5517 Bay Meadows Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 5517 Bay Meadows Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,218 sqft · built 1989
Lot Size	1.84 acres (80,238 sqft)
Owner	Individual Name on File
Last Sale	$1,160,000 (Mar 2026)
Tax Bill	$6,732 (2024)
Deeds & Mortgages	Oct 2021 Line of Credit Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`10-1S-28-0000-00305-0000`

Property Details

APN / Parcel Number

Primary APN	`10-1S-28-0000-00305-0000`
Alternative APN	`S281100000003050000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,218 sqft Living Area
Gross Area	5,810 sqft
1st Floor Area	1,590 sqft
Upper Floors Area	1,628 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2004
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	80,238 sqft (1.84 acres)
Lot Dimensions	472 ft deep x 170 ft wide
View / Lot	Bay
Porch	Open Porch
Porch Area	2,396 sqft
Deck Area	333 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5517 BAY MEADOWS DR
City	MILTON
State	FL
Zip	32583-9518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	PARCEL H OF UNREC BAY MEADOWS: COM ON C/L OF SARASOTA ST @ W R/W OF AVALON BLVD THN N8952' 12W 2780.05 FT THN S007'48W 140 FT TO BAY MEADOWS DR THN ON R/W CURV (R=60 FT CHB=S33* 34'16W) GO 118.46 FT THN S22* 59'16E 104.96 FT THN S77*39' 17W 444.16
Legal Range	28W
Legal Township	1S
Legal Section	10
Legal Subdivision	BAY MDWS
Legal Lot Number	H
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	1
Census Block	1032
Census Tract	10710

Owner

5517 Bay Meadows Dr is owned and occupied by an individual who bought it in March 2026.

Source: Santa Rosa County records, as of April 9, 2026

Owner of Record	Individual Name on File
Mailing Address	5517 BAY MEADOWS DR, MILTON, FL 32583-9518
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
Oct 29, 2021	Deed of Trust, Mortgage · Line of Credit WHITNEY BANK
Mar 16, 2026	Warranty Deed, Transfer · Conventional Mortgage HARVESTERS FCU
Aug 20, 2021	Warranty Deed, Transfer EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2026 · Amount on File
Deed Sale	Mar 16, 2026 · Amount on File
Prior Sale	Aug 20, 2021 · Amount on File
Deed Document Number	202613045
Deed Book / Page	4720 / 812
Prior Transfer Date	Jul 31, 2014
Prior Transfer Doc	0033610918
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5517 BAY MEADOWS DR, MILTON, FL 32583-9518
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5517 BAY MEADOWS DR, MILTON, FL 32583-9518

Mortgage

Document Number	0042001942
Date	Oct 29, 2021
Book Page	4200/1942
Instrument	202172814

Lender

Name	WHITNEY BANK
Type	Bank
Address	MILTON, FL 32571

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 8, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 16, 2026
Property Address	5517 BAY MEADOWS DR, MILTON, FL 32583-9518
Document Number	0047200812
Book / Page	4720 / 812
Instrument Date	Mar 6, 2026
Instrument	202613045
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	SURETY LAND TITLE/FL LLC, SURETY LAND TTL OF NW FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5020 BARRANCA LORA, PENSACOLA, FL 32514-7910

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5517 BAY MEADOWS DR, MILTON, FL 32583-9518

Mortgage

Document Number	0004720814
Date	Mar 16, 2026
Instrument	4720/814

Lender

Name	HARVESTERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 20, 2021
Property Address	5517 BAY MEADOWS DR, MILTON, FL 32583-9518
Document Number	0041660794
Book / Page	4166 / 794
Instrument Date	Aug 16, 2021
Instrument	202156133
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Transaction

Amount	Amount on Record
Tax	$4,963.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	36 CLEARWATER DR, DURHAM, NC 27707-5365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5517 BAY MEADOWS DR, MILTON, FL 32583-9518

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		$673,255	$855,186 Land $443,700 Building $411,486
2024	$6,732.00 (-13.18%)
2023	$7,754.00 Homeowner's exemption	$611,636	$748,125 Land $372,708 Building $375,417

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

Flood

FEMA maps place 5517 Bay Meadows Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 469 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	469 in force
Nearby Flood Claims	153 (2004–2022)
Claims Outside the SFHA	14 of 153
Most Recent Claim	Feb 2022 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 117 claims Hurricane Frances, Sep 2004 · 32 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 5517 Bay Meadows Dr is moderate, ranking above 59% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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	BAGDAD-GARCON POINT WATER SYSTEM public/private · serves 10,896 people · EPA ID FL1570042
Water Source	Groundwater
Last State Inspection	Nov 2025
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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Mediacom Xtream.

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