2738 Garcon Point Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 2738 Garcon Point Rd, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,808 sqft · built 1982
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Aug 2025)
Tax Bill	$2,703 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-1S-28-0000-00401-0000`

Property Details

APN / Parcel Number

Primary APN	`02-1S-28-0000-00401-0000`
Alternative APN	`S281020000004010000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	2 Rooms
Stories	2 Stories
Building Area	4,808 sqft Living Area
Gross Area	6,952 sqft
1st Floor Area	4,298 sqft
Upper Floors Area	510 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	680 sqft
Deck Area	192 sqft
Patio Area	624 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2738 GARCON POINT RD
City	MILTON
State	FL
Zip	32583-3311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	DESCRIPTION UPDATE FOR 2025 COM AT NE COR OF SE4 02 1S 28W; THN S003610W 61.50 FT; THN N874605W 535.85 FT; THN S305444 W ON R/W 718.46 FT TO CURV (R= 2241.72 FT CHB=S302236W) GO 41.30 FT TO POB; THN S580510 E 656.65 FT; THN S183232W 247.79 FT
Legal Range	28W
Legal Township	1S
Legal Section	02
Jurisdiction	SANTA ROSA FL
Township / Civil Division	BAGDAD
Census Block Group	1
Census Block	1017
Census Tract	10710

Owner

Source: Santa Rosa County records, as of April 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2738 GARCON POINT RD, MILTON, FL 32583-3311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2025	Warranty Deed, Transfer · Conventional Mortgage EGLIN FCU
Jan 3, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUN TRUST BANK
Jan 27, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2025 · Amount on Record
Deed Sale	Aug 12, 2025 · Amount on Record
Prior Sale	Sep 6, 2016 · Amount on Record
Deed Document Number	202537152
Deed Book / Page	4646 / 1939
Prior Transfer Date	Feb 18, 2024
Prior Transfer Doc	0045331228
Record Updated	Oct 29, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 12, 2025
Property Address	2738 GARCON POINT RD, MILTON, FL 32583-3311
Document Number	0046461939
Book / Page	4646 / 1939
Instrument Date	Aug 4, 2025
Instrument	202537152
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	SURETY LAND TITLE/FL LLC, SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6490 JESSE ALLEN RD, MILTON, FL 32570-8512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2738 GARCON POINT RD, MILTON, FL 32583-3311

Mortgage

Document Number	0046461941
Date	Aug 12, 2025
Instrument	4646/1941

Lender

Name	EGLIN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2738 GARCON POINT RD, MILTON, FL 32583-3311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036920757
Date	Jan 3, 2018
Book Page	3692/0757
Instrument	201800359

Lender

Name	SUN TRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 27, 2020
Property Address	2738 GARCON POINT RD, MILTON, FL 32583-3311
Document Number	0039121935
Book / Page	003912 / 001935
Instrument Date	Jan 24, 2020
Instrument	4086
Transaction Type	Transfer
Record Updated	Mar 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$81.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2738 GARCON POINT RD MILTON FL 325833311, MILTON, FL 32583-3311

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	$2,703.00 (+6%)	$245,115 (+2.9%)	$345,706 (+22.11%) Land $54,000 Building $291,706
2024	$2,550.00 (+1.72%) Homeowner's exemption	$238,207 (+3%)	$283,101 (+0.44%) Land $54,000 Building $229,101
2023	$2,507.00 (+2.24%) Homeowner's exemption	$231,269 (+3%)	$281,856 (+7.44%) Land $54,000 Building $227,856
2022	$2,452.00 Homeowner's exemption	$224,533	$262,334 Land $36,000 Building $226,334

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

Flood

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 Record 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

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

Wildfire Risk	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.4% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL	50 / 10

May also be available: T-Mobile.

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