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5220 Richardson St, Milton, FL 32570 Property Records

Santa Rosa County property record for 5220 Richardson St, Milton, FL 32570

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,805 sqft · built 2011
Lot Size0.276 acres (12,023 sqft)
OwnerTrust Name on File
Tax Bill$991 (2024)
Deeds & MortgagesNov 2018 Reverse Mortgage
Flood ZoneZone X (minimal risk)
APN05-1N-28-0000-00811-0000

Property Details

APN / Parcel Number

Primary APN05-1N-28-0000-00811-0000
Alternative APN
  • N281050000008110000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,805 sqft Living Area
Gross Area2,541 sqft
1st Floor Area1,805 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2011
Effective Year BuiltEffective 2011
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area12,023 sqft (0.276 acres)
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area274 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address5220 RICHARDSON ST
CityMILTON
StateFL
Zip32570-5046
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionCOM AT SE CORNER OF NE4 OF SECTION 5 TOWNSHIP 1 NORTH RANGE 28 WEST THN N88*3145W ON S LN 807.50 FT TO E R/W OF RICHARDSON ST (R=1587.48 FT CB =N8*3819E)GO ON CURV 375.89 FT TO POB & CONT CURV 14.62 FT TO REVRS CURV (R=1648.15 FT) & CONT (CB=N14*2228
Legal Range28W
Legal Township1N
Legal Section05
Legal SubdivisionTARYNS ESTATES
Legal Lot Number1,19
JurisdictionSANTA ROSA FL
Township / Civil DivisionMILTON
Census Block Group2
Census Block2017
Census Tract10503

Owner

5220 Richardson St is owner-occupied and held in a trust since October 2018.

Source: Santa Rosa County records, as of December 8, 2025

Owner of RecordTrust Name on File
Mailing Address5220 RICHARDSON ST, MILTON, FL 32570-5046
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 6, 2008
Deed SaleAug 6, 2008
Prior SaleJul 13, 2005 · Amount on File
Deed Document Number200831140
Deed Book / Page2847 / 321
Last Transfer DateOct 29, 2018
Transfer Doc0037801472
Record UpdatedJun 8, 2026

November 2018: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA ROSA FL
Recording DateNov 6, 2018
Property Address5220 RICHARDSON ST, MILTON, FL 32570-5046
Document Number0037801472
Book / Page3780 / 1472
Instrument DateOct 29, 2018
Instrument201847816
Transaction TypeTransfer
Record UpdatedDec 14, 2021
Title CompanyAMROCK

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address5220 RICHARDSON ST, 5220, MILTON, FL 32570-5046

Transferred To (Grantee/Buyer)

NameVerified Name
Address5220 RICHARDSON ST, MILTON, FL 32570-5046

Mortgage

Document Number0201847817
DateNov 6, 2018
Instrument201847817
Lender
NameONE REVERSE MORTGAGE LLC
TypeReverse Mortgage Lender
Agreement
TypeReverse Mortgage
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Rate6.27%
Type Change DateNov 1, 2019
Min Rate At Change2%
Index1-Year LIBOR
Max Rate5%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$151,107 (+2.9%)$211,831 (+2.53%) Land $21,000 Building $190,831
2024$991.00 (+3.88%) Homeowner's exemption Senior Citizen's exemption Widower's exemption$146,848 (+3%)$206,609 (+0.79%) Land $19,000 Building $187,609
2023$954.00 (-1.75%) Homeowner's exemption Senior Citizen's exemption Widower's exemption$142,571 (+3%)$204,984 (+1.27%) Land $19,000 Building $185,984
2022$971.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption$138,418$202,410 Land $18,000 Building $184,410

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

Flood

FEMA maps place 5220 Richardson St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1990.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 21 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies21 in force
Nearby Flood Claims10 (1990–2020)
Claims Outside the SFHA4 of 10
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 2 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 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

Wildfire risk around 5220 Richardson St is moderate, ranking above 50% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire RiskModerate
above 50% of the US · lower than 79% of Florida
Wildfire Likelihood0.09% annual chance
ExposureDirect
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 SystemMILTON, CITY OF WATER SYSTEM
serves 21,241 people · EPA ID FL1570146
Water SourceGroundwater
Last State InspectionFeb 2025
Lead5 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 265 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

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