Santa Rosa County property record for 6474 Flora Ct, Milton, FL 32570
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,211 sqft · built 2016 |
| Lot Size | 0.125 acres (5,445 sqft) |
| Owner | Individual Name on File |
| Last Sale | $273,900 (Oct 2024) |
| Tax Bill | $2,724 (2025) |
| Deeds & Mortgages | Oct 2024 Sale & Mortgage Jan 2024 Foreclosure + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2N-28-2322-00D00-0110 |
| Primary APN | 28-2N-28-2322-00D00-0110 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,211 sqft Living Area |
| Gross Area | 2,766 sqft |
| 1st Floor Area | 878 sqft |
| Upper Floors Area | 1,333 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 5,445 sqft (0.125 acres) |
| Lot Dimensions | 109 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 423 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 32 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 6474 FLORA CT |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32570-3522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LOT 11 BLK D MAGNOLIA BEND PH 1 AS DES IN OR 4555 PG 189 |
| Legal Range | 28W |
| Legal Township | 2N |
| Legal Section | 28 |
| Legal Subdivision | MAGNOLIA BEND PH 1 |
| Legal Block | D |
| Legal Lot Number | 11 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | MILTON |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 10601 |
Source: Santa Rosa County records · APN 28-2N-28-2322-00D00-0110
Assessment roll updated December 8, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6474 FLORA CT, MILTON, FL 32570-3522 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Oct 23, 2024 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jan 17, 2024 | Trustee's Deed, Foreclosure |
| Sep 27, 2023 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV |
| Jan 17, 2020 | Loan Modification, Mortgage · Conventional Mortgage PENNYMAC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 23, 2024 · Amount on Record |
| Deed Sale | Oct 23, 2024 · Amount on Record |
| Prior Sale | Jan 17, 2024 · Amount on Record |
| Deed Document Number | 202448050 |
| Deed Book / Page | 4555 / 189 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 23, 2024 |
| Property Address | 6474 FLORA CT, MILTON, FL 32570-3522 |
| Document Number | 0045550189 |
| Book / Page | 4555 / 189 |
| Map Reference | MB 11 PG 7 |
| Instrument Date | Oct 16, 2024 |
| Instrument | 202448050 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | WHITWORTH TITLE GROUP, WHITWORTH TITLE GROUP INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,917.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6930 W LINEBAUGH AVE, TAMPA, FL 33625-5800 |
| Name | Verified Name |
|---|---|
| Address | 6474 FLORA CT, MILTON, FL 32570-3522 |
| Document Number | 0004555190 |
|---|---|
| Date | Oct 23, 2024 |
| Instrument | 4555/190 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2054 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 17, 2024 |
| Property Address | 6474 FLORA CT, MILTON, FL 32570-3522 |
| Document Number | 0044661719 |
| Book / Page | 4466 / 1719 |
| Map Reference | MB 11 PGS 7 |
| Instrument Date | Jan 17, 2024 |
| Instrument | 202402211 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 16, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $147.70 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 6474 FLORA CT, MILTON, FL 32570-3522 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 6474 FLORA CT, MILTON, FL 32570-3522 |
| Document Number | 0044371592 |
|---|---|
| Date | Sep 27, 2023 |
| Book Page | 4437/1592 |
| Instrument | 202343891 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Sep 01, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 6474 FLORA CT, MILTON, FL 32570-3522 |
| Document Number | 0039371683 |
| Instrument Date | Jan 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 6474 FLORA CT MILTON FL 325703522, MILTON, FL 32570-3522 |
| Document Number | 0039371683 |
|---|---|
| Date | Apr 09, 2020 |
| Book Page | 003937/001683 |
| Instrument | 17105 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 08, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 6474 FLORA CT, MILTON, FL 32570-3522 |
| Document Number | 0039380848 |
| Instrument Date | Jan 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 6474 FLORA CT MILTON FL 325703522, MILTON, FL 32570-3522 |
| Document Number | 0039380848 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | 003938/000848 |
| Instrument | 17414 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 12, 2050 |
| Rate | 3.87% |
|---|
Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Municipality | Milton City |
| Unified School District | Santa Rosa County School District (PK - 12) |
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 | $2,724.00 (+65.19%) | $238,725 (+52.09%) Land $23,000 Building $215,725 | $238,725 (+3.24%) Land $23,000 Building $215,725 |
| 2024 | $1,649.00 (+3.52%) Homeowner's exemption Disabled Person's exemption | $156,964 (+3%) | $231,229 (+5.15%) Land $23,000 Building $208,229 |
| 2023 | $1,593.00 (+3.24%) Homeowner's exemption Disabled Person's exemption | $152,392 (+3%) | $219,902 (+7.22%) Land $23,000 Building $196,902 |
| 2022 | $1,543.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $147,953 | $205,099 Land $18,000 Building $187,099 |
Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 9 in force |
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 177 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MILTON, CITY OF WATER SYSTEM serves 21,241 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | 5 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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