Santa Rosa County property record for 5547 Harbour Oaks Dr, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,873 sqft · built 2000 |
| Lot Size | 1.56 acres (68,041 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Oct 2011) |
| Tax Bill | $1,653 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 28-1S-28-1657-00C00-0100 |
| Primary APN | 28-1S-28-1657-00C00-0100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,873 sqft Living Area |
| Gross Area | 2,810 sqft |
| 1st Floor Area | 1,873 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 68,041 sqft (1.56 acres) |
| Garage Type | Attached |
| Garage Area | 467 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 320 sqft |
| Deck Area | 150 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5547 HARBOUR OAKS DR |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32583-9524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR1 |
| Legal Description | *ENHANCED LIFE ESTATE* RES IN: HARBOUR OAKS LOTS 10 & 11 BLK C AS DES IN OR 3089 PG 586 & AS DES IN OR 4564 PG 610 |
| Legal Range | 28W |
| Legal Township | 1S |
| Legal Section | 28 |
| Legal Subdivision | HARBOUR OAKS |
| Legal Block | C |
| Legal Lot Number | 10 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | AVALON-MULAT |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 10710 |
5547 Harbour Oaks Dr is owned and occupied by two individuals who acquired it in October 2024.
Source: Santa Rosa County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5547 HARBOUR OAKS DR, MILTON, FL 32583-9524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2011 · Amount on File |
| Deed Sale | Oct 24, 2011 · Amount on File |
| Prior Sale | May 4, 1998 · Amount on File |
| Deed Document Number | 201136579 |
| Deed Book / Page | 3089 / 586 |
| Last Transfer Date | Oct 31, 2024 |
| Transfer Doc | 0045640610 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 5547 Harbour Oaks Dr was $1,653, up 2.8% from the year before.
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 | $1,653.00 (+2.8%) | $147,343 (+2.9%) | $223,845 (+1.51%) Land $54,000 Building $169,845 |
| 2024 | $1,608.00 (+19.73%) Homeowner's exemption | $143,190 (+3%) | $220,525 (+5.19%) Land $54,000 Building $166,525 |
| 2023 | $1,343.00 (+3.23%) Homeowner's exemption | $139,019 (+3%) | $209,637 (+5.68%) Land $45,000 Building $164,637 |
| 2022 | $1,301.00 Homeowner's exemption | $134,970 | $198,372 Land $36,000 Building $162,372 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5547 Harbour Oaks Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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 risk around 5547 Harbour Oaks Dr is high, ranking above 75% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 75% of the US · above 62% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| AT&T DSL | 100 / 20 |
5G (outdoors only) and 4G LTE
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