2609 San Clemente Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 2609 San Clemente Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,232 sqft · built 1995
Lot Size	0.77 acres (33,541 sqft)
Owner	Individual Name on File
Tax Bill	$6,116 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone VE (high risk)
APN	`40-1N-28-2560-00E00-4210`

Property Details

APN / Parcel Number

Primary APN	`40-1N-28-2560-00E00-4210`
Alternative APN	`N28140256000E004210`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,232 sqft Living Area
Gross Area	6,072 sqft
1st Floor Area	3,232 sqft
Upper Floors Area	1,920 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	33,541 sqft (0.77 acres)
Lot Dimensions	115 ft deep x 292 ft wide
View / Lot	Bay
Garage Type	Attached
Garage Area	608 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	2,232 sqft
Deck Area	28 sqft
Gazebo	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2609 SAN CLEMENTE DR
City	MILTON
State	FL
Zip	32583-9538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MONTEREY SHORES LOTS 421-423 BLK E AS DES IN OR 3788 PG 277 & AS DES IN OR 3904 PG 1630
Legal Range	28W
Legal Township	1N
Legal Section	40
Legal Subdivision	MONTEREY SHORES
Legal Block	E
Legal Lot Number	421
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	1
Census Block	1037
Census Tract	10710

Owner

2609 San Clemente Dr is owned by an individual who acquired it in December 2019.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	2211 INDA AVE, PENSACOLA, FL 32526-8815
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
Mar 17, 2021	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Dec 31, 2019	Quit Claim Deed, Transfer · VA Mortgage QUICKEN LNS
Dec 6, 2018	Warranty Deed, Transfer · VA Mortgage WEBER STATE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2019
Deed Sale	Dec 31, 2019
Prior Sale	Dec 6, 2018 · Amount on File
Deed Document Number	201958744
Deed Book / Page	3904 / 1630
Prior Transfer Date	Dec 13, 2019
Prior Transfer Doc	0039041630
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2609 SAN CLEMENTE DR, MILTON, FL 32583-9538
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2609 SAN CLEMENTE DR, MILTON, FL 32583-9538

Mortgage

Document Number	0040880941
Date	Mar 17, 2021
Book Page	4088/941
Instrument	202117543

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	179 Months
Due	Feb 9, 2036

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 31, 2019
Property Address	2609 SAN CLEMENTE DR, MILTON, FL 32583-9538
Document Number	0039041630
Book / Page	003904 / 001630
Instrument Date	Dec 13, 2019
Instrument	58744
Transaction Type	Transfer
Record Updated	Mar 5, 2020
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2609 SAN CLEMENTE DR MILTON FL 325839538, MILTON, FL 32583-9538

Mortgage

Document Number	39041636
Date	Dec 31, 2019
Book Page	003904/001636
Instrument	58745

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 6, 2018
Property Address	2609 SAN CLEMENTE DR, MILTON, FL 32583-9538
Document Number	0037880277
Book / Page	3788 / 0277
Map Reference	MB B PG 99-103
Instrument Date	Dec 5, 2018
Instrument	201851764
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	PARTNERSHIP TITLE CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5795 AVENIDA REAL, 5795, PENSACOLA, FL 32504-8508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2609 SAN CLEMENTE DR, MILTON, FL 32583-9538

Mortgage

Document Number	0201851765
Date	Dec 6, 2018
Instrument	201851765

Lender

Name	WEBER STATE FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

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		$477,445 (+4.92%) Land $117,630 Building $359,815	$477,445 (+4.92%) Land $117,630 Building $359,815
2024	$6,116.00 (+0.58%)	$455,041 (+1.49%) Land $105,030 Building $350,011	$455,041 (+1.49%) Land $105,030 Building $350,011
2023	$6,081.00 (+30.47%) Homeowner's exemption	$448,351 (+17.81%) Land $105,030 Building $343,321	$448,351 (+2.24%) Land $105,030 Building $343,321
2022	$4,661.00 Homeowner's exemption	$380,566	$438,512 Land $105,030 Building $333,482

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

Flood

FEMA maps place 2609 San Clemente Dr in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
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 2609 San Clemente Dr is high, ranking above 72% 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	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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	PACE WATER SYSTEM, INC. private · serves 49,328 people · EPA ID FL1570671
Water Source	Groundwater
Last State Inspection	Jun 2024
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	1 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T.

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