2099 Garcon Point Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 2099 Garcon Point Rd, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,978 sqft · built 2005
Lot Size	9.97 acres (434,293 sqft)
Owner	Individual Name on File
Last Sale	$610,000 (May 2026)
Tax Bill	$3,391 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Oct 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-1S-28-0000-00103-0000`

Property Details

APN / Parcel Number

Primary APN	`14-1S-28-0000-00103-0000`
Alternative APN	`S281140000001030000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,978 sqft Living Area
Gross Area	4,908 sqft
1st Floor Area	1,785 sqft
Upper Floors Area	1,193 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	434,293 sqft (9.97 acres)

Exterior Amenities

Porch	Florida Room
Porch Area	1,268 sqft
Deck Area	16 sqft
Patio Area	322 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2099 GARCON POINT RD
City	MILTON
State	FL
Zip	32583-3322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	COM N LINE SEC & W R/W STATE R D #191 TH S 110'15 W 230.11 FT TO CURVE TH CONT SLY ALONG CURVE R=3769.83 FT FOR 783.88 FT TH S 1306'14 W 1827.38 FT TO POB TH CONT SLY R=7589.49 FT FOR 325.56 FT TH N 8307'28 W 1336.04 FT TH N 1132'18 E 323.84 FT T
Legal Range	28W
Legal Township	1S
Legal Section	14
Legal Lot Number	40
Jurisdiction	SANTA ROSA FL
Township / Civil Division	BAGDAD
Census Block Group	1
Census Block	1021
Census Tract	10710

Owner

2099 Garcon Point Rd is owned and occupied by an individual who bought it in May 2026.

Source: Santa Rosa County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	2099 GARCON POINT RD, MILTON, FL 32583-3322
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
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage MANUFACTURERS BANK AND TRUST COMPANY
Oct 31, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 31, 2025	Personal Representative Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on File
Deed Sale	May 1, 2026 · Amount on File
Prior Sale	Oct 31, 2025 · Amount on File
Deed Document Number	202622120
Deed Book / Page	4739 / 1116
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 1, 2026
Property Address	2099 GARCON POINT RD, MILTON, FL 32583-3322
Document Number	0000022120
Book / Page	4739 / 1116
Instrument Date	Apr 30, 2026
Instrument	202622120
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$431,270.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2099 GARCON POINT RD, MILTON, FL 32583-3322

Mortgage

Document Number	0047391119,
Date	May 1, 2026
Book Page	4739/1119
Instrument	202622121

Lender

Name	MANUFACTURERS BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 31, 2025
Property Address	2099 GARCON POINT RD, MILTON, FL 32583-3322
Document Number	0046750871
Book / Page	4675 / 871
Instrument Date	Oct 31, 2025
Instrument	202551658
Transaction Type	Transfer
Record Updated	Nov 20, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$3,815.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2099 GARCON POINT RD, MILTON, FL 32583-3322

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3858 LANE RD, PACE, FL 32571-9389

October 2025: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 31, 2025
Property Address	2099 GARCON POINT RD, MILTON, FL 32583-3322
Document Number	0046750874
Book / Page	4675 / 874
Instrument Date	Oct 29, 2025
Instrument	202551659
Transaction Type	Transfer
Record Updated	Nov 20, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 WHITEBARK DR, LAFAYETTE, LA 70508-6360

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3858 LANE RD, PACE, FL 32571-9389

Tax Assessment & Valuation

The 2025 property tax bill for 2099 Garcon Point Rd was $3,391, up 3.5% from the year before.

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	$3,391.00 (+3.54%)	$317,851 (+2.01%)	$354,498 (+1.32%) Land $72,135 Building $282,363
2024	$3,275.00 (-17.26%) Homeowner's exemption	$311,583 (-5%)	$349,888 (+6.68%) Land $72,135 Building $277,753
2023	$3,958.00 (+6.6%) Homeowner's exemption	$327,986 (+59.84%) Land $52,899 Building $275,087	$327,986 (+7.97%) Land $52,899 Building $275,087
2022	$3,713.00 Homeowner's exemption	$205,200	$303,778 Land $28,150 Building $275,628

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2099 Garcon Point Rd in Zone X, an area of minimal flood risk, though there have been 153 flood claims nearby since 2004.

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 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 2099 Garcon Point Rd is high, ranking above 83% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 83% of the US · above 74% of Florida
Wildfire Likelihood	0.4% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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