6465 Flora Ct, Milton, FL 32570 Property Records

Santa Rosa County property record for 6465 Flora Ct, Milton, FL 32570 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,896 sqft · built 2019
Lot Size	0.091 acres (3,958 sqft)
Owner	2 Individual Names on File
Last Sale	$299,000 (Mar 2023)
Tax Bill	$3,026 (2024)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-2N-28-2322-00C00-0080`

Property Details

APN / Parcel Number

Primary APN	`28-2N-28-2322-00C00-0080`
Alternative APN	`N28228232200C000080`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,896 sqft Living Area
Gross Area	2,507 sqft
1st Floor Area	1,896 sqft
Upper Floors Area	1,158 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	3,958 sqft (0.091 acres)
Lot Width	50 ft Width
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	90 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6465 FLORA CT
City	MILTON
State	FL
Zip	32570-3522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAGNOLIA BEND PHS 1 LOTS 7 & 8 BLK C AS DES IN OR 4375 PG 1967
Legal Range	28W
Legal Township	2N
Legal Section	28
Legal Subdivision	MAGNOLIA BEND PH 1
Legal Block	C
Legal Lot Number	8
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MILTON
Census Block Group	2
Census Block	2015
Census Tract	10601

Owner

Source: Santa Rosa County records · APN 28-2N-28-2322-00C00-0080

Assessment roll updated December 8, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	6465 FLORA CT, MILTON, FL 32570-3522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2023	Warranty Deed, Transfer · Conventional Mortgage LEADER ONE FINANCIAL CORP
Jan 19, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 05, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 16, 2023 · Amount on Record
Deed Sale	Mar 16, 2023 · Amount on Record
Prior Sale	Apr 05, 2019 · Amount on Record
Deed Document Number	202311007
Deed Book / Page	4375 / 1967
Prior Transfer Date	Jul 06, 2018
Prior Transfer Doc	0037470334
Record Updated	Jun 08, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 16, 2023
Property Address	6465 FLORA CT, MILTON, FL 32570-3522
Document Number	0043751967
Book / Page	4375 / 1967
Map Reference	MB 11 PG 7
Instrument Date	Mar 03, 2023
Instrument	202311007
Transaction Type	Transfer
Record Updated	Apr 18, 2023
Title Company	SURETY LAND TITLE/FL LLC, SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,093.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 FOREMAN RD, FREEPORT, PA 16229-1758

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6465 FLORA CT, MILTON, FL 32570-3522

Mortgage

Document Number	0043751968
Date	Mar 16, 2023
Instrument	4375/1968

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6465 FLORA CT, MILTON, FL 32570-3522
Transaction Type	Mortgage
Record Updated	May 02, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6465 FLORA CT, MILTON, FL 32570-3522

Mortgage

Document Number	0040571687
Date	Jan 19, 2021
Book Page	4057/1687
Instrument	202103177

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 04, 2049

April 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 05, 2019
Property Address	6465 FLORA CT, MILTON, FL 32570-3522
Document Number	0038170573
Book / Page	3817 / 0573
Map Reference	MB 11 PG 7
Instrument Date	Mar 26, 2019
Instrument	201913414
Transaction Type	Subdivision Related Transfer
Record Updated	May 02, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6465 FLORA CT, MILTON, FL 32570-3522

Mortgage

Document Number	0003817575
Date	Apr 05, 2019
Instrument	3817/575

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2049

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Municipality	Milton City
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$250,595 (+1.1%) Land $46,000 Building $204,595	$250,595 (+1.1%) Land $46,000 Building $204,595
2024	$3,026.00 (+4.56%) Homeowner's exemption	$247,872 (+4.68%) Land $46,000 Building $201,872	$247,872 (+4.68%) Land $46,000 Building $201,872
2023	$2,894.00 (-3.76%)	$236,793 (+9.95%) Land $46,000 Building $190,793	$236,793 (+9.95%) Land $46,000 Building $190,793
2022	$3,007.00	$215,362	$215,362 Land $36,000 Building $179,362

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130106012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 12% of Florida
Wildfire Likelihood	About 1 in 1,429 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 177 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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