8976 Trail Ridge Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 8976 Trail Ridge Rd, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,734 sqft · built 2022
Lot Size	0.284 acres (12,371 sqft)
Owner	2 Individual Names on Record
Last Sale	$434,000 (Mar 2023)
Tax Bill	$3,927 (2024)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-1N-27-6195-00A00-0010`

Property Details

APN / Parcel Number

Primary APN	`21-1N-27-6195-00A00-0010`
Alternative APN	`N27121619500A000010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,734 sqft Living Area
Gross Area	3,643 sqft
1st Floor Area	2,734 sqft
Flooring	Wood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	12,371 sqft (0.284 acres)
Lot Dimensions	151 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	403 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8976 TRAIL RIDGE RD
City	MILTON
State	FL
Zip	32583-2484
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	YELLOW RIVER RANCH PHASE 1 LOT 1 BLK A AS DES IN OR 4379 PG 568
Legal Range	27W
Legal Township	1N
Legal Section	21
Legal Subdivision	YELLOW RIVER RANCH I
Legal Block	A
Legal Lot Number	1
Jurisdiction	SANTA ROSA FL
Township / Civil Division	EAST MILTON
Census Block Group	4
Census Block	4004
Census Tract	10809

Owner

Source: Santa Rosa County records, as of May 21, 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	8976 TRAIL RIDGE RD, MILTON, FL 32583-2484
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage GMFS LLC
Feb 1, 2023	Deed of Trust, Mortgage · Line of Credit THE FIRST A NATIONAL BANKING ASSN
Mar 28, 2023	Warranty Deed, Transfer · VA Mortgage NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2023 · Amount on Record
Deed Sale	Mar 28, 2023 · Amount on Record
Prior Sale	Feb 2, 2022 · Amount on Record
Deed Document Number	202312891
Deed Book / Page	4379 / 568
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	8976 TRAIL RIDGE RD, MILTON, FL 32583-2484
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9095 AIRWAY DR 1432, 1432, PENSACOLA, FL 32514-3366

Mortgage

Document Number	0042401123
Date	Feb 2, 2022
Book Page	4240/1123
Instrument	202206065

Lender

Name	GMFS LLC
Type	Subprime Lender
Address	BATON ROUGE, LA 70806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2037

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	8976 TRAIL RIDGE RD, MILTON, FL 32583-2484
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8976 TRAIL RIDGE RD, MILTON, FL 32583-2484

Mortgage

Document Number	0043631401
Date	Feb 1, 2023
Book Page	4363/1401
Instrument	202304189

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank
Address	MILTON, FL 32571

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 28, 2023
Property Address	8976 TRAIL RIDGE RD, MILTON, FL 32583-2484
Document Number	0043790568
Book / Page	4379 / 568
Map Reference	MB 13 PG 10
Instrument Date	Mar 27, 2023
Instrument	202312891
Transaction Type	Transfer
Record Updated	May 9, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,038.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8976 TRAIL RIDGE RD, MILTON, FL 32583-2484

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 HEATHER BROOK CIR, SPRING LAKE, NC 28390-9288

Mortgage

Document Number	0004379570
Date	Mar 28, 2023
Instrument	4379/570

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

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

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		$374,423 (+1.49%) Land $40,000 Building $334,423	$374,423 (+1.49%) Land $40,000 Building $334,423
2024	$3,927.00 (-1.58%) Homeowner's exemption	$368,925 (-0.03%) Land $40,000 Building $328,925	$368,925 (-0.03%) Land $40,000 Building $328,925
2023	$3,990.00 (+773.09%)	$369,034 (+871.14%) Land $40,000 Building $329,034	$369,034 (+871.14%) Land $40,000 Building $329,034
2022	$457.00	$38,000	$38,000 Land $38,000

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 145 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	145 in force
Nearby Flood Claims	50 (1995–2023)
Claims Outside the SFHA	1 of 50
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 42 claims Hurricane Frances, Sep 2004 · 5 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	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% 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	EAST MILTON WATER SYSTEM public/private · serves 17,292 people · EPA ID FL1570232
Water Source	Groundwater
Last State Inspection	Feb 2023
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 103 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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