5481 Lem St, Milton, FL 32570 Property Records

Santa Rosa County property record for 5481 Lem St, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,303 sqft · built 2000
Lot Size	4.81 acres (209,524 sqft)
Owner	2 Individual Names on File
Last Sale	$633,000 (Jan 2025)
Tax Bill	$4,628 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-2N-29-0000-01816-0000`

Property Details

APN / Parcel Number

Primary APN	`36-2N-29-0000-01816-0000`
Alternative APN	`N292360000018160000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,303 sqft Living Area
Gross Area	3,391 sqft
1st Floor Area	2,303 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	209,524 sqft (4.81 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	604 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5481 LEM ST
City	MILTON
State	FL
Zip	32570-8102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	*DESCRIPTION UPDATE FOR 2025 COM AT SE COR OF SW4 OF SE4 36-2N-29W TH N024819 E 1012.24 FT TO POB TH CONT N024819 E 421.20 FT TH N 864347 W 481.65 FT TH S024819 W 436.42 FT TH S864521 E 451 .65 FT TH N024819 E 15 FT TH S86*4521 E 30 FT TO POB
Legal Range	29W
Legal Township	2N
Legal Section	36
Legal Block	706
Jurisdiction	SANTA ROSA FL
Township / Civil Division	SKYLINE
Census Block Group	3
Census Block	3003
Census Tract	10503

Owner

Source: Santa Rosa County records · APN 36-2N-29-0000-01816-0000

Assessment roll updated December 8, 2025 · Last verified May 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 File
Mailing Address	5481 LEM ST, MILTON, FL 32570-8102
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 24, 2025 · Amount on Record
Deed Sale	Jan 24, 2025 · Amount on Record
Prior Sale	Jul 14, 2023 · Amount on Record
Deed Document Number	20252707
Deed Book / Page	4580 / 1025
Record Updated	Jun 08, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 14, 2023
Property Address	5481 LEM ST, MILTON, FL 32570-8102
Document Number	0044150455
Book / Page	4415 / 455
Instrument Date	Jul 13, 2023
Instrument	202331665
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	WAYPOINT TITLE, WAYPOINT TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,053.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1410 E FISHER ST, PENSACOLA, FL 32503-4041

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5481 LEM ST, MILTON, FL 32570-8102

Mortgage

Document Number	0004415457
Date	Jul 14, 2023
Instrument	4415/457

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,628.00 (+4.4%)	$387,920 (+3.37%) Land $98,124 Building $289,796	$387,920 (+3.37%) Land $98,124 Building $289,796
2024	$4,433.00 (+113.02%)	$375,287 (+83.99%) Land $89,947 Building $285,340	$375,287 (+15.62%) Land $89,947 Building $285,340
2023	$2,081.00 (+2.36%) Homeowner's exemption	$203,972 (+3%)	$324,581 (+2.68%) Land $89,947 Building $234,634
2022	$2,033.00 Homeowner's exemption	$198,031	$316,110 Land $81,770 Building $234,340

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	13 (1985–2020)
Claims Outside the SFHA	5 of 13
Most Recent Claim	Sep 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

Wildfire

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 25 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MILTON, CITY OF WATER SYSTEM serves 21,241 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.