Santa Rosa County property record for 5555 Harbour Oaks Dr, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,857 sqft · built 2002 |
| Lot Size | 1.34 acres (58,762 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Aug 2018) |
| Tax Bill | $614 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 28-1S-28-1657-00C00-0080 |
| Primary APN | 28-1S-28-1657-00C00-0080 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,857 sqft Heated Area |
| Gross Area | 4,210 sqft |
| 1st Floor Area | 3,363 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 58,762 sqft (1.34 acres) |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| RV Parking | RV Parking |
| Porch | Open Porch |
|---|---|
| Porch Area | 595 sqft |
| Deck Area | 252 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 281S28165700C000080 |
|---|---|
| Street Address | 5555 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 | HARBOUR OAKS LOTS 8 & 9 BLK C AS DES IN OR 3756 PG 2028 |
| Legal Range | 28W |
| Legal Township | 01S |
| Legal Section | 28 |
| Legal Subdivision | HARBOUR OAKS |
| Legal Block | C |
| Legal Lot Number | 8-9 9 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | AVALON-MULAT |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 10710 |
5555 Harbour Oaks Dr is owned and occupied by two individuals who bought it in August 2018.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5555 HARBOUR OAKS DR, MILTON, FL 32583-9524 |
| 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.
| Date | Document |
|---|---|
| Mar 15, 2021 | Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC |
| Aug 14, 2018 | Warranty Deed, Transfer · Conventional Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2018 · Amount on File |
| Deed Sale | Aug 14, 2018 · Amount on File |
| Prior Sale | Jun 4, 2015 · Amount on File |
| Deed Document Number | 201834737 |
| Deed Book / Page | 3756 / 2028 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5555 HARBOUR OAKS DR, MILTON, FL 32583-9524 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 5555 HARBOUR OAKS DR, MILTON, FL 32583-9524 |
| Document Number | 0040861290 |
|---|---|
| Date | Mar 15, 2021 |
| Book Page | 4086/1290 |
| Instrument | 202116684 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 14, 2018 |
| Property Address | 5555 HARBOUR OAKS DR, MILTON, FL 32583-9524 |
| Document Number | 0037562028 |
| Book / Page | 003756 / 002028 |
| Instrument Date | Jul 30, 2018 |
| Instrument | 34737 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2018 |
| Title Company | SURETY LAND TITLE/FL LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5555 HARBOUR OAKS DR MILTON FL 325839524, MILTON, FL 32583-9524 |
| Document Number | 37562029 |
|---|---|
| Date | Aug 14, 2018 |
| Book Page | 003756/002029 |
| Instrument | 34738 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 13, 2048 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $614.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $367,076 (+3%) | $440,465 (+2.83%) Land $54,000 Building $386,465 |
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $356,384 | $428,336 Land $45,000 Building $383,336 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5555 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 5555 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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