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6478 Flora Ct, Milton, FL 32570 Property Records

Santa Rosa County property record for 6478 Flora Ct, Milton, FL 32570

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,682 sqft · built 2016
Lot Size0.101 acres (4,400 sqft)
OwnerIndividual Name on File
Last Sale$268,900 (Jun 2024)
Tax Bill$2,746 (2025)
Deeds & MortgagesAug 2019 Sale & Mortgage
Aug 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN28-2N-28-2322-00D00-0120

Property Details

APN / Parcel Number

Primary APN28-2N-28-2322-00D00-0120
Alternative APN
  • N28228232200D000120

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,682 sqft Living Area
Gross Area2,250 sqft
1st Floor Area754 sqft
Upper Floors Area928 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area4,400 sqft (0.101 acres)
Lot Dimensions110 ft deep x 40 ft wide
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area48 sqft
Patio Area100 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address6478 FLORA CT
CityMILTON
StateFL
Zip32570-3522
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionMAGNOLIA BEND PH 1 LOT 12 BLK D AS DES IN OR 4507 PG 1386
Legal Range28W
Legal Township2N
Legal Section28
Legal SubdivisionMAGNOLIA BEND PH 1
Legal BlockD
Legal Lot Number12
JurisdictionSANTA ROSA FL
Township / Civil DivisionMILTON
Census Block Group2
Census Block2015
Census Tract10601

Owner

6478 Flora Ct is owned and occupied by an individual who bought it in June 2024.

Source: Santa Rosa County records, as of July 22, 2026

Owner of RecordIndividual Name on File
Mailing Address6478 FLORA CT, MILTON, FL 32570-3522
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried Woman

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

DateDocument
Aug 20, 2019Warranty Deed, Transfer
LOANDEPOT.COM LLC
Aug 16, 2019Deed of Trust, Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 3, 2024 · Amount on File
Deed SaleJun 3, 2024 · Amount on File
Prior SaleAug 20, 2019 · Amount on File
Deed Document Number202424252
Deed Book / Page4507 / 1386
Record UpdatedSep 20, 2026

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateAug 20, 2019
Property Address6478 FLORA CT, MILTON, FL 32570-3522
Document Number0038611498
Book / Page003861 / 001498
Instrument DateAug 16, 2019
Instrument36739
Transaction TypeTransfer
Record UpdatedNov 1, 2019
Title CompanyEMERALD COAST TITLE INC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,148.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6478 FLORA CT MILTON FL 325703522, MILTON, FL 32570-3522

Mortgage

Document Number38611500
DateAug 20, 2019
Book Page003861/001500
Instrument36740
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
AmountAmount on Record
Term360 Months
DueAug 19, 2049

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address6478 FLORA CT, MILTON, FL 32570-3522
Document Number0038690091
Instrument DateAug 16, 2019
Transaction TypeMortgage
Record UpdatedDec 10, 2019
Title CompanyEMERALD COAST TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address7163 PINE BLOSSOM RD MILTON FL 325708864, MILTON, FL 32570-8864

Mortgage

Document Number0038690091
DateSep 11, 2019
Book Page003869/000091
Instrument40555
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
AmountAmount on Record
Term360 Months
DueSep 10, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 6478 Flora Ct was $2,746, up 72.9% from the year before.

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
MunicipalityMilton City
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,746.00 (+72.92%)$200,187 (+35.39%) Land $23,000 Building $177,187$200,187 (+1.14%) Land $23,000 Building $177,187
2024$1,588.00 (+3.39%) Homeowner's exemption$147,858 (+3%)$197,924 (+5.05%) Land $23,000 Building $174,924
2023$1,536.00 (+3.16%) Homeowner's exemption$143,551 (+3%)$188,410 (+8.55%) Land $23,000 Building $165,410
2022$1,489.00 Homeowner's exemption$139,370$173,577 Land $18,000 Building $155,577

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

Flood

FEMA maps place 6478 Flora Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies9 in force

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 6478 Flora Ct is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire RiskModerate
above 40% of the US · lower than 87% of Florida
Wildfire Likelihood0.07% annual chance
ExposureDirect
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 SystemMILTON, CITY OF WATER SYSTEM
serves 21,241 people · EPA ID FL1570146
Water SourceGroundwater
Last State InspectionFeb 2025
Lead5 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 177 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

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