5309 Morgan Ridge Dr, Milton, FL 32570 Property Records

Santa Rosa County property record for 5309 Morgan Ridge Dr, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,883 sqft · built 1999
Lot Size	0.712 acres (31,015 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Jul 2026)
Tax Bill	$1,609 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`13-2N-29-2569-00D00-0160`

Property Details

APN / Parcel Number

Primary APN	`13-2N-29-2569-00D00-0160`
Alternative APN	`N29213256900D000160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,883 sqft Living Area
Gross Area	2,744 sqft
1st Floor Area	1,883 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	31,015 sqft (0.712 acres)
Lot Dimensions	263 ft deep x 118 ft wide
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	285 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	2 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5309 MORGAN RIDGE DR
City	MILTON
State	FL
Zip	32570-8591
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	MORGAN RIDGE PHASE TWO LOT 16 BLK D AS DES IN OR 3679 PG 506
Legal Range	29W
Legal Township	2N
Legal Section	13
Legal Subdivision	MORGAN RIDGE/PHASE 2
Legal Block	D
Legal Lot Number	16
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 August 5, 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	5309 MORGAN RIDGE DR, MILTON, FL 32570-8591
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Nov 16, 2017	Warranty Deed, Transfer EMERALD COAST TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2026 · Amount on Record
Deed Sale	Jul 6, 2026 · Amount on Record
Prior Sale	Nov 16, 2017 · Amount on Record
Deed Document Number	202633772
Deed Book / Page	4763 / 1589
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 6, 2026
Property Address	5309 MORGAN RIDGE DR, MILTON, FL 32570-8591
Document Number	0000033772
Book / Page	4763 / 1589
Instrument Date	Jun 29, 2026
Instrument	202633772
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	PENSACOLA TITLE CO LLC, PENSACOLA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219,170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5309 MORGAN RIDGE DR, MILTON, FL 32570-8591

Mortgage

Document Number	0000033773,
Date	Jul 6, 2026
Instrument	202633773

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

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

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 16, 2017
Property Address	5309 MORGAN RIDGE DR, MILTON, FL 32570-8591
Document Number	0036790506
Book / Page	003679 / 000506
Instrument Date	Nov 15, 2017
Instrument	47746
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	EMERALD COAST TITLE INC

Transaction

Amount	Amount Recorded
Tax	$1,165.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2528 HILTON DR NAVARRE FL 325667678, NAVARRE, FL 32566-7678

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	$1,609.00 (+7.84%) Homeowner's exemption Widower's exemption	$169,462 (+2.9%)	$238,612 (+7.14%) Land $43,000 Building $195,612
2024	$1,492.00 (+2.26%) Homeowner's exemption Widower's exemption	$164,686 (+3%)	$222,707 (+1.02%) Land $31,000 Building $191,707
2023	$1,459.00 (-0.88%) Homeowner's exemption Widower's exemption	$159,889 (+3%)	$220,451 (+0.97%) Land $31,000 Building $189,451
2022	$1,472.00 Homeowner's exemption Widower's exemption	$155,232	$218,323 Land $31,000 Building $187,323

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 66% of the US · above 44% 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

May also be available: Mediacom Xtream.

Cell Coverage

5G (outdoors only) and 4G LTE

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