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5954 Rustic Ridge Cir, Milton, FL 32570 Property Records

Santa Rosa County property record for 5954 Rustic Ridge Cir, Milton, FL 32570

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,616 sqft · built 2013
Lot Size0.232 acres (10,106 sqft)
Owner2 Company Names on Record
Last Sale$349,900 (May 2023)
Tax Bill$4,286 (2025)
Deeds & MortgagesMay 2023 Sale & Construction Loan
Nov 2017 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN27-2N-28-4500-00D00-0050

Property Details

APN / Parcel Number

Primary APN27-2N-28-4500-00D00-0050
Alternative APN
  • N28227450000D000050

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,616 sqft Living Area
Gross Area3,692 sqft
1st Floor Area2,616 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2013
Effective Year BuiltEffective 2013
Exterior MaterialBrick
Construction TypeWood
Foundation TypeMasonry
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area10,106 sqft (0.232 acres)
Lot Dimensions133 ft deep x 76 ft wide
Garage TypeAttached
Garage Area552 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area251 sqft
Patio Area273 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address5954 RUSTIC RIDGE CIR
CityMILTON
StateFL
Zip32570-2724
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRUSTIC RIDGE ESTATES LOT 5 BLK D AS DES IN OR 4395 PG 1707
Legal Range28W
Legal Township2N
Legal Section27
Legal SubdivisionRUSTIC RIDGE ESTATES
Legal BlockD
Legal Lot Number5
JurisdictionSANTA ROSA FL
Township / Civil DivisionMILTON
Census Block Group1
Census Block1062
Census Tract10505

Owner

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

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

Owner of Record2 Company Names on Record
Mailing Address210 DAVIDSON ST, CHULA VISTA, CA 91910-2705
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
May 16, 2023Warranty Deed, Construction Loan · Construction Mortgage
AMERICAN FINANCIAL NETWORK INC
Nov 2, 2017Deed of Trust, Mortgage · Conventional Mortgage
FIRST COMMUNITY MORTGAGE INC
Jul 14, 2020Deed of Trust, Mortgage · VA Mortgage
SUPREME LNDG
Apr 27, 2018Warranty Deed, Transfer
NAVY FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 16, 2023 · Amount on Record
Deed SaleMay 16, 2023 · Amount on Record
Prior SaleApr 27, 2018 · Amount on Record
Deed Document Number202321568
Deed Book / Page4395 / 1707
Record UpdatedOct 29, 2026

May 2023: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMay 16, 2023
Property Address5954 RUSTIC RIDGE CIR, MILTON, FL 32570-2724
Document Number0043951707
Book / Page4395 / 1707
Map ReferenceMB 10 PG 98&99
Instrument DateMay 15, 2023
Instrument202321568
Transaction TypeConstruction Loan
Record UpdatedJun 21, 2023
Title CompanySETCO SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,449.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address104 FOREST RIDGE TRL, STELLA, NC 28582-9772

Transferred To (Grantee/Buyer)

NameVerified Name
Address7735 SAINT MARLO COUNTRY CLUB PKWY, DULUTH, GA 30097-1631
InvestorPossibly a Property Investor

Mortgage

Document Number0043951709
DateMay 16, 2023
Instrument4395/1709
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2053

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address5954 RUSTIC RIDGE CIR, MILTON, FL 32570-2724
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0036751237
DateNov 2, 2017
Book Page3675/1237
Instrument201745833
Lender
NameFIRST COMMUNITY MORTGAGE INC
TypeMortgage Company
AddressMURFREESBORO, TN 37129
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2047

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address5954 RUSTIC RIDGE CIR, MILTON, FL 32570-2724
Document Number0039790804
Instrument DateJul 14, 2020
Transaction TypeMortgage
Record UpdatedAug 10, 2020
Title CompanyCLEAR TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5954 RUSTIC RIDGE CIR MILTON FL 325702724, MILTON, FL 32570-2724

Mortgage

Document Number0039790804
DateJul 21, 2020
Book Page003979/000804
Instrument36228
Lender
NameSUPREME LNDG
AddressDALLAS, TX 75254
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 20, 2050

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateApr 27, 2018
Property Address5954 RUSTIC RIDGE CIR, MILTON, FL 32570-2724
Document Number0037220018
Book / Page003722 / 000018
Instrument DateApr 25, 2018
Instrument16574
Transaction TypeTransfer
Record UpdatedJul 4, 2018
Title CompanySPRINGDALE TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,470.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5954 RUSTIC RIDGE CIR MILTON FL 325702724, MILTON, FL 32570-2724

Mortgage

Document Number37220020
DateApr 27, 2018
Book Page003722/000020
Instrument16575
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
AmountAmount Recorded
Term360 Months
DueApr 26, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
MunicipalityMilton City
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,286.00 (-0.44%)$314,341 (+6.15%) Land $29,000 Building $285,341$314,341 (+6.15%) Land $29,000 Building $285,341
2024$4,305.00 (+2.67%)$296,118 (+1.68%) Land $29,000 Building $267,118$296,118 (+1.68%) Land $29,000 Building $267,118
2023$4,193.00 (+7.35%)$291,222 (+5.72%) Land $29,000 Building $262,222$291,222 (+5.72%) Land $29,000 Building $262,222
2022$3,906.00$275,468$275,468 Land $26,000 Building $249,468

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 31 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies31 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 RiskModerate
above 54% of the US · lower than 74% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach

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 SystemMILTON, CITY OF WATER SYSTEM
serves 21,241 people · EPA ID FL1570146
Water SourceGroundwater
Last State InspectionFeb 2025
Lead5 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 115 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		1,000 / 1,000
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

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