5351 Cathy St, Milton, FL 32583 Property Records

Santa Rosa County property record for 5351 Cathy St, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 828 sqft · built 1960
Lot Size	6.4 acres (278,784 sqft)
Owner	2 Individual Names on File
Last Sale	$85,500 (Dec 2020)
Tax Bill	$1,650 (2024)
Deeds & Mortgages	Jul 2022 Mortgage Dec 2020 Sale
Flood Zone	Zone X (moderate risk)
APN	`02-1N-28-0000-09900-0000`

Property Details

APN / Parcel Number

Primary APN	`02-1N-28-0000-09900-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	828 sqft Heated Area
Gross Area	1,275 sqft
1st Floor Area	828 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	278,784 sqft (6.4 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	150 sqft
Shed	1 Shed
Shed Area	4 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Account Number	021N280000099000000
Street Address	5351 CATHY ST
City	MILTON
State	FL
Zip	32583-5393
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	DESCRIPTION UPDATE FOR 2021 BEG AT A PT 233 FT N OF SW CORNER OF N 1/2 OF GOVT LOT 2 OF SECTION 2 TOWNSHIP 1 NORTH RANGE 28
Legal Range	28W
Legal Township	01N
Legal Section	02
Legal Subdivision	WEST
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	EAST MILTON
Census Block Group	1
Census Block	1022
Census Tract	10809

Owner

5351 Cathy St is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	5351 CATHY ST, MILTON, FL 32583-5393
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jul 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORTON COMMUNITY BANK
Dec 30, 2020	Warranty Deed, Transfer WEST FLORIDA TITLE, WEST FLORIDA TITLE CO/MILTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2020 · Amount on File
Deed Sale	Dec 30, 2020 · Amount on File
Deed Document Number	202071045
Deed Book / Page	4050 / 975
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5351 CATHY ST, MILTON, FL 32583-5393
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043060103
Date	Jul 14, 2022
Book Page	4306/103
Instrument	202241732

Lender

Name	MORTON COMMUNITY BANK
Type	Bank
Address	MORTON, IL 61550

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	6.62%
Index	1-Year CMT
Max Rate	9.62%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 30, 2020
Property Address	5351 CATHY ST, MILTON, FL 32583-5393
Document Number	0040500975
Book / Page	004050 / 000975
Instrument Date	Dec 29, 2020
Instrument	71045
Transaction Type	Transfer
Record Updated	Feb 12, 2021
Title Company	WEST FLORIDA TITLE, WEST FLORIDA TITLE CO/MILTON

Transaction

Amount	Amount on Record
Tax	$599.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5351 CATHY ST MILTON FL 325835393, MILTON, FL 32583-5393

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	$1,650.00 (+15.95%) Homeowner's exemption	$163,868 (+45.82%) Land $128,000 Building $35,868	$163,868 (+45.82%) Land $128,000 Building $35,868
2023	$1,423.00 (+2.89%)	$112,375 (-0.14%) Land $76,800 Building $35,575	$112,375 (-0.14%) Land $76,800 Building $35,575
2022	$1,383.00	$112,528	$112,528 Land $76,800 Building $35,728

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

Flood

FEMA maps place 5351 Cathy St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 44 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	78 (1979–2021)
Claims Outside the SFHA	16 of 78
Most Recent Claim	Jun 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 15 claims Hurricane Frances, Sep 2004 · 24 claims Hurricane Georges, Oct 1998 · 10 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 5351 Cathy St is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · lower than 68% 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	EAST MILTON WATER SYSTEM public/private · serves 17,292 people · EPA ID FL1570232
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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