4925 Spears St, Milton, FL 32571 Property Records

Santa Rosa County property record for 4925 Spears St, Milton, FL 32571 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,472 sqft · built 2008
Lot Size	0.253 acres (11,021 sqft)
Owner	2 Individual Names on File
Last Sale	$412,500 (Apr 2026)
Tax Bill	$2,483 (2024)
Deeds & Mortgages	Jan 2023 Second Mortgage May 2021 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`11-1N-29-5243-00C00-0010`

Property Details

APN / Parcel Number

Primary APN	`11-1N-29-5243-00C00-0010`
Alternative APN	`N29111524300C000010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,472 sqft Living Area
Gross Area	3,360 sqft
1st Floor Area	2,472 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	11,021 sqft (0.253 acres)
Lot Dimensions	130 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	282 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	4925 SPEARS ST
City	MILTON
State	FL
Zip	32571-1476
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPENCER RIDGE WEST LOT 1 BLK C AS DES IN OR 2931 PG 1655 & IN OR 3640 PGS 1238 & 1239 & IN OR 3645 PG 371 (CERT ODH)
Legal Range	29W
Legal Township	1N
Legal Section	11
Legal Subdivision	SPENCER RIDGE WEST
Legal Block	C
Legal Lot Number	1
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	3
Census Block	3000
Census Tract	10704

Owner

Source: Santa Rosa County records · APN 11-1N-29-5243-00C00-0010

Assessment roll updated December 8, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	4925 SPEARS ST, MILTON, FL 32571-1476
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
May 04, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 06, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 16, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Feb 05, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Apr 13, 2018	Quit Claim Deed, Transfer Quitclaim
Jul 07, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 07, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 06, 2026 · Amount on Record
Deed Sale	Apr 06, 2026 · Amount on Record
Prior Sale	Sep 01, 2016 · Amount on Record
Deed Document Number	202616920
Deed Book / Page	4728 / 1424
Prior Transfer Date	May 31, 2012
Prior Transfer Doc	0000013225
Record Updated	Jun 08, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4925 SPEARS ST, PACE, FL 32571-1476
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4925 SPEARS ST, MILTON, FL 32571-1476

Mortgage

Document Number	0043590988
Date	Jan 13, 2023
Book Page	4359/988
Instrument	202301725

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 01, 2043

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4925 SPEARS ST, PACE, FL 32571-1476
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041130202
Date	May 04, 2021
Book Page	4113/202
Instrument	202129498

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 01, 2041

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 06, 2026
Property Address	4925 SPEARS ST, MILTON, FL 32571-1476
Document Number	0000016920
Book / Page	4728 / 1424
Instrument Date	Apr 06, 2026
Instrument	202616920
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$291,637.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4925 SPEARS ST, MILTON, FL 32571-1476

Mortgage

Document Number	0000016921,
Date	Apr 06, 2026
Instrument	202616921

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4925 SPEARS ST, PACE, FL 32571-1476
Transaction Type	Mortgage
Record Updated	Aug 02, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037021225
Date	Feb 16, 2018
Book Page	3702/1225
Instrument	201806120

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4925 SPEARS ST, PACE, FL 32571-1476
Document Number	0039170208
Instrument Date	Feb 05, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4925 SPEARS ST PACE FL 325711476, PACE, FL 32571-1476

Mortgage

Document Number	0039170208
Date	Feb 10, 2020
Book Page	003917/000208
Instrument	6247

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 09, 2050

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 13, 2018
Property Address	4925 SPEARS ST, PACE, FL 32571-1476
Document Number	0037180514
Book / Page	003718 / 000514
Instrument Date	Apr 13, 2018
Instrument	14478
Transaction Type	Transfer
Record Updated	Jun 12, 2018

Transaction

Amount	Amount Recorded
Tax	$84.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4925 SPEARS ST PACE FL 325711476, PACE, FL 32571-1476

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 07, 2017
Property Address	4925 SPEARS ST, PACE, FL 32571-1476
Document Number	0036401238
Book / Page	003640 / 001238
Instrument Date	Sep 06, 2016
Instrument	27655
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4925 SPEARS ST PACE FL 325711476, PACE, FL 32571-1476

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 07, 2017
Property Address	4925 SPEARS ST, PACE, FL 32571-1476
Document Number	0036401239
Book / Page	003640 / 001239
Instrument Date	Jul 22, 2016
Instrument	27656
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4925 SPEARS ST PACE FL 325711476, PACE, FL 32571-1476

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$230,551 (+2.9%)	$305,756 (+5.5%) Land $45,000 Building $260,756
2024	$2,483.00 (+6.61%) Homeowner's exemption	$224,053 (+3%)	$289,809 (+2.1%) Land $45,000 Building $244,809
2023	$2,329.00 (+3.65%) Homeowner's exemption	$217,527 (+3.78%)	$283,848 (+3.72%) Land $41,000 Building $242,848
2022	$2,247.00 Homeowner's exemption	$209,600	$273,671 Land $33,000 Building $240,671

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130107043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 37 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014, rainfall accumulation, Severe Storms, Tornadoes, Straight-line Winds, And Flooding

Wildfire

Wildfire Risk	Moderate above 50% of the US · above 20% of Florida
Wildfire Likelihood	About 1 in 847 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 112 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	1,000 / 1,000
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20

May also be available at this address: AT&T, Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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