5447 Whispering Pines, Milton, FL 32570 Property Records

Santa Rosa County property record for 5447 Whispering Pines, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,818 sqft · built 1980
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$100 (May 2016)
Tax Bill	$3,196 (2024)
Deeds & Mortgages	Dec 2022 Transfer Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-2N-28-0000-00414-0000`

Property Details

APN / Parcel Number

Primary APN	`30-2N-28-0000-00414-0000`
Alternative APN	`N282300000004140000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,818 sqft Living Area
Gross Area	4,171 sqft
1st Floor Area	2,818 sqft
Utility Area	231 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	435,600 sqft (10 acres)
Garage Type	Carport
Garage Area	462 sqft
Carport	Carport
Carport Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	660 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	5447 WHISPERING PNES
City	MILTON
State	FL
Zip	32570-7735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	DESCRIPTION UPDATED FOR 2023 N 880 FT OF W 495 FT OF E 825 FT OF W 1485 FT OF N2 OF SW4 OF 30-2N-28W & WITH 25 FT INGRESS/EGRESS ESMNT ALL AS DES IN OR 3636 PG 817 & IN OR 4352 PG 2079 LESS 1/2 MINERAL RTS
Legal Range	28W
Legal Township	2N
Legal Section	30
Jurisdiction	SANTA ROSA FL
Township / Civil Division	SKYLINE
Census Block Group	3
Census Block	3029
Census Tract	10504

Owner

5447 Whispering Pines is owned and occupied by an individual who acquired it in December 2022.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	5447 WHISPERING PNES, MILTON, FL 32570-7735
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
Dec 19, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jun 26, 2017	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2016 · Amount on File
Deed Sale	May 1, 2016 · Amount on File
Prior Sale	Feb 17, 2012 · Amount on File
Deed Book / Page	3529 / 1692
Last Transfer Date	Dec 5, 2022
Transfer Doc	0043522079
Record Updated	Jun 8, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 19, 2022
Property Address	5447 WHISPERING PNES, MILTON, FL 32570-7735
Document Number	0043522079
Book / Page	4352 / 2079
Instrument Date	Dec 5, 2022
Instrument	202268766
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5447 WHISPERING PNES, MILTON, FL 32570-7735

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5447 WHISPERING PNES, MILTON, FL 32570-7735

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5447 WHISPERING PNES, MILTON, FL 32570-7735
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5447 WHISPERING PNES, MILTON, FL 32570-7735

Mortgage

Document Number	0042180845
Date	Dec 8, 2021
Book Page	4218/845
Instrument	202181577

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

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

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 26, 2017
Property Address	5447 WHISPERING PNES, MILTON, FL 32570-7735
Document Number	0036360817
Book / Page	003636 / 000817
Instrument Date	Jun 21, 2017
Instrument	25743
Transaction Type	Transfer
Record Updated	Jul 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3929 HIGH BRIDGE DR PACE FL 325716309, PACE, FL 32571-6309

Mortgage

Document Number	36360821
Date	Jun 26, 2017
Book Page	003636/000821
Instrument	25744

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2047

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		$313,487 (+2.9%)	$490,126 (+3.14%) Land $210,000 Building $280,126
2024	$3,196.00 (+1.69%) Homeowner's exemption	$304,652 (+3%)	$475,224 (+14.29%) Land $210,000 Building $265,224
2023	$3,143.00 (+2.24%) Homeowner's exemption	$295,779 (+3%)	$415,806 (+9.32%) Land $154,000 Building $261,806
2022	$3,074.00 Homeowner's exemption	$287,164	$380,358 Land $119,000 Building $261,358

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

Flood

FEMA maps place 5447 Whispering Pines in Zone X, an area of minimal flood risk.

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 File median of 37 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	37 in force

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 5447 Whispering Pines is moderate, ranking above 60% 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 60% of the US · lower than 65% 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	MILTON, CITY OF WATER SYSTEM serves 21,241 people · EPA ID FL1570146
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	5 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 154 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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