Santa Rosa County property record for 6440 Spruce St, Milton, FL 32570
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,877 sqft · built 1973 |
| Lot Size | 0.476 acres (20,778 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $36,300 (Nov 1978) |
| Tax Bill | $778 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-2N-28-1270-00600-0080 |
| Primary APN | 21-2N-28-1270-00600-0080 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,877 sqft Heated Area |
| Gross Area | 2,270 sqft |
| 1st Floor Area | 2,254 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Asphalt |
| Lot Area | 20,778 sqft (0.476 acres) |
| Lot Dimensions | 2,000 ft deep x 1,040 ft wide |
| Garage Type | Mixed |
| Garage Area | 1 sqft |
| Carport | Carport |
| Carport Area | 1 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 16 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 212N281270006000080 |
|---|---|
| Street Address | 6440 SPRUCE ST |
| City | MILTON |
| State | FL |
| Zip | 32570-6546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | FOREST GROVE BLK 6 LOT 8 AS DES IN OR 457 PG 485 LESS ALL MIN RIGHTS |
| Legal Range | 28W |
| Legal Township | 02N |
| Legal Section | 21 |
| Legal Subdivision | FOREST |
| Legal Block | 6 |
| Legal Lot Number | 8 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | SKYLINE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 10506 |
6440 Spruce St is owned and occupied by two individuals who bought it in November 1978.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6440 SPRUCE ST, MILTON, FL 32570-6546 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 1978 · Amount on File |
| Deed Sale | Nov 1, 1978 · Amount on File |
| Deed Document Number | 0000457485 |
| Record Updated | Jun 8, 2026 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $778.00 (+3.05%) Homeowner's exemption | $96,885 (+3%) | $164,037 (+2.46%) Land $19,500 Building $144,537 |
| 2023 | $755.00 (+3.28%) Homeowner's exemption | $94,063 (+3%) | $160,092 (+2.09%) Land $17,500 Building $142,592 |
| 2022 | $731.00 Homeowner's exemption | $91,323 | $156,808 Land $16,000 Building $140,808 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6440 Spruce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 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 risk around 6440 Spruce St 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 Risk | Moderate above 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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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