2895 Summer St, Milton, FL 32583 Property Records

Santa Rosa County property record for 2895 Summer St, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,496 sqft · built 2021
Lot Size	0.16 acres (7,013 sqft)
Owner	Individual Name on Record
Last Sale	$234,000 (Jul 2021)
Tax Bill	$2,960 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-1N-28-0090-47500-0020`

Property Details

APN / Parcel Number

Primary APN	`40-1N-28-0090-47500-0020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,496 sqft Heated Area
1st Floor Area	1,776 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	7,013 sqft (0.16 acres)
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	436 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	401N280090475000020
Street Address	2895 SUMMER ST
City	MILTON
State	FL
Zip	32583-6181
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NEW PARCEL FOR 2020 AVALON BEACH LOT 2 BLK 475 AS DES IN 4146 PG 428 (SEP FRM LOT 1 PER SEP REQ DTD 11/20/19)
Legal Range	28W
Legal Township	01N
Legal Section	40
Legal Subdivision	AVALON BEACH
Legal Block	475
Legal Lot Number	1-2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	2
Census Block	2037
Census Tract	10709

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2895 SUMMER ST, MILTON, FL 32583-6181
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2021 · Amount on Record
Deed Sale	Jul 9, 2021 · Amount on Record
Deed Document Number	0004146428
Deed Book / Page	4146 / 428
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 9, 2021
Property Address	2895 SUMMER ST, MILTON, FL 32583-6181
Document Number	0041460428
Book / Page	4146 / 428
Map Reference	MB A PG 1-10
Instrument Date	Jul 7, 2021
Instrument	202146140
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	$1,638.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	N 32ND AVE, MILTON, FL 32583

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	SUMMER ST, MILTON, FL 32583

Mortgage

Document Number	0004146430
Date	Jul 9, 2021
Instrument	4146/430

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2046

Tax Assessment & Valuation

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

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
2024	$2,960.00 (-2.89%)	$230,003 (+2.33%) Land $10,000 Building $220,003	$230,003 (+2.33%) Land $10,000 Building $220,003
2023	$3,048.00 (+7.4%)	$224,773 (+8.36%) Land $7,000 Building $217,773	$224,773 (+8.36%) Land $7,000 Building $217,773
2022	$2,838.00	$207,438	$207,438 Land $7,000 Building $200,438

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	High above 76% of the US · above 63% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20