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636 Phelps Rd, Milton, FL 32570 Property Records

Santa Rosa County property record for 636 Phelps Rd, Milton, FL 32570

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,776 sqft · built 1991
Lot Size5.23 acres (227,819 sqft)
OwnerIndividual Name on File
Last Sale$319,000 (Feb 2023)
Tax Bill$3,472 (2024)
Deeds & MortgagesFeb 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN12-3N-28-0000-00704-0000

Property Details

APN / Parcel Number

Primary APN12-3N-28-0000-00704-0000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,776 sqft Heated Area
Gross Area4,131 sqft
1st Floor Area3,865 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Foundation TypeMasonry
Roof MaterialShingle
Lot Area227,819 sqft (5.23 acres)
Garage TypeMixed
Garage Area1,089 sqft
CarportCarport
Carport Area1 sqft
Parking Spaces4 Parking Spaces

Exterior Amenities

PorchFinished/Screened Porch
Porch Area266 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number123N280000007040000
Street Address636 PHELPS RD
CityMILTON
StateFL
Zip32570-9724
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-RR
Legal DescriptionN2 OF SW4 OF NE4 OF SW4 & N 15 FT OF S2 OF SW4 OF NE4 OF SW4 AS DES IN OR 4368 PG 1358 LESS RD R/W
Legal Range28W
Legal Township03N
Legal Section12
JurisdictionSANTA ROSA FL
Township / Civil DivisionMUNSON
Census Block Group2
Census Block2101
Census Tract10100

Owner

636 Phelps Rd is owned and occupied by an individual who bought it in February 2023.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address636 PHELPS RD, MILTON, FL 32570-9724
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 22, 2023 · Amount on File
Deed SaleFeb 22, 2023 · Amount on File
Prior SaleJul 7, 2015 · Amount on File
Deed Document Number202307193
Deed Book / Page4368 / 1358
Record UpdatedJun 8, 2026

February 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateFeb 22, 2023
Property Address636 PHELPS RD, MILTON, FL 32570-9724
Document Number0043681358
Book / Page4368 / 1358
Instrument DateFeb 15, 2023
Instrument202307193
Transaction TypeTransfer
Record UpdatedMar 20, 2023
Title CompanyCLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,233.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address22 MALLARD LN, JERSEY SHORE, PA 17740-6926

Transferred To (Grantee/Buyer)

NameVerified Name
Address636 PHELPS RD, MILTON, FL 32570-9724

Mortgage

Document Number0043681360
DateFeb 22, 2023
Instrument4368/1360
Lender
NameHOMESTAR FINANCIAL CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2024$3,472.00 (+163.83%)$290,738 (+103.62%) Land $48,116 Building $242,622$290,738 (+1.02%) Land $48,116 Building $242,622
2023$1,316.00 (-1.72%) Homeowner's exemption$142,785 (+3%)$287,813 (+42.51%) Land $48,116 Building $239,697
2022$1,339.00 Homeowner's exemption$138,626$201,963 Land $41,840 Building $160,123

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 636 Phelps Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1983.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims3 (1983–2020)
Claims Outside the SFHA2 of 3
Most Recent ClaimSep 2020 · Hurricane Sally

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

Wildfire risk around 636 Phelps Rd is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire RiskModerate
above 60% of the US · lower than 66% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemBERRYDALE WATER SYSTEM
serves 2,800 people · EPA ID FL1570064
Water SourceGroundwater
Last State InspectionJul 2024
Lead2 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 4 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Conexon Connect
Fiber		2,000 / 2,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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