Santa Rosa County property record for 5643 Dunbar Cir, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,106 sqft · built 2004 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Aug 2026) |
| Tax Bill | $5,339 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-1N-28-2567-00G00-0200 |
| Primary APN | 41-1N-28-2567-00G00-0200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 3,106 sqft Living Area |
| Gross Area | 4,316 sqft |
| 1st Floor Area | 2,490 sqft |
| Upper Floors Area | 616 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 11,238 sqft (0.258 acres) |
| Lot Dimensions | 138 ft deep x 73 ft wide |
| Garage Type | Attached |
| Garage Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 570 sqft |
| Patio Area | 114 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5643 DUNBAR CIR |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32583-1836 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | MOORS GOLF AND RACQUET CLUB (THE) LOT 20 BLK G AS DES IN OR 4188 PG 1602 |
| Legal Range | 28W |
| Legal Township | 1N |
| Legal Section | 41 |
| Legal Subdivision | MOORS GOLF & RACQUET |
| Legal Block | G |
| Legal Lot Number | 20 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | AVALON-MULAT |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 10709 |
5643 Dunbar Cir is owned and occupied by two individuals who bought it in August 2026.
Source: Santa Rosa County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5643 DUNBAR CIR, MILTON, FL 32583-1836 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Aug 14, 2026 | Warranty Deed, Transfer · VA Mortgage AMERIS BANK |
| Nov 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Oct 5, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2026 · Amount on File |
| Deed Sale | Aug 14, 2026 · Amount on File |
| Prior Sale | Oct 5, 2021 · Amount on File |
| Deed Document Number | 202641261 |
| Deed Book / Page | 4778 / 1612 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 14, 2026 |
| Property Address | 5643 DUNBAR CIR, MILTON, FL 32583-1836 |
| Document Number | 0000041261 |
| Book / Page | 4778 / 1612 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 202641261 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2026 |
| Title Company | SURETY LAND AND TITLE COMPANY, SURETY LAND & TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $311,080.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5643 DUNBAR CIR, MILTON, FL 32583-1836 |
| Document Number | 0000041262, |
|---|---|
| Date | Aug 14, 2026 |
| Book Page | 4778/1613 |
| Instrument | 202641262 |
| Name | AMERIS BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5643 DUNBAR CIR, MILTON, FL 32583-1836 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3241 88TH ST NE, MONTICELLO, MN 55362-3123 |
| Document Number | 0042101867 |
|---|---|
| Date | Nov 22, 2021 |
| Book Page | 4210/1867 |
| Instrument | 202177957 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 5, 2021 |
| Property Address | 5643 DUNBAR CIR, MILTON, FL 32583-1836 |
| Document Number | 0041881602 |
| Book / Page | 4188 / 1602 |
| Map Reference | MB G PG 78 |
| Instrument Date | Oct 4, 2021 |
| Instrument | 202166486 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | GENESIS LAND & TITLE CO, GENESIS LAND & TITLE CO LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,045.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 984 CHASE CREEK CIR, TALLAHASSEE, FL 32311-7326 |
| Name | Verified Name |
|---|---|
| Address | 5643 DUNBAR CIR, MILTON, FL 32583-1836 |
| Document Number | 0041881603 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 4188/1603 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2025 property tax bill for 5643 Dunbar Cir was $5,339, down 4.4% 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 | $5,339.00 (-4.4%) | $448,509 (-4.65%) Land $30,000 Building $418,509 | $448,509 (-4.65%) Land $30,000 Building $418,509 |
| 2024 | $5,585.00 (-6.07%) Homeowner's exemption | $470,359 (+7.29%) Land $30,000 Building $440,359 | $470,359 (+7.29%) Land $30,000 Building $440,359 |
| 2023 | $5,946.00 (+8.38%) | $438,414 (+9.33%) Land $30,000 Building $408,414 | $438,414 (+9.33%) Land $30,000 Building $408,414 |
| 2022 | $5,486.00 | $400,990 | $400,990 Land $28,000 Building $372,990 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5643 Dunbar Cir in Zone X, an area of minimal flood risk, within 500 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 199 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 199 in force |
| Nearby Flood Claims | 56 (1995–2020) |
| Claims Outside the SFHA | 1 of 56 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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 5643 Dunbar Cir is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 68% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 | PACE WATER SYSTEM, INC. private · serves 49,328 people · EPA ID FL1570671 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 182 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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