708 Mike Gibson Ln, Milton, FL 32583 Property Records

Santa Rosa County property record for 708 Mike Gibson Ln, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,149 sqft · built 2000
Lot Size	0.418 acres (18,208 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Sep 2018)
Tax Bill	$2,871 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`28-1S-28-1657-00C00-0130`

Property Details

APN / Parcel Number

Primary APN	`28-1S-28-1657-00C00-0130`
Alternative APN	`S28128165700C000130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,149 sqft Living Area
Gross Area	3,384 sqft
1st Floor Area	2,149 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2015
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	18,208 sqft (0.418 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	515 sqft
Patio Area	192 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	708 MIKE GIBSON LN
City	MILTON
State	FL
Zip	32583-9571
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	HARBOUR OAKS LOT 13 BLK C AS DES IN OR 3766 PG 2054
Legal Range	28W
Legal Township	1S
Legal Section	28
Legal Subdivision	HARBOUR OAKS
Legal Block	C
Legal Lot Number	13
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	1
Census Block	1034
Census Tract	10710

Owner

Source: Santa Rosa County records, as of September 16, 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	708 MIKE GIBSON LN, MILTON, FL 32583-9571
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY BANK
Sep 18, 2018	Warranty Deed, Transfer · Conventional with PMI LEGACY BK/TX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2018 · Amount on Record
Deed Sale	Sep 18, 2018 · Amount on Record
Deed Document Number	201840120
Deed Book / Page	3766 / 2054
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	708 MIKE GIBSON LN, MILTON, FL 32583-9571
Transaction Type	Mortgage
Record Updated	Apr 29, 2021
Title Company	EMERALD COAST TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040880562
Date	Mar 17, 2021
Book Page	4088/562
Instrument	202117478

Lender

Name	PROSPERITY BANK
Type	Bank
Address	EL CAMPO, TX 77437

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 18, 2018
Property Address	708 MIKE GIBSON LN, MILTON, FL 32583-9571
Document Number	0037662054
Book / Page	003766 / 002054
Instrument Date	Sep 13, 2018
Instrument	40120
Transaction Type	Transfer
Record Updated	Oct 30, 2018
Title Company	EMERALD COAST TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	708 MIKE GIBSON LN MILTON FL 325839571, MILTON, FL 32583-9571

Mortgage

Document Number	37662056
Date	Sep 18, 2018
Book Page	003766/002056
Instrument	40121

Lender

Name	LEGACY BK/TX
Type	Bank
Address	PLANO, TX 75024

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 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
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,871.00 (+2.79%) Homeowner's exemption	$247,086 (+2.9%)	$320,814 (+4.39%) Land $47,300 Building $273,514
2024	$2,793.00 (+6.6%) Homeowner's exemption	$240,122 (+3%)	$307,313 (+1.89%) Land $38,500 Building $268,813
2023	$2,620.00 (+2.7%) Homeowner's exemption	$233,128 (+3%)	$301,599 (+3.38%) Land $35,200 Building $266,399
2022	$2,551.00 Homeowner's exemption	$226,338	$291,739 Land $25,000 Building $266,739

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 469 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	469 in force
Nearby Flood Claims	153 (2004–2022)
Claims Outside the SFHA	14 of 153
Most Recent Claim	Feb 2022 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 117 claims Hurricane Frances, Sep 2004 · 32 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	High above 75% of the US · above 62% of Florida
Wildfire Likelihood	0.3% 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	BAGDAD-GARCON POINT WATER SYSTEM public/private · serves 10,896 people · EPA ID FL1570042
Water Source	Groundwater
Last State Inspection	Nov 2025
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	None 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 39 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

Cell Coverage

5G (outdoors only) and 4G LTE

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