Santa Rosa County property record for 5591 Harbour Oaks Dr, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,887 sqft · built 1999 |
| Lot Size | 0.925 acres (40,293 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $64,058 (Mar 2014) |
| Tax Bill | $1,604 (2025) |
| Deeds & Mortgages | Nov 2025 Sale Oct 2021 Second Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 28-1S-28-1657-00C00-0050 |
| Primary APN | 28-1S-28-1657-00C00-0050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,887 sqft Living Area |
| Gross Area | 2,775 sqft |
| 1st Floor Area | 1,887 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 40,293 sqft (0.925 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 426 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5591 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 LOT 5 BLK C AS DES IN OR 1507 PG 1416 & OR 3327 PG 1758 |
| Legal Range | 28W |
| Legal Township | 1S |
| Legal Section | 28 |
| Legal Subdivision | HARBOUR OAKS |
| Legal Block | C |
| Legal Lot Number | 5 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | AVALON-MULAT |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 10710 |
5591 Harbour Oaks Dr is owned and occupied by two individuals who acquired it in November 2025.
Source: Santa Rosa County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5591 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.
| Date | Document |
|---|---|
| Nov 4, 2025 | Deed, Transfer |
| Oct 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CENTRAL CREDIT UNION OF FLORIDA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 5, 2014 · Amount on File |
| Deed Sale | Mar 5, 2014 · Amount on File |
| Deed Document Number | 20147273 |
| Deed Book / Page | 3327 / 1758 |
| Last Transfer Date | Nov 4, 2025 |
| Transfer Doc | 0046760582 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 4, 2025 |
| Property Address | 5591 HARBOUR OAKS DR, MILTON, FL 32583-9524 |
| Document Number | 0046760582 |
| Book / Page | 4676 / 582 |
| Instrument Date | Nov 4, 2025 |
| Instrument | 202552048 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5591 HARBOUR OAKS DR, MILTON, FL 32583-9524 |
| Name | Verified Name |
|---|---|
| Address | 5591 HARBOUR OAKS DR, MILTON, FL 32583-9524 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5591 HARBOUR OAKS DR, MILTON, FL 32583-9524 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5591 HARBOUR OAKS DR, MILTON, FL 32583-9524 |
| Document Number | 0041990905 |
|---|---|
| Date | Oct 27, 2021 |
| Book Page | 4199/905 |
| Instrument | 202172023 |
| Name | CENTRAL CREDIT UNION OF FLORIDA |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32522 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 30, 2041 |
The 2025 property tax bill for 5591 Harbour Oaks Dr was $1,604, down 0.7% 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 | $1,604.00 (-0.74%) | $146,476 (+2.9%) | $215,494 (+1.71%) Land $30,000 Building $185,494 |
| 2024 | $1,616.00 (+21.32%) Homeowner's exemption | $142,348 (+3%) | $211,861 (+3.45%) Land $30,000 Building $181,861 |
| 2023 | $1,332.00 (+3.26%) Homeowner's exemption | $138,202 (+3%) | $204,787 (+3.73%) Land $25,000 Building $179,787 |
| 2022 | $1,290.00 Homeowner's exemption | $134,177 | $197,419 Land $20,000 Building $177,419 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5591 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 5591 Harbour Oaks Dr is high, ranking above 77% 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 77% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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