5864 Cindy Ln, Milton, FL 32570 Property Records

Santa Rosa County property record for 5864 Cindy Ln, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,227 sqft · built 1986
Lot Size	0.642 acres (27,966 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Apr 2023)
Tax Bill	$3,025 (2024)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Dec 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`30-2N-28-0000-00618-0000`

Property Details

APN / Parcel Number

Primary APN	`30-2N-28-0000-00618-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,227 sqft Heated Area
Gross Area	3,183 sqft
1st Floor Area	2,667 sqft
Upper Floors Area	664 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	27,966 sqft (0.642 acres)
Lot Dimensions	1,400 ft deep x 2,000 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	360 sqft
Patio Area	156 sqft
Shed	1 Shed
Shed Area	2 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	302N280000006180000
Street Address	5864 CINDY LN
City	MILTON
State	FL
Zip	32570-7724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	COMMENCE AT THE SOUTHWEST CORNER OF THE SE 1/4 OF THE SE 1/4 OF SECTION 30, TOWNSHIP 2 NORTH, RANGE 28 WEST; THENCE RUN EAST
Legal Range	28W
Legal Township	02N
Legal Section	30
Legal Subdivision	OF AN UNRECORDED SUBDIVISION
Legal Lot Number	45-46
Jurisdiction	SANTA ROSA FL
Township / Civil Division	SKYLINE
Census Block Group	3
Census Block	3009
Census Tract	10504

Owner

5864 Cindy Ln is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5864 CINDY LN, MILTON, FL 32570-7724
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
Apr 4, 2023	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Dec 8, 2021	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jun 15, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Jul 27, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2023 · Amount on File
Deed Sale	Apr 4, 2023 · Amount on File
Prior Sale	Dec 8, 2021 · Amount on File
Deed Document Number	202314447
Deed Book / Page	4382 / 748
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 4, 2023
Property Address	5864 CINDY LN, MILTON, FL 32570-7724
Document Number	0043820748
Book / Page	4382 / 748
Instrument Date	Apr 3, 2023
Instrument	202314447
Transaction Type	Transfer
Record Updated	May 9, 2023
Title Company	EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3624 LAUREL LEE BLVD, PACE, FL 32571-6861

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5864 CINDY LN, MILTON, FL 32570-7724

Mortgage

Document Number	0004382750
Date	Apr 4, 2023
Instrument	4382/750

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 8, 2021
Property Address	5864 CINDY LN, MILTON, FL 32570-7724
Document Number	0042180786
Book / Page	4218 / 786
Instrument Date	Nov 22, 2021
Instrument	202181559
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6650 CAROLINE ST, 6650, MILTON, FL 32570-4780

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5864 CINDY LN, MILTON, FL 32570-7724

Mortgage

Document Number	0004218787
Date	Dec 8, 2021
Instrument	4218/787

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5864 CINDY LN, MILTON, FL 32570-7724
Transaction Type	Mortgage
Record Updated	Jul 26, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041331002
Date	Jun 15, 2021
Book Page	4133/1002
Instrument	202139976

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5864 CINDY LN, MILTON, FL 32570-7724
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5864 CINDY LN, MILTON, FL 32570-7724

Mortgage

Document Number	0039811074
Date	Jul 27, 2020
Book Page	3981/1074
Instrument	202037228

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2050

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	$3,025.00 (-0.07%) Homeowner's exemption	$289,601 (+16.99%) Land $25,600 Building $264,001	$289,601 (+16.99%) Land $25,600 Building $264,001
2023	$3,027.00 (-1.11%)	$247,549 (-0.17%) Land $25,600 Building $221,949	$247,549 (-0.17%) Land $25,600 Building $221,949
2022	$3,061.00	$247,971	$247,971 Land $25,600 Building $222,371

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

Flood

FEMA maps place 5864 Cindy Ln in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 37 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	37 in force

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 5864 Cindy Ln is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	POINT BAKER WATER SYSTEM, INC. private · serves 11,318 people · EPA ID FL1570540
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 ppb (2025) 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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