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2645 San Clemente Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 2645 San Clemente Dr, Milton, FL 32583

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,536 sqft · built 2002
Lot Size0.298 acres (12,981 sqft)
OwnerIndividual Name on File
Last Sale$374,900 (Sep 2022)
Tax Bill$2,552 (2024)
Deeds & MortgagesSep 2022 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN40-1N-28-2560-00E00-4130

Property Details

APN / Parcel Number

Primary APN40-1N-28-2560-00E00-4130

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,536 sqft Heated Area
Gross Area2,072 sqft
1st Floor Area1,536 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Exterior MaterialVinyl
Construction TypeWood
Foundation TypeMasonry
Roof MaterialShingle
Lot Area12,981 sqft (0.298 acres)
Lot Dimensions1,300 ft deep x 1,000 ft wide
PorchOpen Porch
Porch Area216 sqft
Deck Area320 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number401N28256000E004130
Street Address2645 SAN CLEMENTE DR
CityMILTON
StateFL
Zip32583-9538
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionMONTEREY SHORES LOT 413 BLK E AS DES IN OR 4324 PG 850
Legal Range28W
Legal Township01N
Legal Section40
Legal SubdivisionMONTEREY SHORES
Legal BlockE
Legal Lot Number413
JurisdictionSANTA ROSA FL
Township / Civil DivisionAVALON-MULAT
Census Block Group1
Census Block1037
Census Tract10710

Owner

2645 San Clemente Dr is owned and occupied by an individual who bought it in September 2022.

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

Owner of RecordIndividual Name on File
Mailing Address2645 SAN CLEMENTE DR, MILTON, FL 32583-9538
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 8, 2022 · Amount on File
Deed SaleSep 8, 2022 · Amount on File
Prior SaleNov 29, 2001 · Amount on File
Deed Document Number202252098
Deed Book / Page4324 / 850
Record UpdatedJun 8, 2026

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 8, 2022
Property Address2645 SAN CLEMENTE DR, MILTON, FL 32583-9538
Document Number0043240850
Book / Page4324 / 850
Map ReferenceMB B PG 99-103
Instrument DateSep 2, 2022
Instrument202252098
Transaction TypeTransfer
Record UpdatedOct 14, 2022
Title CompanyRELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,624.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1248 NE 99TH ST, 1248, MIAMI SHORES, FL 33138-2643

Transferred To (Grantee/Buyer)

NameVerified Name
Address2645 SAN CLEMENTE DR, MILTON, FL 32583-9538

Mortgage

Document Number0004324852
DateSep 8, 2022
Instrument4324/852
Lender
NameCALCON MUTUAL MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2052

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2024$2,552.00 (-5.27%)$200,327 (+0.86%) Land $50,000 Building $150,327$200,327 (+0.86%) Land $50,000 Building $150,327
2023$2,694.00 (+7.5%)$198,613 (+5.82%) Land $50,000 Building $148,613$198,613 (+5.82%) Land $50,000 Building $148,613
2022$2,506.00$187,685$187,685 Land $50,000 Building $137,685

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

Flood

FEMA maps place 2645 San Clemente Dr in Zone AE, a high-risk 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 469 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies469 in force
Nearby Flood Claims153 (2004–2022)
Claims Outside the SFHA14 of 153
Most Recent ClaimFeb 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 2645 San Clemente Dr is high, ranking above 82% 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 RiskHigh
above 82% of the US · above 72% of Florida
Wildfire Likelihood0.4% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemPACE WATER SYSTEM, INC.
private · serves 49,328 people · EPA ID FL1570671
Water SourceGroundwater
Last State InspectionJun 2024
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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