5840 Moors Oaks Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 5840 Moors Oaks Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,700 sqft · built 2024
Lot Size	0.323 acres (14,070 sqft)
Owner	2 Individual Names on Record
Last Sale	$396,900 (Dec 2024)
Tax Bill	$4,605 (2025)
Deeds & Mortgages	Dec 2024 Sale & Mortgage Oct 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-1N-28-2568-00A00-0060`

Property Details

APN / Parcel Number

Primary APN	`41-1N-28-2568-00A00-0060`
Alternative APN	`N28141256800A000060`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,700 sqft Living Area
Gross Area	3,716 sqft
1st Floor Area	2,700 sqft
Flooring	Wood

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	14,070 sqft (0.323 acres)
Lot Dimensions	146 ft deep x 94 ft wide
Garage Type	Attached
Garage Area	474 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5840 MOORS OAKS DR
City	MILTON
State	FL
Zip	32583-2807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 6 BLK A MOORS (THE) AS DES IN OR 4573 PG 1518
Legal Range	28W
Legal Township	1N
Legal Section	41
Legal Subdivision	MOORS (THE)
Legal Block	A
Legal Lot Number	6
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	2
Census Block	2021
Census Tract	10709

Owner

Source: Santa Rosa County records, as of April 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5840 MOORS OAKS DR, MILTON, FL 32583-2807
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2024	Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Oct 12, 2023	Warranty Deed, Transfer GENESIS LAND & TITLE CO, GENESIS LAND & TITLE CO LLC
Apr 27, 2023	Warranty Deed, Transfer GENESIS LAND & TITLE CO, GENESIS LAND AND TTL CO LLC
Dec 15, 2021	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2024 · Amount on Record
Deed Sale	Dec 23, 2024 · Amount on Record
Prior Sale	Apr 27, 2023 · Amount on Record
Deed Document Number	202457287
Deed Book / Page	4573 / 1518
Record Updated	Jun 8, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 23, 2024
Property Address	5840 MOORS OAKS DR, MILTON, FL 32583-2807
Document Number	0045731518
Book / Page	4573 / 1518
Map Reference	MB F PG 22
Instrument Date	Dec 20, 2024
Instrument	202457287
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	GENESIS LAND & TITLE CO, GENESIS LAND & TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,778.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1300 E OLIVE RD, PENSACOLA, FL 32514-4820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5840 MOORS OAKS DR, MILTON, FL 32583-2807

Mortgage

Document Number	0202457288
Date	Dec 23, 2024
Instrument	202457288

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2035

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 12, 2023
Property Address	5840 MOORS OAKS DR, MILTON, FL 32583-2807
Document Number	0044420637
Book / Page	4442 / 637
Map Reference	MB F PG 22
Instrument Date	Oct 11, 2023
Instrument	202346298
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	GENESIS LAND & TITLE CO, GENESIS LAND & TITLE CO LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8649 PATHSTONE BLVD, PENSACOLA, FL 32526-7996

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1300 E OLIVE RD, PENSACOLA, FL 32514-4820
Investor	Possibly a Property Investor

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 27, 2023
Property Address	5840 MOORS OAKS DR, MILTON, FL 32583-2807
Document Number	0043890083
Book / Page	4389 / 83
Map Reference	MB F PG 22
Instrument Date	Apr 19, 2023
Instrument	202318096
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	GENESIS LAND & TITLE CO, GENESIS LAND AND TTL CO LLC

Transaction

Amount	Amount Recorded
Tax	$434.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 METAIRIE CT, LAFAYETTE, LA 70503-5978

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2594 WILD DUNES CIR, AURORA, IL 60503-5644

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 15, 2021
Property Address	5840 MOORS OAKS DR, MILTON, FL 32583-2807
Document Number	0042210100
Book / Page	4221 / 100
Map Reference	MB F PG 22
Instrument Date	Dec 1, 2021
Instrument	202182916
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$364.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5880 MOORS OAKS DR, MILTON, FL 32583-2807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 METAIRIE CT, LAFAYETTE, LA 70503-5978

Mortgage

Document Number	0004221102
Date	Dec 15, 2021
Instrument	4221/102

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jan 1, 2027
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	11.5%
Index	1-Year CMT
Max Rate	11.5%

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025	$4,605.00 (+849.48%)	$392,253 (+880.63%) Land $50,000 Building $342,253	$392,253 (+880.63%) Land $50,000 Building $342,253
2024	$485.00 (-10.52%)	$40,000 (-) Land $40,000	$40,000 (-) Land $40,000
2023	$542.00 (-0.91%)	$40,000 (-) Land $40,000	$40,000 (-) Land $40,000
2022	$547.00	$40,000	$40,000 Land $40,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 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	Hurricane Sally, Sep 2020 · 4 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 46% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 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
T-Mobile Fixed Wireless	100 / 20

5840 Moors Oaks Dr, Milton, FL 32583 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2024: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Moors Oaks Dr

Nearby Streets

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