734 Mike Gibson Ln, Milton, FL 32583 Property Records

Santa Rosa County property record for 734 Mike Gibson Ln, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,722 sqft · built 2000
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Nov 2019)
Tax Bill	$1,706 (2024)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`28-1S-28-1657-00B00-0190`

Property Details

APN / Parcel Number

Primary APN	`28-1S-28-1657-00B00-0190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,722 sqft Heated Area
Gross Area	2,448 sqft
1st Floor Area	2,122 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	20,038 sqft (0.46 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	326 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	281S28165700B000190
Street Address	734 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 19 BLK B AS DES IN OR 3893 PG 871
Legal Range	28W
Legal Township	01S
Legal Section	28
Legal Subdivision	HARBOUR OAKS
Legal Block	B
Legal Lot Number	19
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	1
Census Block	1055
Census Tract	10710

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	734 MIKE GIBSON LN, MILTON, FL 32583-9571
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2019 · Amount on Record
Deed Sale	Nov 25, 2019 · Amount on Record
Prior Sale	Sep 29, 2014 · Amount on Record
Deed Document Number	201953223
Deed Book / Page	3893 / 0871
Record Updated	Jun 8, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 25, 2019
Property Address	734 MIKE GIBSON LN, MILTON, FL 32583-9571
Document Number	0038930871
Book / Page	3893 / 0871
Map Reference	MB E PG 20
Instrument Date	Nov 6, 2019
Instrument	201953223
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4595 E HIGHWAY 20411, 4595, NICEVILLE, FL 32578

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 MIKE GIBSON LN, MILTON, FL 32583-9571

Mortgage

Document Number	0038930872
Date	Nov 25, 2019
Instrument	3893/0872

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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	$1,706.00 (+14.19%) Homeowner's exemption	$154,656 (+3%)	$197,630 (+2.65%) Land $38,500 Building $159,130
2023	$1,494.00 (+3.11%) Homeowner's exemption	$150,151 (+3%)	$192,531 (+6.86%) Land $35,200 Building $157,331
2022	$1,449.00 Homeowner's exemption	$145,778	$180,174 Land $25,000 Building $155,174

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 74% of the US · above 59% 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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