Santa Rosa County property record for 6401 Kembro Rd, Milton, FL 32570
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,653 sqft · built 1969 |
| Lot Size | 1.44 acres (62,726 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,000 (Jun 2018) |
| Tax Bill | $1,053 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Apr 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-2N-28-0000-00300-0000 |
| Primary APN | 20-2N-28-0000-00300-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,653 sqft Living Area |
| Gross Area | 2,306 sqft |
| 1st Floor Area | 1,653 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 62,726 sqft (1.44 acres) |
| Garage Type | Carport |
| Garage Area | 759 sqft |
| Carport | Carport |
| Carport Area | 759 sqft |
| Porch | Screened Porch |
| Porch Area | 565 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 6401 KEMBRO RD |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32570-6577 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR1 |
| Legal Description | *PORT OF PROP LYING IN SEC 20* BEG SE CORN OF NE4 SEC 20 THN N88*07'49W 336 FT THN N2*53' 07W 76.33 FT THN N18*48'35W 39.56 FT THN N23*08'43W 57.27 FT THN S88*07'49E 383.59 FT TO E LN OF SEC 20 THN CONT 63. 05 FT TO W R/W KEMBRO RD THN S2*0'53W 164.2 |
| Legal Range | 28W |
| Legal Township | 2N |
| Legal Section | 20 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | SKYLINE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 10506 |
Source: Santa Rosa County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6401 KEMBRO RD, MILTON, FL 32570-6577 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PEN AIR FCU |
| Apr 22, 2019 | Deed of Trust, Mortgage · Line of Credit PEN AIR FEDERAL CU |
| Jun 19, 2018 | Warranty Deed, Transfer CLEAR TITLE/NW FL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2018 · Amount on Record |
| Deed Sale | Jun 19, 2018 · Amount on Record |
| Prior Sale | Feb 1, 2016 · Amount on Record |
| Deed Document Number | 201825607 |
| Deed Book / Page | 3739 / 659 |
| Last Transfer Date | Aug 23, 2021 |
| Transfer Doc | 0000056553 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 6401 KEMBRO RD, MILTON, FL 32570-6577 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 6401 KEMBRO RD, MILTON, FL 32570-6577 |
| Document Number | 0042051829 |
|---|---|
| Date | Nov 9, 2021 |
| Book Page | 4205/1829 |
| Instrument | 202175178 |
| Name | PEN AIR FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32504 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 6401 KEMBRO RD, MILTON, FL 32570-6577 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0038211157 |
|---|---|
| Date | Apr 22, 2019 |
| Book Page | 3821/1157 |
| Instrument | 201915731 |
| Name | PEN AIR FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | FORT WASHAKIE, WY 82514 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 21, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 19, 2018 |
| Property Address | 6401 KEMBRO RD, MILTON, FL 32570-6577 |
| Document Number | 0037390659 |
| Book / Page | 003739 / 000659 |
| Instrument Date | Jun 15, 2018 |
| Instrument | 25607 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2018 |
| Title Company | CLEAR TITLE/NW FL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,400.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6401 KEMBRO RD MILTON FL 325706577, MILTON, FL 32570-6577 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| 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 |
|---|---|---|---|
| 2025 | $1,053.00 (+6.8%) Homeowner's exemption Veteran's exemption | $123,721 (+2.9%) | $210,448 (+2.84%) Land $51,840 Building $158,608 |
| 2024 | $986.00 (+2.71%) Homeowner's exemption Disabled Person's exemption | $120,234 (+3%) | $204,636 (+0.98%) Land $50,400 Building $154,236 |
| 2023 | $960.00 (+3.23%) Homeowner's exemption Disabled Person's exemption | $116,732 (+3%) | $202,644 (+13.34%) Land $50,400 Building $152,244 |
| 2022 | $930.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $113,332 | $178,790 Land $34,560 Building $144,230 |
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 21 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | POINT BAKER WATER SYSTEM, INC. private · serves 11,318 people · EPA ID FL1570540 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 1 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 124 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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