6432 Kembro Rd, Milton, FL 32570 Property Records

Santa Rosa County property record for 6432 Kembro Rd, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,452 sqft · built 2008
Lot Size	0.255 acres (11,151 sqft)
Owner	Individual Name on Record
Last Sale	$118,000 (May 2008)
Tax Bill	$1,964 (2024)
Deeds & Mortgages	Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-2N-28-0000-02201-0000`

Property Details

APN / Parcel Number

Primary APN	`21-2N-28-0000-02201-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,452 sqft Heated Area
Gross Area	1,836 sqft
1st Floor Area	1,732 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	11,151 sqft (0.255 acres)
Lot Dimensions	1,460 ft deep x 780 ft wide
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	40 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	212N280000022010000
Street Address	6432 KEMBRO RD
City	MILTON
State	FL
Zip	32570-6527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NEW DES PER SURVEY PROVIDED IN SEP REQ DTD 9/4/07 PARCEL B: COM SW CORN BLK 6 FOREST GROVE SUB THN S0*E 50 FT TO S R/W FOREST
Legal Range	28W
Legal Township	02N
Legal Section	21
Legal Subdivision	FOREST
Legal Block	6
Jurisdiction	SANTA ROSA FL
Township / Civil Division	SKYLINE
Census Block Group	2
Census Block	2016
Census Tract	10506

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	2764 N ROOSEVELT BLVD UNIT 5016, 5016, KEY WEST, FL 33045-7060
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2008 · Amount on Record
Deed Sale	May 5, 2008 · Amount on Record
Deed Document Number	200817492
Deed Book / Page	2825 / 1162
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6432 KEMBRO RD, MILTON, FL 32570-6527
Transaction Type	Mortgage
Record Updated	May 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2764 N ROOSEVELT BLVD, KEY WEST, FL 33040-3930

Mortgage

Document Number	0043841244
Date	Apr 13, 2023
Book Page	4384/1244
Instrument	202315688

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	May 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.3%
Index	Other
Margin	3
Max Rate	11.3%

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	$1,964.00 (+2.03%)	$163,074 (+0.28%) Land $12,250 Building $150,824	$163,074 (+0.28%) Land $12,250 Building $150,824
2023	$1,925.00 (+5.89%)	$162,619 (+4.77%) Land $12,250 Building $150,369	$162,619 (+4.77%) Land $12,250 Building $150,369
2022	$1,818.00	$155,220	$155,220 Land $12,250 Building $142,970

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

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 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.

Wildfire

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

Wildfire Risk	Moderate above 60% of the US · lower than 65% 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.

Drinking Water

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

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 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