288 S Garcon Point Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 288 S Garcon Point Rd, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,241 sqft · built 1995
Lot Size	1.74 acres (75,794 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,951 (2024)
Deeds & Mortgages	Nov 2023 Transfer Feb 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`03-2S-28-0000-00810-0000`

Property Details

APN / Parcel Number

Primary APN	`03-2S-28-0000-00810-0000`
Alternative APN	`S282030000008100000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,241 sqft Living Area
Gross Area	3,239 sqft
1st Floor Area	2,241 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	75,794 sqft (1.74 acres)
Lot Dimensions	412 ft deep x 184 ft wide
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	340 sqft
Patio Area	242 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	288 S GARCON POINT RD
City	MILTON
State	FL
Zip	32583-7356
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	UPDATED 2024 03-2S-28W: COMM NE SEC COR, THN S003800E ALNG E SEC LN 1433.7FT, THN W 4235FT, THN S184500W 1400.9FT TO POB, THN CONT 300FT, THN N874100W 192.91FT, THN N890310W 193.48FT TO E R/W SR 191-S, THN N00*2530E ALNG R/W 183.71FT, THN N34
Legal Range	28W
Legal Township	2S
Legal Section	03
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	1
Census Block	1034
Census Tract	10710

Owner

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

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	288 S GARCON POINT RD, MILTON, FL 32583-7356
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 16, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Feb 24, 2020	Deed of Trust, Mortgage · VA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 21, 2023
Transfer Doc	0044531999
Record Updated	Jun 8, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 28, 2023
Property Address	288 S GARCON POINT RD, MILTON, FL 32583-7356
Document Number	0044531999
Book / Page	4453 / 1999
Instrument Date	Nov 21, 2023
Instrument	202352766
Transaction Type	Transfer
Record Updated	Jan 1, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	288 S GARCON POINT RD, MILTON, FL 32583-7356

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	288 S GARCON POINT RD, MILTON, FL 32583-7356

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	288 S GARCON POINT RD, MILTON, FL 32583-7356
Transaction Type	Mortgage
Record Updated	Apr 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	288 S GARCON POINT RD, MILTON, FL 32583-7356

Mortgage

Document Number	0040710970
Date	Feb 16, 2021
Book Page	4071/970
Instrument	202109602

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	288 S GARCON POINT RD, MILTON, FL 32583-7356
Document Number	0039380493
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Estate
Address	288 S GARCON POINT RD MILTON FL 325837356, MILTON, FL 32583-7356

Mortgage

Document Number	0039380493
Date	Apr 13, 2020
Book Page	003938/000493
Instrument	17323

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2050

Interest

Rate Type	Adjustable Rate

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		$183,983 (+2.9%)	$271,082 (+1.7%) Land $42,000 Building $229,082
2024	$1,951.00 (+16.41%) Homeowner's exemption Disabled Person's exemption	$178,798 (+3%)	$266,550 (+3.33%) Land $42,000 Building $224,550
2023	$1,676.00 (-0.95%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$173,590 (+3%)	$257,948 (+3.97%) Land $36,000 Building $221,948
2022	$1,692.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$168,534	$248,099 Land $26,400 Building $221,699

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
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 71% of the US · above 54% of Florida
Wildfire Likelihood	0.2% 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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