Santa Rosa County property record for 5521 Windham Rd, Milton, FL 32570
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,232 sqft · built 1991 |
| Lot Size | 1.02 acres (44,431 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $185,000 (Feb 2019) |
| Tax Bill | $2,440 (2024) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2017 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-1N-28-1850-00B00-0080 |
| Primary APN | 06-1N-28-1850-00B00-0080 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,232 sqft Living Area |
| Gross Area | 3,574 sqft |
| 1st Floor Area | 2,232 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 44,431 sqft (1.02 acres) |
| Lot Dimensions | 228 ft deep x 195 ft wide |
| Garage Type | Attached |
| Garage Area | 744 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 150 sqft |
| Patio Area | 140 sqft |
| Gazebo | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5521 WINDHAM RD |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32570-8366 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR1 |
| Legal Description | HIGHLANDS LOT 8 BLK B AS DES IN OR 4011 PG 1840 & IN OR 4072 PG 657 |
| Legal Range | 28W |
| Legal Township | 1N |
| Legal Section | 06 |
| Legal Subdivision | HIGHLANDS/REVISED |
| Legal Block | B |
| Legal Lot Number | 8 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | SKYLINE |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 10503 |
Source: Santa Rosa County records, as of December 26, 2025
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 Record |
|---|---|
| Mailing Address | 5521 WINDHAM RD, MILTON, FL 32570-8366 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2021 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Oct 20, 2017 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Feb 16, 2021 | Intrafamily Transfer, Transfer |
| Oct 7, 2020 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Feb 11, 2019 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 11, 2019 · Amount on Record |
| Deed Sale | Feb 11, 2019 · Amount on Record |
| Prior Sale | Feb 12, 2007 · Amount on Record |
| Deed Document Number | 20195145 |
| Deed Book / Page | 3802 / 1617 |
| Last Transfer Date | Feb 16, 2021 |
| Transfer Doc | 0040720657 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5521 WINDHAM RD, MILTON, FL 32570-8366 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2021 |
| Title Company | FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR |
| Name | Verified Name |
|---|---|
| Address | 5521 WINDHAM RD, MILTON, FL 32570-8366 |
| Document Number | 0041930470 |
|---|---|
| Date | Oct 14, 2021 |
| Book Page | 4193/470 |
| Instrument | 202168861 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5521 WINDHAM RD, MILTON, FL 32570-8366 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0036720183 |
|---|---|
| Date | Oct 20, 2017 |
| Book Page | 3672/0183 |
| Instrument | 201743956 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 6, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 16, 2021 |
| Property Address | 5521 WINDHAM RD, MILTON, FL 32570-8366 |
| Document Number | 0040720657 |
| Book / Page | 4072 / 657 |
| Map Reference | MB C PG 50 |
| Instrument Date | Feb 16, 2021 |
| Instrument | 202109971 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5521 WINDHAM RD, MILTON, FL 32570-8366 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 7, 2020 |
| Property Address | 5521 WINDHAM RD, MILTON, FL 32570-8366 |
| Document Number | 0040111840 |
| Book / Page | 4011 / 1840 |
| Map Reference | MB C PG 50 |
| Instrument Date | Aug 26, 2020 |
| Instrument | 202051680 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | RELIABLE LAND TITLE CORP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,729.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6240 FREEDOM CIR, 6240, GROVETOWN, GA 30813-1212 |
| Name | Verified Name |
|---|---|
| Address | 5521 WINDHAM RD, MILTON, FL 32570-8366 |
| Document Number | 0040111841 |
|---|---|
| Date | Oct 7, 2020 |
| Instrument | 4011/1841 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 11, 2019 |
| Property Address | 5521 WINDHAM RD, MILTON, FL 32570-8366 |
| Document Number | 0038021617 |
| Book / Page | 003802 / 001617 |
| Instrument Date | Feb 8, 2019 |
| Instrument | 5145 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5521 WINDHAM RD MILTON FL 325708366, MILTON, FL 32570-8366 |
| Document Number | 38021620 |
|---|---|
| Date | Feb 11, 2019 |
| Book Page | 003802/001620 |
| Instrument | 5147 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 10, 2049 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $250,221 (+2.9%) | $269,936 (+5.9%) Land $36,000 Building $233,936 | |
| 2024 | $2,440.00 (+1.88%) Homeowner's exemption Disabled Person's exemption | $243,169 (+3%) | $254,902 (+7.97%) Land $36,000 Building $218,902 |
| 2023 | $2,395.00 (-17.98%) | $236,086 (+0.09%) Land $30,000 Building $206,086 | $236,086 (+0.09%) Land $30,000 Building $206,086 |
| 2022 | $2,920.00 | $235,868 | $235,868 Land $30,000 Building $205,868 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 181 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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