2878 Summer St, Milton, FL 32583 Property Records

Santa Rosa County property record for 2878 Summer St, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1962
Lot Size	0.321 acres (13,983 sqft)
Owner	Individual Name on File
Last Sale	$229,900 (Aug 2025)
Tax Bill	$918 (2024)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Aug 2024 Sale + 2 more
Flood Zone	Zone X (moderate risk)
APN	`40-1N-28-0090-47600-0170`

Property Details

APN / Parcel Number

Primary APN	`40-1N-28-0090-47600-0170`
Alternative APN	`N281400090476000170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Flooring	Parquet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Wood
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	13,983 sqft (0.321 acres)
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	2878 SUMMER ST
City	MILTON
State	FL
Zip	32583-6180
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LTS 17 & 18 BLK 476 PART A AVALON BEACH AS DES IN OR 4644 PG 760
Legal Range	28W
Legal Township	1N
Legal Section	40
Legal Subdivision	AVALON BEACH
Legal Block	476
Legal Lot Number	17
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	2
Census Block	2037
Census Tract	10709

Owner

2878 Summer St is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	2878 SUMMER ST, MILTON, FL 32583-6180
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
Aug 4, 2025	Warranty Deed, Transfer · FHA Mortgage DIRECT MORTGAGE CORP
Aug 6, 2024	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 15, 2023	Intrafamily Transfer, Transfer
May 16, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2025 · Amount on File
Deed Sale	Aug 4, 2025 · Amount on File
Prior Sale	Aug 6, 2024 · Amount on File
Deed Document Number	202535805
Deed Book / Page	4644 / 760
Prior Transfer Date	May 13, 2022
Prior Transfer Doc	0042841091
Record Updated	Jun 8, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 4, 2025
Property Address	2878 SUMMER ST, MILTON, FL 32583-6180
Document Number	0046440760
Book / Page	4644 / 760
Map Reference	MB A PG 1-10
Instrument Date	Jul 21, 2025
Instrument	202535805
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ABSOLUTE TITLE/FLORIDA, ABSOLUTE TITLE OF FLORIDA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,609.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8265 SPICEWOOD RD, PENSACOLA, FL 32526-9103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2878 SUMMER ST, MILTON, FL 32583-6180

Mortgage

Document Number	0004644761
Date	Aug 4, 2025
Instrument	4644/761

Lender

Name	DIRECT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 6, 2024
Property Address	2878 SUMMER ST, MILTON, FL 32583-6180
Document Number	0045291518
Book / Page	4529 / 1518
Map Reference	MB A PG 1-10
Instrument Date	Aug 4, 2024
Instrument	202435375
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$707.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5836 VESTAVIA LN, PENSACOLA, FL 32526-1761

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8265 SPICEWOOD RD, PENSACOLA, FL 32526-9103

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 15, 2023
Property Address	2878 SUMMER ST, MILTON, FL 32583-6180
Document Number	0044250050
Book / Page	4425 / 50
Map Reference	MB A PG 1-10
Instrument Date	Aug 14, 2023
Instrument	202337017
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6413 RED HERON CT, GULF BREEZE, FL 32563-7037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5836 VESTAVIA LN, PENSACOLA, FL 32526-1761

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	May 16, 2022
Property Address	2878 SUMMER ST, MILTON, FL 32583-6180
Document Number	0042841091
Book / Page	4284 / 1091
Map Reference	MB A PG 1-10
Instrument Date	May 13, 2022
Instrument	202229687
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6982 PINE FOREST ROAD APT 329, 329, PENSACOLA, FL 32526-6901

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6982 PINE FOREST RD APT 329, 329, PENSACOLA, FL 32526-6901

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		$83,089 (+41.45%) Land $20,000 Building $63,089	$83,089 (+41.45%) Land $20,000 Building $63,089
2024	$918.00 (+53.26%)	$58,741 (+32.92%) Land $20,000 Building $38,741	$58,741 (+32.92%) Land $20,000 Building $38,741
2023	$599.00 Homeowner's exemption	$44,192 (+206.44%) Land $14,000 Building $30,192	$44,192 (+29.06%) Land $14,000 Building $30,192
2022	Homeowner's exemption	$14,421	$34,242 Land $14,000 Building $20,242

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 2878 Summer St in Zone X, an area of moderate flood risk, though there have been 6 flood claims nearby since 2017.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 56 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	56 in force
Nearby Flood Claims	6 (2017–2023)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Feb 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 4 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 2878 Summer St is high, ranking above 81% 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 81% of the US · above 71% 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	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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	2,000 / 1,000

May also be available: T-Mobile, Verizon.

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