5889 Bay Tree Ct, Milton, FL 32570 Property Records

Santa Rosa County property record for 5889 Bay Tree Ct, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,917 sqft · built 2018
Lot Size	0.15 acres (6,552 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Jun 2023)
Tax Bill	$49 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`28-2N-28-2323-00B00-0150`

Property Details

APN / Parcel Number

Primary APN	`28-2N-28-2323-00B00-0150`
Alternative APN	`N28228232300B000150`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,917 sqft Living Area
Gross Area	2,528 sqft
1st Floor Area	738 sqft
Upper Floors Area	1,179 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	6,552 sqft (0.15 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	90 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5889 BAY TREE CT
City	MILTON
State	FL
Zip	32570-3527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	MAGNOLIA BEND PH II LOT 15 BLK B AS DES IN OR 4406 PG 488
Legal Range	28W
Legal Township	2N
Legal Section	28
Legal Subdivision	MAGNOLIA BEND PH II
Legal Block	B
Legal Lot Number	15
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MILTON
Census Block Group	2
Census Block	2002
Census Tract	10601

Owner

Source: Santa Rosa County records, as of April 21, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	5889 BAY TREE CT, MILTON, FL 32570-3527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2026	Deed of Trust, Mortgage · VA Mortgage OPUS HOME LOANS INC
Jun 16, 2023	Special Warranty Deed, Transfer · VA Mortgage TRIDENT HOME LOANS LLC
Mar 9, 2023	Trustee's Deed, Foreclosure
Dec 3, 2020	Warranty Deed, Transfer · FHA Mortgage INTERLINC MORTGAGE SERVICES LLC
Oct 19, 2019	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING
Jun 5, 2018	Grant Deed, Subdivision Related Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2023 · Amount on Record
Deed Sale	Jun 16, 2023 · Amount on Record
Prior Sale	Mar 9, 2023 · Amount on Record
Deed Document Number	202326957
Deed Book / Page	4406 / 488
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5889 BAY TREE CT, MILTON, FL 32570-3527
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5889 BAY TREE CT, MILTON, FL 32570-3527

Mortgage

Document Number	0047240742
Date	Mar 26, 2026
Book Page	4724/742
Instrument	202614915

Lender

Name	OPUS HOME LOANS INC
Type	Mortgage Company
Address	BLOOMFIELD HILLS, MI 48304

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

June 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 16, 2023
Property Address	5889 BAY TREE CT, MILTON, FL 32570-3527
Document Number	0044060488
Book / Page	4406 / 488
Map Reference	MB 12 PG 57&58
Instrument Date	Jun 13, 2023
Instrument	202326957
Transaction Type	Transfer
Record Updated	Jul 7, 2023
Title Company	MAJESTY TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4006 S MACDILL AVE, TAMPA, FL 33611-1545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5889 BAY TREE CT, MILTON, FL 32570-3527

Mortgage

Document Number	0004406490
Date	Jun 16, 2023
Instrument	4406/490

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

March 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 9, 2023
Property Address	5889 BAY TREE CT, MILTON, FL 32570-3527
Document Number	0043740170
Book / Page	4374 / 170
Map Reference	MB 12 PG 57&58
Instrument Date	Mar 8, 2023
Instrument	202309901
Transaction Type	Foreclosure
Record Updated	Apr 12, 2023

Transaction

Amount	Amount Recorded
Tax	$1,680.70
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2086, LUTZ, FL 33548-2086
Investor	Possibly a Property Investor

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 3, 2020
Property Address	5889 BAY TREE CT, MILTON, FL 32570-3527
Document Number	0040371630
Book / Page	4037 / 1630
Map Reference	MB 12 PG 57&58
Instrument Date	Dec 2, 2020
Instrument	202065014
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	CLEAR TTL OF NORTHWEST FL LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,316.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4438 WINNERS GAIT CIR, 4438, PACE, FL 32571-6376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5889 BAY TREE CT, MILTON, FL 32570-3527

Mortgage

Document Number	0040371632
Date	Dec 3, 2020
Instrument	4037/1632

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5889 BAY TREE CT, MILTON, FL 32570-3527
Document Number	0038852058
Instrument Date	Oct 19, 2019
Transaction Type	Mortgage
Record Updated	Jan 8, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5889 BAY TREE CT MILTON FL 325703527, MILTON, FL 32570-3527

Mortgage

Document Number	0038852058
Date	Nov 1, 2019
Book Page	003885/002058
Instrument	49247

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2049

June 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 5, 2018
Property Address	5889 BAY TREE CT, MILTON, FL 32570-3527
Document Number	0037341591
Book / Page	003734 / 001591
Instrument Date	May 25, 2018
Instrument	23075
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 2, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,144.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6563 STARBOARD DR MILTON FL 325709022, MILTON, FL 32570-9022

Mortgage

Document Number	37341593
Date	Jun 5, 2018
Book Page	003734/001593
Instrument	23076

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Municipality	Milton City
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$234,373 (+1.2%) Land $23,000 Building $211,373	$234,373 (+1.2%) Land $23,000 Building $211,373
2024	$49.00 (-98.46%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$231,597 (+5.18%) Land $23,000 Building $208,597	$231,597 (+5.18%) Land $23,000 Building $208,597
2023	$3,184.00 (+8.34%)	$220,183 (+8.25%) Land $23,000 Building $197,183	$220,183 (+8.25%) Land $23,000 Building $197,183
2022	$2,939.00	$203,397	$203,397 Land $18,000 Building $185,397

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

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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	MILTON, CITY OF WATER SYSTEM serves 21,241 people · EPA ID FL1570146
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	5 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 393 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

5889 Bay Tree Ct, Milton, FL 32570 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

March 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2023: Special Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2023: Trustee's Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2018: Grant Deed, Subdivision Related Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Bay Tree Ct

Nearby Streets

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