5289 Morgan Ridge Dr, Milton, FL 32570 Property Records

Santa Rosa County property record for 5289 Morgan Ridge Dr, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,161 sqft · built 2000
Lot Size	0.689 acres (30,013 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,900 (Jun 2018)
Tax Bill	$1,897 (2024)
Deeds & Mortgages	Feb 2026 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-2N-29-2569-00D00-0210`

Property Details

APN / Parcel Number

Primary APN	`13-2N-29-2569-00D00-0210`
Alternative APN	`N29213256900D000210`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,161 sqft Living Area
Gross Area	2,956 sqft
1st Floor Area	2,161 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	30,013 sqft (0.689 acres)
Lot Dimensions	273 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	354 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	5289 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 PHASE TWO LOT 21 BLK D AS DES IN OR 3738 PG 708
Legal Range	29W
Legal Township	2N
Legal Section	13
Legal Subdivision	MORGAN RIDGE/PHASE 2
Legal Block	D
Legal Lot Number	21
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 May 21, 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	5289 MORGAN RIDGE DR, MILTON, FL 32570-8573
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 12, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 15, 2018	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2018 · Amount on Record
Deed Sale	Jun 15, 2018 · Amount on Record
Prior Sale	Jun 28, 2010 · Amount on Record
Deed Document Number	201825133
Deed Book / Page	3738 / 708
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5289 MORGAN RIDGE DR, MILTON, FL 32570-8573
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5289 MORGAN RIDGE DR, MILTON, FL 32570-8573

Mortgage

Document Number	0047071626
Date	Feb 11, 2026
Book Page	4707/1626
Instrument	202606787

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28232

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Mar 2, 2046

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	5289 MORGAN RIDGE DR, MILTON, FL 32570-8573
Transaction Type	Mortgage
Record Updated	Nov 8, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041870676
Date	Oct 4, 2021
Book Page	4187/676
Instrument	202165903

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5289 MORGAN RIDGE DR, MILTON, FL 32570-8573
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5289 MORGAN RIDGE DR, MILTON, FL 32570-8573

Mortgage

Document Number	0040860440
Date	Mar 12, 2021
Book Page	4086/440
Instrument	202116496

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	Sep 1, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 15, 2018
Property Address	5289 MORGAN RIDGE DR, MILTON, FL 32570-8573
Document Number	0037380708
Book / Page	003738 / 000708
Instrument Date	May 31, 2018
Instrument	25133
Transaction Type	Transfer
Record Updated	Sep 5, 2018
Title Company	SURETY LAND TITLE/FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,399.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5289 MORGAN RIDGE DR MILTON FL 325708573, MILTON, FL 32570-8573

Mortgage

Document Number	37380710
Date	Jun 15, 2018
Book Page	003738/000710
Instrument	25134

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2048

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		$195,994 (+2.9%)	$254,073 (+6.8%) Land $43,000 Building $211,073
2024	$1,897.00 (+1.93%) Homeowner's exemption	$190,470 (+3%)	$237,891 (+1.03%) Land $31,000 Building $206,891
2023	$1,861.00 (+2.42%) Homeowner's exemption	$184,922 (+3%)	$235,468 (+0.11%) Land $31,000 Building $204,468
2022	$1,817.00 Homeowner's exemption	$179,536	$235,221 Land $31,000 Building $204,221

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 61% 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 32 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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