5609 Harbour Oaks Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 5609 Harbour Oaks Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,986 sqft · built 2021
Owner	2 Individual Names on File
Last Sale	$18,000 (Jul 2019)
Tax Bill	$5,846 (2024)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2020 Construction Loan + 1 more
Flood Zone	Zone X (moderate risk)
APN	`28-1S-28-1657-00C00-0030`

Property Details

APN / Parcel Number

Primary APN	`28-1S-28-1657-00C00-0030`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,986 sqft Heated Area
1st Floor Area	4,788 sqft
Upper Floors Area	1,028 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2021
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Patio Area	152 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	281S28165700C000030
Street Address	5609 HARBOUR OAKS DR
City	MILTON
State	FL
Zip	32583-9534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	HARBOUR OAKS LOT 3 BLK C AS DES IN OR 3847 PG 1291 & ADDED PER REQUEST FOR 2021 LOT 4 DESCRIBED AS FOLLOWS: HARBOUR OAKS LOT
Legal Range	28W
Legal Township	01S
Legal Section	28
Legal Subdivision	& ADDED PER REQUEST
Legal Block	C
Legal Lot Number	3-4
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	1
Census Block	1034
Census Tract	10710

Owner

5609 Harbour Oaks Dr is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	5609 HARBOUR OAKS DR, MILTON, FL 32583-9534
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 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Apr 24, 2020	Deed of Trust, Mortgage · Construction Mortgage PEN AIR FEDERAL CU
Jul 9, 2019	Warranty Deed, Transfer GUARANTEE TITLE/NW FLORIDA INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2019 · Amount on File
Deed Sale	Jul 9, 2019 · Amount on File
Prior Sale	May 1, 2003 · Amount on File
Deed Document Number	201929309
Deed Book / Page	3847 / 1291
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5609 HARBOUR OAKS DR, MILTON, FL 32583-9534
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5609 HARBOUR OAKS DR, MILTON, FL 32583-9534

Mortgage

Document Number	0041720497
Date	Sep 1, 2021
Book Page	4172/497
Instrument	202158734

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5609 HARBOUR OAKS DR, MILTON, FL 32583-9534
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039421813
Date	Apr 24, 2020
Book Page	3942/1813
Instrument	202019400

Lender

Name	PEN AIR FEDERAL CU
Type	Credit Union
Address	PENSACOLA, FL 32514

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 9, 2019
Property Address	5609 HARBOUR OAKS DR, MILTON, FL 32583-9534
Document Number	0038471291
Book / Page	003847 / 001291
Instrument Date	Jun 26, 2019
Instrument	29309
Transaction Type	Transfer
Record Updated	Aug 30, 2019
Title Company	GUARANTEE TITLE/NW FLORIDA INC

Transaction

Amount	Amount on Record
Tax	$126.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5689 MICHAEL DR MILTON FL 325839169, MILTON, FL 32583-9169

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	$5,846.00 (+1.51%) Homeowner's exemption	$478,531 (+3%)	$500,833 (+2.53%) Land $48,000 Building $452,833
2023	$5,759.00 (+2.36%) Homeowner's exemption	$464,593 (+3%)	$488,456 (+3.57%) Land $40,000 Building $448,456
2022	$5,626.00 Homeowner's exemption	$451,061	$471,629 Land $32,000 Building $439,629

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

Flood

FEMA maps place 5609 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 5609 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.

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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