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Single Family ResidenceResidential
$298,868$142 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $260,000 on May 10, 2021

4520 RIVER RANCH RD

MILTON, FL 32583
4
Beds
3
Baths
2,112 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.47 ac
Lot SizeThe size of the land the home sits on, from county records.
1973
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$299K
$280K low$317K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$260,000 · May 10, 2021
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$32,888
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$26,310
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.85%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$265,980
BAY EQUITY LLC · recorded May 10, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,797 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$227,170 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$18,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$209,170
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$222,992
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$227,170

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.64
73
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
42
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
84
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
27
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.48 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.68%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySanta Rosa
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2003
Lot (acres)The size of the land the home sits on, from county records.0.47
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Masonry (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.ShedPatio · 1,023 ft²Porch · 119 ft²

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
East Milton Elementary SchoolC
Elementary · Grades PK–5 · 1.6 mi
H
Milton High SchoolC
High · Grades 9–12 · 3.0 mi
M
Martin Luther King Middle SchoolC-
Middle · Grades 6–8 · 4.0 mi

District: Santa Rosa County School District

Neighborhood · ZIP 32583These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.97
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.77
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.24

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.32,370
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.167 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$81,702
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$101,681
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.67 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

4520 River Ranch Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 68% of homes in Santa Rosa County
  • Costs less per square foot than 89% of homes in Santa Rosa County
  • Bigger than 78% of homes in Milton 32583
  • Older than 89% of homes in Santa Rosa County

What homes are worth in Milton 32583

Each bar is how many homes fall in that price range. The marker is this home.

This home
$62K$833K

This home is worth more than 46% of homes in Milton 32583.

How it measures up in Milton 32583

The dot is this home. The mark in the middle is the typical home in Milton 32583.

Estimated value$298,868
CheaperTypical $308,971Pricier

Pricier than 46% of homes nearby

Price per ft²$142
CheaperTypical $181Pricier

Pricier than 16% of homes nearby

Living area2,112 ft²
SmallerTypical 1,624 ft²Bigger

Bigger than 78% of homes nearby

Lot size0.47 ac
SmallerTypical 0.47 acBigger

Bigger than 50% of homes nearby

Year built1973
OlderTypical 2001Newer

Newer than 12% of homes nearby

How 4520 River Ranch Rd ranks against every home in each area.
MeasureThis homeMilton 32583Santa Rosa County
Estimated valuepricier than$298,86846% of homes32% of homes
Price per ft²pricier than$14216% of homes11% of homes
Living areabigger than2,112 ft²78% of homes67% of homes
Lot sizebigger than0.47 ac50% of homes64% of homes
Year builtnewer than197312% of homes11% of homes

About 4520 River Ranch Rd

How much is 4520 River Ranch Rd, Milton, FL worth?

The TopHap Estimate for 4520 River Ranch Rd, Milton, FL is $298,868 as of Jul 14, 2026. The likely range is $280,340 to $317,396. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4520 River Ranch Rd, Milton, FL last sell?

4520 River Ranch Rd, Milton, FL last sold on May 10, 2021 for $260,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 4520 River Ranch Rd, Milton, FL?

4520 River Ranch Rd, Milton, FL has 4 bedrooms, 3 bathrooms, 2,112 square feet of living space and a 0.47-acre lot.

When was 4520 River Ranch Rd, Milton, FL built?

4520 River Ranch Rd, Milton, FL was built in 1973, making it 53 years old. The building has 2 stories.

What schools serve 4520 River Ranch Rd, Milton, FL?

4520 River Ranch Rd, Milton, FL is assigned to East Milton Elementary School (elementary), rated C; Milton High School (high), rated C; Martin Luther King Middle School (middle), rated C-. All sit in Santa Rosa County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4520 River Ranch Rd, Milton, FL compare to other homes in Milton 32583?

Among the 13,909 homes in Milton 32583, it is worth more than 46% of them ($298,868 against a typical $308,971), its price per square foot is higher than 16% of them ($142 against a typical $181), it is bigger than 78% of them (2,112 ft² against a typical 1,624 ft²), its lot is bigger than 50% of them (0.47 ac against a typical 0.47 ac) and it is newer than 12% of them (1973 against a typical 2001). Measured against all of Santa Rosa County, it is worth more than 32% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 4520 River Ranch Rd, Milton, FL?

The 2025 property tax bill for 4520 River Ranch Rd, Milton, FL was $2,797. The county assessed it at $227,170.

More homes on River Ranch Rd

Closest homes

More homes in Milton 32583

Assigned schools

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