5898 Cedar Tree Dr, Milton, FL 32570 Property Records

Santa Rosa County property record for 5898 Cedar Tree Dr, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,520 sqft · built 1994
Lot Size	0.264 acres (11,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jun 2026)
Tax Bill	$1,986 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-2N-28-0000-04703-0000`

Property Details

APN / Parcel Number

Primary APN	`29-2N-28-0000-04703-0000`
Alternative APN	`N282290000047030000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,520 sqft Living Area
Gross Area	2,280 sqft
1st Floor Area	1,520 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	11,500 sqft (0.264 acres)
Lot Dimensions	125 ft deep x 92 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	304 sqft
Patio Area	144 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5898 CEDAR TREE DR
City	MILTON
State	FL
Zip	32570-8705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DESC UPDATE FOR 2024 COM AT SE CORN W2 OF 29-2N-28W THN N8835'24W 310 FT TH N029'33E 2113.60 FT FOR POB THN N015'E 107.50 FT THN S8422'33W 125.62 FT TO E R/W OF CEDAR TREE DR THN ON R/W S015'W 92.29 FT THN S8840'15E 124.98 FT TO POB AS DES IN
Legal Range	28W
Legal Township	2N
Legal Section	29
Jurisdiction	SANTA ROSA FL
Township / Civil Division	SKYLINE
Census Block Group	3
Census Block	3014
Census Tract	10504

Owner

Source: Santa Rosa County records, as of July 24, 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	5898 CEDAR TREE DR, MILTON, FL 32570-8705
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Warranty Deed, Transfer · FHA Mortgage SERVISFIRST BANK
Jul 15, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2026 · Amount on Record
Deed Sale	Jun 17, 2026 · Amount on Record
Prior Sale	Jul 18, 2022 · Amount on Record
Deed Document Number	202630631
Deed Book / Page	4756 / 2009
Prior Transfer Date	Apr 9, 2024
Prior Transfer Doc	0044910080
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 17, 2026
Property Address	5898 CEDAR TREE DR, MILTON, FL 32570-8705
Document Number	0000030631
Book / Page	4756 / 2009
Instrument Date	May 22, 2026
Instrument	202630631
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187,355.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5898 CEDAR TREE DR, MILTON, FL 32570-8705

Mortgage

Document Number	0000030632,
Date	Jun 17, 2026
Instrument	202630632

Lender

Name	SERVISFIRST BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 15, 2022
Property Address	5898 CEDAR TREE DR, MILTON, FL 32570-8705
Document Number	0043061076
Book / Page	4306 / 1076
Instrument Date	Jun 29, 2022
Instrument	202242014
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	OKALOOSA TITLE, OKALOOSA TTL & ABSTRACT CO I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	52 CHARLES BOOKER RD, BAKER, FL 32531-7000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5898 CEDAR TREE DR, MILTON, FL 32570-8705

Mortgage

Document Number	0043061080
Date	Jul 15, 2022
Instrument	4306/1080

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

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	$1,986.00 (+2.85%)	$162,108 (+1.24%) Land $16,000 Building $146,108	$162,108 (+1.24%) Land $16,000 Building $146,108
2024	$1,931.00 (-1.08%)	$160,128 (+0.49%) Land $16,000 Building $144,128	$160,128 (+0.49%) Land $16,000 Building $144,128
2023	$1,952.00 (+264.86%) Homeowner's exemption	$159,352 (+115.08%) Land $16,000 Building $143,352	$159,352 (+44.05%) Land $16,000 Building $143,352
2022	$535.00 Homeowner's exemption	$74,089	$110,620 Land $16,000 Building $94,620

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% 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	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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
AT&T DSL	100 / 20

May also be available: Verizon.

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