5538 Rowell Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 5538 Rowell Rd, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,179 sqft · built 2005
Lot Size	0.296 acres (12,937 sqft)
Owner	Individual Name on File
Last Sale	$215,100 (Jul 2025)
Tax Bill	$1,779 (2024)
Deeds & Mortgages	Jul 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-1N-28-1410-00000-0051`

Property Details

APN / Parcel Number

Primary APN	`18-1N-28-1410-00000-0051`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,179 sqft Heated Area
Gross Area	1,621 sqft
1st Floor Area	1,421 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	12,937 sqft (0.296 acres)
Lot Dimensions	1,800 ft deep x 720 ft wide
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	80 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	181N281410000000051
Street Address	5538 ROWELL RD
City	MILTON
State	FL
Zip	32583-1642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	GOLDEN GATE ESTATES E 72.21 FT OF W 144.46 FT OF LOT 5 AS DES IN OR 2494 PG 449
Legal Range	28W
Legal Township	01N
Legal Section	18
Legal Subdivision	GOLDEN GATE ESTATES
Legal Lot Number	5
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	1
Census Block	1019
Census Tract	10711

Owner

5538 Rowell Rd is owned and occupied by an individual who bought it in July 2025.

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

Owner of Record	Individual Name on File
Mailing Address	5538 ROWELL RD, MILTON, FL 32583-1642
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2025 · Amount on File
Deed Sale	Jul 28, 2025 · Amount on File
Prior Sale	Aug 24, 2005 · Amount on File
Deed Document Number	202534405
Deed Book / Page	4641 / 1156
Record Updated	Jun 8, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 28, 2025
Property Address	5538 ROWELL RD, MILTON, FL 32583-1642
Document Number	0046411156
Book / Page	4641 / 1156
Map Reference	MB C PG 24
Instrument Date	Jul 13, 2025
Instrument	202534405
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	GUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1859 SE 3RD ST, ASTORIA, OR 97103-5441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5538 ROWELL RD, MILTON, FL 32583-1642

Mortgage

Document Number	0046411158
Date	Jul 28, 2025
Instrument	4641/1158

Lender

Name	CITY NATIONAL BANK OF FLORIDA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Tax Assessment & Valuation

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

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
2024	$1,779.00 (+4.04%)	$137,345 (+1.31%) Land $14,000 Building $123,345	$137,345 (+1.31%) Land $14,000 Building $123,345
2023	$1,710.00 (+8.23%)	$135,568 (+8.23%) Land $13,000 Building $122,568	$135,568 (+8.23%) Land $13,000 Building $122,568
2022	$1,580.00	$125,263	$125,263 Land $9,000 Building $116,263

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

Flood

FEMA maps place 5538 Rowell Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.

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 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2014–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2020 · Hurricane Sally

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 5538 Rowell Rd is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

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	0.09% 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	PACE WATER SYSTEM, INC. private · serves 49,328 people · EPA ID FL1570671
Water Source	Groundwater
Last State Inspection	Jun 2024
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	1 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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
AT&T DSL · Fiber in parts of the area	100 / 20