4897 Red Oak Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 4897 Red Oak Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,760 sqft · built 2019
Lot Size	0.502 acres (21,867 sqft)
Owner	Individual Name on Record
Last Sale	$546,000 (Jun 2022)
Tax Bill	$4,344 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-1N-27-3253-00G00-0150`

Property Details

APN / Parcel Number

Primary APN	`07-1N-27-3253-00G00-0150`
Alternative APN	`N27107325300G000150`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,760 sqft Living Area
Gross Area	3,874 sqft
1st Floor Area	2,760 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	21,867 sqft (0.502 acres)
Lot Dimensions	296 ft deep x 74 ft wide
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	412 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4897 RED OAK DR
City	MILTON
State	FL
Zip	32583-2767
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	PRESERVE (THE) LOT 15 BLK G AS DES IN OR 4301 PG 106
Legal Range	27W
Legal Township	1N
Legal Section	07
Legal Subdivision	PRESERVE (THE)
Legal Block	G
Legal Lot Number	15
Jurisdiction	SANTA ROSA FL
Township / Civil Division	EAST MILTON
Census Block Group	2
Census Block	2019
Census Tract	10809

Owner

Source: Santa Rosa County records, as of April 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4897 RED OAK DR, MILTON, FL 32583-2767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jun 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Jan 2, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BEACH COMMUNITY MORTGAGE SERVICES I
Jun 3, 2019	Warranty Deed, Construction Loan · Construction Mortgage SERVISFIRST BANK
Aug 1, 2018	Trustee's Deed, Transfer · Line of Credit BEACH CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2022 · Amount on Record
Deed Sale	Jun 30, 2022 · Amount on Record
Prior Sale	Jan 2, 2020 · Amount on Record
Deed Document Number	202238952
Deed Book / Page	4301 / 106
Prior Transfer Date	May 30, 2019
Prior Transfer Doc	0038350350
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4897 RED OAK DR, MILTON, FL 32583-2767
Transaction Type	Mortgage
Record Updated	Mar 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4897 RED OAK DR, MILTON, FL 32583-2767

Mortgage

Document Number	0043671564
Date	Feb 17, 2023
Book Page	4367/1564
Instrument	202306667

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4897 RED OAK DR, MILTON, FL 32583-2767
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4897 RED OAK DR, MILTON, FL 32583-2767

Mortgage

Document Number	0041981415
Date	Oct 26, 2021
Book Page	4198/1415
Instrument	202171531

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4897 RED OAK DR, MILTON, FL 32583-2767
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	CHAMPION TITLE & STLMTS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2125, CAMPTON, NH 03223-2125

Mortgage

Document Number	0043010108
Date	Jun 30, 2022
Book Page	4301/108
Instrument	202238953

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

January 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 2, 2020
Property Address	4897 RED OAK DR, MILTON, FL 32583-2767
Document Number	0039050847
Book / Page	3905 / 0847
Map Reference	MB 11 PG 93-97
Instrument Date	Dec 30, 2019
Instrument	202000012
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 2, 2022
Title Company	FIRST NATL LAND TTL CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,461.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	819 PINEDALE RD, 819, FORT WALTON BEACH, FL 32547-2427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4897, MILTON, FL 32583

Mortgage

Document Number	0039050849
Date	Jan 2, 2020
Instrument	3905/0849

Lender

Name	BEACH COMMUNITY MORTGAGE SERVICES I
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

June 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 3, 2019
Property Address	4897 RED OAK DR, MILTON, FL 32583-2767
Document Number	0038350350
Book / Page	3835 / 0350
Map Reference	MB 11 PG 93-97
Instrument Date	May 30, 2019
Instrument	201922958
Transaction Type	Construction Loan
Record Updated	Aug 2, 2022
Title Company	FIRST NATL LAND TTL CO INC

Transaction

Amount	Amount Recorded
Tax	$248.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	819 PINEDALE RD, 819, FORT WALTON BEACH, FL 32547-2427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	819 PINEDALE RD, FORT WALTON BEACH, FL 32547-2427

Mortgage

Document Number	0003835351
Date	Jun 3, 2019
Instrument	3835/351

Lender

Name	SERVISFIRST BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 1, 2018
Property Address	4897 RED OAK DR, MILTON, FL 32583-2767
Document Number	0037530996
Book / Page	003753 / 000996
Instrument Date	Jul 5, 2018
Instrument	32898
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	MITCHELL LAND AND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$14,004.90
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	819 PINEDALE RD FORT WALTON BEACH FL 325472427, FORT WALTON BEACH, FL 32547-2427
Investor	Possibly a Property Investor

Mortgage

Document Number	37530998
Date	Aug 1, 2018
Book Page	003753/000998
Instrument	32899

Lender

Name	BEACH CMNTY BK
Type	Bank
Address	33 W GARDEN ST, PENSACOLA, FL 32502-5615

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,344.00 (+0.77%) Homeowner's exemption	$396,214 (-0.43%) Land $44,000 Building $352,214	$396,214 (-0.43%) Land $44,000 Building $352,214
2024	$4,311.00 (-2.71%) Homeowner's exemption	$397,910 (+9.23%) Land $44,000 Building $353,910	$397,910 (+9.23%) Land $44,000 Building $353,910
2023	$4,431.00 (+31.95%)	$364,277 (+16.94%) Land $44,000 Building $320,277	$364,277 (+2.23%) Land $44,000 Building $320,277
2022	$3,358.00 Homeowner's exemption	$311,502	$356,344 Land $44,000 Building $312,344

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 98 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	98 in force
Nearby Flood Claims	236 (1978–2020)
Claims Outside the SFHA	11 of 236
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 42 claims Hurricane Frances, Sep 2004 · 73 claims Hurricane Opal, Oct 1995 · 20 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Mediacom Xtream.

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