Santa Rosa County property record for 2897 Summer St, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,526 sqft · built 2021 |
| Lot Size | 0.16 acres (7,013 sqft) |
| Owner | Individual Name on File |
| Last Sale | $257,800 (Sep 2021) |
| Tax Bill | $2,471 (2024) |
| Deeds & Mortgages | Jan 2021 Construction Loan Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-1N-28-0090-47500-0010 |
| Primary APN | 40-1N-28-0090-47500-0010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,526 sqft Heated Area |
| 1st Floor Area | 1,806 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Custom/Decorative |
| 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 |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 401N280090475000010 |
|---|---|
| Street Address | 2897 SUMMER ST |
| City | MILTON |
| State | FL |
| Zip | 32583-6181 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | AVALON BEACH LOT 1 BLK 475 AS DES IN OR 4174 PG 1216 LOTS 2 TO 4 SPLIT OUT FOR 2020 PER SEP REQ 11/20/19 |
| Legal Subdivision | AVALON BEACH |
| Legal Block | 475 |
| Legal Lot Number | 1-4 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | AVALON-MULAT |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 10709 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2897 SUMMER ST, MILTON, FL 32583-6181 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 21, 2021 | Deed of Trust, Mortgage · Construction Mortgage TRUSTMARK NATIONAL BANK |
| Sep 8, 2021 | Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 8, 2021 · Amount on Record |
| Deed Sale | Sep 8, 2021 · Amount on Record |
| Prior Sale | Sep 4, 2018 · Amount on Record |
| Deed Document Number | 202159862 |
| Deed Book / Page | 4174 / 1216 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2897 SUMMER ST, MILTON, FL 32583-6181 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2886 N 32ND AVE, MILTON, FL 32583-6109 |
| Document Number | 0040591397 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 4059/1397 |
| Instrument | 202104108 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | MOBILE, AL 36602 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 21, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 8, 2021 |
| Property Address | 2897 SUMMER ST, MILTON, FL 32583-6181 |
| Document Number | 0041741216 |
| Book / Page | 4174 / 1216 |
| Map Reference | MB A PG 1-10 |
| Instrument Date | Aug 27, 2021 |
| Instrument | 202159862 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | SURETY LAND TITLE/FL LLC, SURETY LAND TITLE OF FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,804.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2886 N 32ND AVE, MILTON, FL 32583-6109 |
| Name | Verified Name |
|---|---|
| Address | 2897 SUMMER ST, MILTON, FL 32583-6181 |
| Document Number | 0041741217 |
|---|---|
| Date | Sep 8, 2021 |
| Instrument | 4174/1217 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $2,471.00 (+2.23%) Homeowner's exemption | $224,757 (+3%) | $234,850 (+2.3%) Land $10,000 Building $224,850 |
| 2023 | $2,417.00 (+2.72%) Homeowner's exemption | $218,211 (+3%) | $229,572 (+8.36%) Land $7,000 Building $222,572 |
| 2022 | $2,353.00 Homeowner's exemption | $211,855 | $211,855 Land $7,000 Building $204,855 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 at the parcel |
Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Communications Cable | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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