1709 Encina Way, Milton, FL 32583 Property Records

Santa Rosa County property record for 1709 Encina Way, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,813 sqft · built 1995
Lot Size	0.839 acres (36,547 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (May 2018)
Tax Bill	$165 (2024)
Deeds & Mortgages	Jan 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-1S-28-1652-00B00-0110`

Property Details

APN / Parcel Number

Primary APN	`19-1S-28-1652-00B00-0110`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,813 sqft Heated Area
Gross Area	4,371 sqft
1st Floor Area	3,297 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	36,547 sqft (0.839 acres)
Lot Dimensions	2,010 ft deep x 1,820 ft wide
Garage Area	484 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	549 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	191S28165200B000110
Street Address	1709 ENCINA WAY
City	MILTON
State	FL
Zip	32583-7446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HAMMOCK DE GALVEZ LOT 11 BLK B AS DES IN OR 3733 PG 861
Legal Range	28W
Legal Township	01S
Legal Section	19
Legal Subdivision	HAMMOCK DE GALVEZ
Legal Block	B
Legal Lot Number	11
Jurisdiction	SANTA ROSA FL
Township / Civil Division	BAGDAD
Census Block Group	1
Census Block	1017
Census Tract	10710

Owner

1709 Encina Way is owned and occupied by an individual who bought it in May 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1709 ENCINA WAY, MILTON, FL 32583-7446
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING
May 31, 2018	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2018 · Amount on File
Deed Sale	May 31, 2018 · Amount on File
Prior Sale	Dec 5, 2007 · Amount on File
Deed Document Number	201822433
Deed Book / Page	3733 / 0861
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1709 ENCINA WAY, MILTON, FL 32583-7446
Document Number	0039122031
Instrument Date	Jan 14, 2020
Transaction Type	Mortgage
Record Updated	Mar 13, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1709 ENCINA WAY MILTON FL 325837446, MILTON, FL 32583-7446

Mortgage

Document Number	0039122031
Date	Jan 27, 2020
Book Page	003912/002031
Instrument	4105

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 26, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 31, 2018
Property Address	1709 ENCINA WAY, MILTON, FL 32583-7446
Document Number	0037330861
Book / Page	3733 / 0861
Map Reference	MB E PG12
Instrument Date	May 24, 2018
Instrument	201822433
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9403 SW 70TH LOOP, 9403, OCALA, FL 34481-7267

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1709 ENCINA WAY, MILTON, FL 32583-7446

Mortgage

Document Number	0201822434
Date	May 31, 2018
Instrument	201822434

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

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	$165.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$250,664 (+3%)	$361,573 (+3.88%) Land $60,000 Building $301,573
2023	$165.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$243,363 (+3%)	$348,058 (+8.58%) Land $50,000 Building $298,058
2022	$165.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$236,275	$320,541 Land $30,000 Building $290,541

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1709 Encina Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1709 Encina Way is moderate, ranking above 64% of the US, with a 0.2% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Encina Way

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