1. Home
  2. Florida
  3. Santa Rosa County
  4. Milton
  5. Lucy Ln

5446 Lucy Ln, Milton, FL 32570 Property Records

Santa Rosa County property record for 5446 Lucy Ln, Milton, FL 32570

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,334 sqft · built 2000
Lot Size0.396 acres (17,250 sqft)
OwnerIndividual Name on Record
Last Sale$225,000 (Apr 2025)
Tax Bill$807 (2024)
Deeds & MortgagesApr 2025 Sale & Mortgage
Apr 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN31-2N-28-0202-00A00-0040

Property Details

APN / Parcel Number

Primary APN31-2N-28-0202-00A00-0040

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,334 sqft Heated Area
Gross Area2,461 sqft
1st Floor Area1,754 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2000
Exterior MaterialBrick
Construction TypeWood
Foundation TypeMasonry
Roof MaterialAsphalt
Lot Area17,250 sqft (0.396 acres)
Lot Dimensions1,250 ft deep x 1,380 ft wide
Garage TypeMixed
Garage Area420 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area323 sqft
Patio Area168 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number312N28020200A000040
Street Address5446 LUCY LN
CityMILTON
StateFL
Zip32570-8322
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionBARLAR HEIGHTS LOT 4 BLK A AS DES IN OR 2613 PG 629
Legal Range28W
Legal Township02N
Legal Section31
Legal SubdivisionBARLAR HEIGHTS
Legal BlockA
Legal Lot Number4
JurisdictionSANTA ROSA FL
Township / Civil DivisionSKYLINE
Census Block Group3
Census Block3024
Census Tract10503

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address5446 LUCY LN, MILTON, FL 32570-8322
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 14, 2025Warranty Deed, Transfer · FHA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 26, 2022Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 14, 2025 · Amount on Record
Deed SaleApr 14, 2025 · Amount on Record
Prior SaleJun 13, 2006 · Amount on Record
Deed Document Number202516082
Deed Book / Page4604 / 1608
Record UpdatedJun 8, 2026

April 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateApr 14, 2025
Property Address5446 LUCY LN, MILTON, FL 32570-8322
Document Number0046041608
Book / Page4604 / 1608
Instrument DateMar 26, 2025
Instrument202516082
Transaction TypeTransfer
Record UpdatedMay 14, 2025
Title CompanySUNBELT TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,575.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5446 LUCY LN, MILTON, FL 32570-8322

Transferred To (Grantee/Buyer)

NameVerified Name
Address5446 LUCY LN, MILTON, FL 32570-8322
InvestorPossibly a Property Investor

Mortgage

Document Number0046041610
DateApr 14, 2025
Book Page4604/1610
Instrument202516083
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
AddressCARROLLTON, TX 75007
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2055

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address5446 LUCY LN, MILTON, FL 32570-8322
Transaction TypeMortgage
Record UpdatedMay 24, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address5446 LUCY LN, MILTON, FL 32570-8322

Mortgage

Document Number0042751715
DateApr 26, 2022
Book Page4275/1715
Instrument202224964
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2052

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024$807.00 (+61.72%) Homeowner's exemption Widower's exemption$104,448 (+3%)$160,165 (+1.08%) Land $15,000 Building $145,165
2023$499.00 (-3.29%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption$101,406 (+3%)$158,452 (+2.78%) Land $15,000 Building $143,452
2022$516.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption$98,452$154,159 Land $15,000 Building $139,159

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 14 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies14 in force
Nearby Flood Claims13 (1985–2020)
Claims Outside the SFHA5 of 13
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 5 claims
  • Severe Storms, Flooding, Tornadoes, And Straight-line Winds, Mar 2009 · 2 claims
  • Hurricane Opal, Oct 1995 · 3 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

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

Wildfire RiskModerate
above 47% of the US · lower than 82% of Florida
Wildfire Likelihood0.1% 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 181 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

Nearby Properties on Lucy Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures