5228 Morgan Ridge Dr, Milton, FL 32570 Property Records

Santa Rosa County property record for 5228 Morgan Ridge Dr, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,982 sqft · built 1995
Lot Size	0.667 acres (29,055 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Sep 2025)
Tax Bill	$1,372 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-2N-29-2569-00B00-0080`

Property Details

APN / Parcel Number

Primary APN	`13-2N-29-2569-00B00-0080`
Alternative APN	`N29213256900B000080`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,982 sqft Living Area
Gross Area	3,206 sqft
1st Floor Area	1,982 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	29,055 sqft (0.667 acres)
Lot Dimensions	262 ft deep x 111 ft wide
Garage Type	Attached
Garage Area	478 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	442 sqft
Patio Area	304 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	5228 MORGAN RIDGE DR
City	MILTON
State	FL
Zip	32570-8572
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	MORGAN RIDGE LOT 8 BLK B AS DES IN OR 4657 PG 410
Legal Range	29W
Legal Township	2N
Legal Section	13
Legal Subdivision	MORGAN RIDGE/PHASE 2
Legal Block	B
Legal Lot Number	8
Jurisdiction	SANTA ROSA FL
Township / Civil Division	SKYLINE
Census Block Group	1
Census Block	1029
Census Tract	10506

Owner

Source: Santa Rosa County records, as of April 28, 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 Record
Mailing Address	5228 MORGAN RIDGE DR, MILTON, FL 32570-8572
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 11, 2025	Warranty Deed, Transfer · Conventional Mortgage CASTLE & COOKE MORTGAGE LLC
Jul 18, 2018	Trustee's Deed, Foreclosure
Dec 20, 2018	Grant Deed, Transfer AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2025 · Amount on Record
Deed Sale	Sep 11, 2025 · Amount on Record
Prior Sale	Dec 20, 2018 · Amount on Record
Deed Document Number	202542311
Deed Book / Page	4657 / 410
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5228 MORGAN RIDGE DR, MILTON, FL 32570-8572
Transaction Type	Mortgage
Record Updated	Oct 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5228 MORGAN RIDGE DR, MILTON, FL 32570-8572
Investor	Possibly a Property Investor

Mortgage

Document Number	0043630479
Date	Jan 31, 2023
Book Page	4363/479
Instrument	202303969

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jan 18, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 11, 2025
Property Address	5228 MORGAN RIDGE DR, MILTON, FL 32570-8572
Document Number	0046570410
Book / Page	4657 / 410
Map Reference	MB F PG 83
Instrument Date	Sep 10, 2025
Instrument	202542311
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19506 96TH ST, LIVE OAK, FL 32060-5995

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5228 MORGAN RIDGE DR, MILTON, FL 32570-8572

Mortgage

Document Number	0004657412
Date	Sep 11, 2025
Instrument	4657/412

Lender

Name	CASTLE & COOKE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 18, 2018
Property Address	5228 MORGAN RIDGE DR, MILTON, FL 32570-8572
Document Number	0037481618
Book / Page	003748 / 001618
Instrument Date	Jun 28, 2018
Instrument	30483
Transaction Type	Foreclosure
Record Updated	Sep 5, 2018

Transaction

Amount	Amount Recorded
Tax	$996.10
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	5228 MORGAN RIDGE DR MILTON FL 325708572, MILTON, FL 32570-8572

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 20, 2018
Property Address	5228 MORGAN RIDGE DR, MILTON, FL 32570-8572
Document Number	0037920025
Book / Page	003792 / 000025
Instrument Date	May 12, 2018
Instrument	53938
Transaction Type	Transfer
Record Updated	Feb 1, 2019
Title Company	AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS

Transaction

Amount	Amount Recorded
Tax	$1,190.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	5228 MORGAN RIDGE DR MILTON FL 325708572, MILTON, FL 32570-8572

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	$1,372.00 (+9.76%)	$137,461 (+2.9%)	$267,196 (+6.56%) Land $43,000 Building $224,196
2024	$1,250.00 (+2.29%) Homeowner's exemption	$133,587 (+3%)	$250,749 (+1.03%) Land $31,000 Building $219,749
2023	$1,222.00 (+2.69%) Homeowner's exemption	$129,696 (+3%)	$248,192 (-0.01%) Land $31,000 Building $217,192
2022	$1,190.00 Homeowner's exemption	$125,918	$248,225 Land $31,000 Building $217,225

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 62% of the US · lower than 62% 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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