2909 Summer St, Milton, FL 32583 Property Records

Santa Rosa County property record for 2909 Summer St, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,704 sqft · built 2022
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$307,300 (Dec 2021)
Tax Bill	$3,195 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-1N-28-0090-52600-0120`

Property Details

APN / Parcel Number

Primary APN	`40-1N-28-0090-52600-0120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,704 sqft Heated Area
1st Floor Area	1,984 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	1,400 ft deep x 500 ft wide
Porch	Open Porch
Porch Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	401N280090526000120
Street Address	2909 SUMMER ST
City	MILTON
State	FL
Zip	32583-6184
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DESCRIPTION UPDATE FOR 2022 AVALON BEACH LOT 12 BLK 526 BEING PART OF OR 4227 PG 1774
Legal Subdivision	AVALON BEACH
Legal Block	526
Legal Lot Number	12
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	2
Census Block	2040
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
Mailing Address	2909 SUMMER ST, MILTON, FL 32583-6184
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Deed Document Number	202186088
Deed Book / Page	4227 / 1774
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 30, 2021
Property Address	2909 SUMMER ST, MILTON, FL 32583-6184
Document Number	0042271774
Book / Page	4227 / 1774
Map Reference	MB A PG 1-10
Instrument Date	Dec 20, 2021
Instrument	202186088
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
Loan-to-Value (LTV)	LTV on Record
Tax	$2,151.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2886 N 32ND AVE, MILTON, FL 32583-6109

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2909 SUMMER ST, MILTON, FL 32583-6184

Mortgage

Document Number	0042271775
Date	Dec 30, 2021
Instrument	4227/1775

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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	$3,195.00 (-1.81%)	$247,162 (+3.02%) Land $10,000 Building $237,162	$247,162 (+3.02%) Land $10,000 Building $237,162
2023	$3,254.00 (+3,325.26%)	$239,928 (+3,327.54%) Land $7,000 Building $232,928	$239,928 (+3,327.54%) Land $7,000 Building $232,928
2022	$95.00	$7,000	$7,000 Land $7,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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.

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 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