5209 Morgan Ridge Dr, Milton, FL 32570 Property Records

Santa Rosa County property record for 5209 Morgan Ridge Dr, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,828 sqft · built 2012
Lot Size	0.66 acres (28,793 sqft)
Owner	Individual Name on Record
Last Sale	$194,191 (Jan 2013)
Tax Bill	$1,533 (2024)
Deeds & Mortgages	Dec 2022 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-2N-29-2569-00A00-0020`

Property Details

APN / Parcel Number

Primary APN	`13-2N-29-2569-00A00-0020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,828 sqft Heated Area
Gross Area	2,644 sqft
1st Floor Area	2,268 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	28,793 sqft (0.66 acres)
Lot Dimensions	2,620 ft deep x 1,100 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	296 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	132N29256900A000020
Street Address	5209 MORGAN RIDGE DR
City	MILTON
State	FL
Zip	32570-8573
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	MORGAN RIDGE LOT 2 BLK A AS DES IN OR 3205 PG 348
Legal Range	29W
Legal Township	02N
Legal Section	13
Legal Subdivision	MORGAN RIDGE/PHASE 2
Legal Block	A
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	SKYLINE
Census Block Group	1
Census Block	1030
Census Tract	10506

Owner

Source: Santa Rosa County records, as of October 27, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5209 MORGAN RIDGE DR, MILTON, FL 32570-8573
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Sep 24, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Aug 21, 2019	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2013 · Amount on Record
Deed Sale	Jan 2, 2013 · Amount on Record
Prior Sale	Aug 3, 2012 · Amount on Record
Deed Document Number	201300237
Deed Book / Page	3205 / 0348
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5209 MORGAN RIDGE DR, MILTON, FL 32570-8573
Transaction Type	Mortgage
Record Updated	Dec 23, 2022
Title Company	SURETY LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5209 MORGAN RIDGE DR, MILTON, FL 32570-8573

Mortgage

Document Number	0043481577
Date	Dec 1, 2022
Book Page	4348/1577
Instrument	202266115

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Dec 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5209 MORGAN RIDGE DR, MILTON, FL 32570-8573
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5209 MORGAN RIDGE DR, MILTON, FL 32570-8573

Mortgage

Document Number	0040061336
Date	Sep 24, 2020
Book Page	4006/1336
Instrument	202049102

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5209 MORGAN RIDGE DR, MILTON, FL 32570-8573
Document Number	0038640688
Instrument Date	Aug 21, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5209 MORGAN RIDGE DR MILTON FL 325708573, MILTON, FL 32570-8573

Mortgage

Document Number	0038640688
Date	Aug 28, 2019
Book Page	003864/000688
Instrument	38161

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2049

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$1,533.00 (+2.13%) Homeowner's exemption	$163,293 (+3%)	$231,538 (+0.76%) Land $31,000 Building $200,538
2023	$1,501.00 (+2.67%) Homeowner's exemption	$158,537 (+3%)	$229,785 (+0.75%) Land $31,000 Building $198,785
2022	$1,462.00 Homeowner's exemption	$153,919	$228,080 Land $31,000 Building $197,080

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 30 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	2 (2014–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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 63% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	POINT BAKER WATER SYSTEM, INC. private · serves 11,318 people · EPA ID FL1570540
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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