3003 N 20th Ave, Milton, FL 32583 Property Records

Santa Rosa County property record for 3003 N 20th Ave, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,779 sqft · built 1996
Lot Size	0.643 acres (28,009 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,842 (2024)
Deeds & Mortgages	Mar 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`40-1N-28-0090-65100-0120`

Property Details

APN / Parcel Number

Primary APN	`40-1N-28-0090-65100-0120`
Alternative APN	`N281400090651000120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,779 sqft Living Area
Gross Area	2,411 sqft
1st Floor Area	1,779 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	28,009 sqft (0.643 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	196 sqft
Patio Area	100 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3003 N 20TH AVE
City	MILTON
State	FL
Zip	32583-5927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DESCRIPTION UPDATED FOR 2020 AVALON BEACH LOTS 9-12 BLK 651 AS DES IN OR 1512 PG 603 & OR 1525 PG 1246 & OR 3690 PG 244 (LESS LOT 9 PER SEP REQ DTD 5/1/2020) & OR 4607 PG 1536 & RECOMBINED PER OR 4607 PG 1538
Legal Range	28W
Legal Township	1N
Legal Section	40
Legal Subdivision	AVALON BEACH
Legal Block	651
Legal Lot Number	12
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	3
Census Block	3036
Census Tract	10709

Owner

Source: Santa Rosa County records · APN 40-1N-28-0090-65100-0120

Assessment roll updated December 8, 2025 · Last verified April 2026

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 File
Mailing Address	7000 KLONDIKE RD, PENSACOLA, FL 32526-8556
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Apr 21, 2025
Transfer Doc	0046071536
Record Updated	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3003 N 20TH AVE, MILTON, FL 32583-5927
Transaction Type	Mortgage
Record Updated	Mar 07, 2023
Title Company	EMERALD COAST TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3003 N 20TH AVE, MILTON, FL 32583-5927

Mortgage

Document Number	0040910326
Date	Mar 23, 2021
Book Page	4091/326
Instrument	202118804

Lender

Name	WHITNEY BANK
Type	Bank
Address	PENSACOLA, FL 32504

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$227,201 (+4.1%) Land $35,500 Building $191,701	$227,201 (+4.1%) Land $35,500 Building $191,701
2024	$2,842.00 (+183.35%)	$218,249 (+91.5%) Land $25,500 Building $192,749	$218,249 (+4.74%) Land $25,500 Building $192,749
2023	$1,003.00 (+3.62%) Homeowner's exemption	$113,967 (+3%)	$208,373 (+5.01%) Land $17,850 Building $190,523
2022	$968.00 Homeowner's exemption	$110,648	$198,436 Land $17,850 Building $180,586

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 199 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	199 in force
Nearby Flood Claims	56 (1995–2020)
Claims Outside the SFHA	1 of 56
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 37 claims Hurricane Frances, Sep 2004 · 13 claims

Wildfire

Wildfire Risk	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 111 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	PACE WATER SYSTEM, INC. private · serves 49,328 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.