5552 Harbour Oaks Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 5552 Harbour Oaks Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,132 sqft · built 1998
Lot Size	1.65 acres (72,005 sqft)
Owner	Individual Name on File
Last Sale	$219,900 (May 2016)
Tax Bill	$3,325 (2024)
Deeds & Mortgages	Sep 2018 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`28-1S-28-1657-00B00-0140`

Property Details

APN / Parcel Number

Primary APN	`28-1S-28-1657-00B00-0140`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,132 sqft Heated Area
Gross Area	4,436 sqft
1st Floor Area	2,132 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Metal
Lot Area	72,005 sqft (1.65 acres)
Lot Dimensions	3,770 ft deep x 2,400 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	528 sqft
Patio Area	116 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	281S28165700B000140
Street Address	5552 HARBOUR OAKS DR
City	MILTON
State	FL
Zip	32583-9139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	HARBOUR OAKS LOT 14 & 15 BLK B AS DES IN OR 3517 PG 27
Legal Range	28W
Legal Township	01S
Legal Section	28
Legal Subdivision	HARBOUR OAKS
Legal Block	B
Legal Lot Number	14-15 15
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	1
Census Block	1055
Census Tract	10710

Owner

5552 Harbour Oaks Dr is owned and occupied by an individual who bought it in May 2016.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5552 HARBOUR OAKS DR, MILTON, FL 32583-9139
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

Date	Document
Sep 18, 2018	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Dec 10, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2016 · Amount on File
Deed Sale	May 3, 2016 · Amount on File
Prior Sale	Oct 8, 2008 · Amount on File
Deed Document Number	201616440
Deed Book / Page	3517 / 0027
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5552 HARBOUR OAKS DR, MILTON, FL 32583-9139
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037661811
Date	Sep 18, 2018
Book Page	3766/1811
Instrument	201840081

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2033

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5552 HARBOUR OAKS DR, MILTON, FL 32583-9139
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5552 HARBOUR OAKS DR, MILTON, FL 32583-9139

Mortgage

Document Number	0040401688
Date	Dec 10, 2020
Book Page	4040/1688
Instrument	202066548

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2035

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	$3,325.00 (+3.52%)	$263,867 (+4.46%) Land $54,000 Building $209,867	$263,867 (+4.46%) Land $54,000 Building $209,867
2023	$3,212.00 (+6.92%)	$252,602 (+5.28%) Land $45,000 Building $207,602	$252,602 (+5.28%) Land $45,000 Building $207,602
2022	$3,004.00	$239,923	$239,923 Land $36,000 Building $203,923

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

Flood

FEMA maps place 5552 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	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 5552 Harbour Oaks Dr is high, ranking above 74% 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 74% of the US · above 59% 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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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