6434 Tonya Dr, Milton, FL 32570 Property Records

Santa Rosa County property record for 6434 Tonya Dr, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,435 sqft · built 1997
Lot Size	4 acres (174,327 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (May 2019)
Tax Bill	$165 (2024)
Deeds & Mortgages	Sep 2020 Line of Credit Feb 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-2N-28-3522-00A00-0020`

Property Details

APN / Parcel Number

Primary APN	`19-2N-28-3522-00A00-0020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,435 sqft Heated Area
Gross Area	3,423 sqft
1st Floor Area	2,964 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	174,327 sqft (4 acres)
Lot Dimensions	6,580 ft deep x 2,650 ft wide
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	291 sqft
Patio Area	168 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	192N28352200A000020
Street Address	6434 TONYA DR
City	MILTON
State	FL
Zip	32570-8869
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	LOT 2, BLOCK A, ROSEBUD ACRES, BEING A PORTION OF THE NORTHWEST 1/4 OF SECTION 19, DES IN OR 3829 PG 455 LESS 1/2 MINERAL
Legal Range	28W
Legal Township	02N
Legal Section	19
Legal Subdivision	BEING A PORTION OF THE NORTHWEST
Legal Block	A
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	SKYLINE
Census Block Group	1
Census Block	1030
Census Tract	10506

Owner

6434 Tonya Dr is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	6434 TONYA DR, MILTON, FL 32570-8869
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Sep 2, 2020	Deed of Trust, Mortgage · Line of Credit PEN AIR FEDERAL CU
Feb 21, 2020	Deed of Trust, Mortgage · VA Mortgage USAA
May 15, 2019	Grant Deed, Transfer · VA Mortgage USAA
Apr 10, 2018	Trustee's Deed, Foreclosure
Jan 25, 2017	Loan Modification, Mortgage NATIONSTAR MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2019 · Amount on File
Deed Sale	May 15, 2019 · Amount on File
Prior Sale	Apr 10, 2018
Deed Document Number	201919965
Deed Book / Page	3829 / 0455
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6434 TONYA DR, MILTON, FL 32570-8869
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6434 TONYA DR, MILTON, FL 32570-8869

Mortgage

Document Number	0039990293
Date	Sep 2, 2020
Book Page	3999/293
Instrument	202045427

Lender

Name	PEN AIR FEDERAL CU
Type	Credit Union
Address	PENSACOLA, FL 32514

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6434 TONYA DR, MILTON, FL 32570-8869
Document Number	0039231370
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	May 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6434 TONYA DR MILTON FL 325708869, MILTON, FL 32570-8869

Mortgage

Document Number	0039231370
Date	Feb 28, 2020
Book Page	003923/001370
Instrument	9722

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 15, 2019
Property Address	6434 TONYA DR, MILTON, FL 32570-8869
Document Number	0038290455
Book / Page	003829 / 000455
Instrument Date	May 13, 2019
Instrument	19965
Transaction Type	Transfer
Record Updated	Jun 27, 2019
Title Company	REO TITLE COMPANY/FL LLC, REO TITLE CO/FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6434 TONYA DR MILTON FL 325708869, MILTON, FL 32570-8869

Mortgage

Document Number	38290457
Date	May 15, 2019
Book Page	003829/000457
Instrument	19966

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2049

April 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 10, 2018
Property Address	6434 TONYA DR, MILTON, FL 32570-8869
Document Number	0037170897
Book / Page	003717 / 000897
Instrument Date	Mar 28, 2018
Instrument	14037
Transaction Type	Foreclosure
Record Updated	Jun 12, 2018

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Property Address	6434 TONYA DR, MILTON, FL 32570-8869
Document Number	0036041624
Book / Page	003604 / 001624
Instrument Date	Jan 25, 2017
Transaction Type	Mortgage
Record Updated	Mar 14, 2017
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6434 TONYA DR MILTON FL 325708869, MILTON, FL 32570-8869

Mortgage

Document Number	0036041624
Date	Mar 7, 2017
Book Page	003604/001624
Instrument	8935

Lender

Name	NATIONSTAR MTG
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount on Record
Term	480 Months
Due	Mar 6, 2057

Interest

Rate Type	Fixed Rate
Rate	3.5%

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	$165.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$274,175 (+3%)	$340,574 (+0.83%) Land $86,000 Building $254,574
2023	$165.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$266,189 (+3%)	$337,768 (+4.97%) Land $86,000 Building $251,768
2022	$165.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$258,436	$321,765 Land $70,000 Building $251,765

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

Flood

FEMA maps place 6434 Tonya Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.

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 File median of 30 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	2 (2014–2020)
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

Wildfire risk around 6434 Tonya Dr is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% 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	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 66 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

Cell Coverage

5G (outdoors only) and 4G LTE

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