Santa Rosa County property record for 5825 Moors Oaks Dr, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,985 sqft · built 2018 |
| Lot Size | 0.844 acres (36,765 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $480,000 (Nov 2020) |
| Tax Bill | $723 (2024) |
| Deeds & Mortgages | Apr 2026 Sale Jan 2018 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 41-1N-28-2568-00B00-0040 |
| Primary APN | 41-1N-28-2568-00B00-0040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,985 sqft Living Area |
| Gross Area | 4,664 sqft |
| 1st Floor Area | 2,985 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 36,765 sqft (0.844 acres) |
| Lot Dimensions | 330 ft deep x 117 ft wide |
| Garage Type | Attached |
| Garage Area | 819 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 134 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5825 MOORS OAKS DR |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32583-1815 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | *DESCRIPTION UPDATED FOR 2021* MOORS (THE) LOT 4 BLK B BEING A PORTION OF SECTION 41 & 42 TOWNSHIP 1 NORTH RANGE 28 WEST AS DES IN OR 4028 PG 934 |
| Legal Range | 28W |
| Legal Township | 1N |
| Legal Section | 41 |
| Legal Subdivision | MOORS (THE) |
| Legal Block | B |
| Legal Lot Number | 4 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | AVALON-MULAT |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 10709 |
Source: Santa Rosa County records, as of May 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 5828 MOORS OAKS DR, MILTON, FL 32583-2807 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Apr 30, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Jan 3, 2018 | Deed of Trust, Mortgage · ARM PEN AIR FCU |
| Nov 12, 2020 | Warranty Deed, Transfer · VA Mortgage UNIVERSITY LENDING GROUP LLC |
| Dec 18, 2018 | Loan Modification, Mortgage · Conventional with PMI PEN AIR FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 12, 2020 · Amount on Record |
| Deed Sale | Nov 12, 2020 · Amount on Record |
| Prior Sale | Jul 5, 2005 · Amount on Record |
| Deed Document Number | 202060232 |
| Deed Book / Page | 4028 / 934 |
| Last Transfer Date | Apr 2, 2026 |
| Transfer Doc | 0000021653 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 30, 2026 |
| Property Address | 5825 MOORS OAKS DR, MILTON, FL 32583-1815 |
| Document Number | 0000021653 |
| Book / Page | 4738 / 1014 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 202621653 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5825 MOORS OAKS DR, MILTON, FL 32583-1815 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | RELIABLE TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0036920315 |
|---|---|
| Date | Jan 3, 2018 |
| Book Page | 3692/0315 |
| Instrument | 201800258 |
| Name | PEN AIR FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32514 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Feb 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Feb 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.5% |
| Index | 1-Year LIBOR |
| Max Rate | 9.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 12, 2020 |
| Property Address | 5825 MOORS OAKS DR, MILTON, FL 32583-1815 |
| Document Number | 0040280934 |
| Book / Page | 4028 / 934 |
| Map Reference | MB F PG 22 |
| Instrument Date | Nov 6, 2020 |
| Instrument | 202060232 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5825 MOORS OAKS DR, MILTON, FL 32583-1815 |
| Document Number | 0040280936 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | 4028/936 |
| Instrument | 202060233 |
| Name | UNIVERSITY LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5825 MOORS OAKS DR, MILTON, FL 32583-1815 |
| Document Number | 0037931750 |
| Instrument Date | Dec 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2019 |
| Title Company | RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5825 MOORS OAKS DR MILTON FL 32583, MILTON, FL 32583 |
| Document Number | 0037931750 |
|---|---|
| Date | Dec 31, 2018 |
| Book Page | 003793/001750 |
| Instrument | 54932 |
| Name | PEN AIR FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 30, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
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 | $402,062 (+2.9%) | $472,317 (+9.81%) Land $60,000 Building $412,317 | |
| 2024 | $723.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $390,731 (+3%) | $430,141 (+0.97%) Land $25,000 Building $405,141 |
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $379,350 | $425,999 Land $25,000 Building $400,999 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 56 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 56 in force |
| Nearby Flood Claims | 6 (2017–2023) |
| Claims Outside the SFHA | 4 of 6 |
| Most Recent Claim | Feb 2023 · other causes |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 44% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 | 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 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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