6494 Cedar St, Milton, FL 32570 Property Records

Santa Rosa County property record for 6494 Cedar St, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,350 sqft · built 1959
Lot Size	0.358 acres (15,594 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Mar 2025)
Tax Bill	$280 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-2N-28-5240-00000-0070`

Property Details

APN / Parcel Number

Primary APN	`33-2N-28-5240-00000-0070`
Alternative APN	`N282335240000000070`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,350 sqft Living Area
Gross Area	1,871 sqft
1st Floor Area	1,350 sqft
Utility Area	99 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1969
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,594 sqft (0.358 acres)
Lot Dimensions	110 ft deep x 142 ft wide
Garage Type	Carport
Garage Area	286 sqft
Carport	Carport
Carport Area	286 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6494 CEDAR ST
City	MILTON
State	FL
Zip	32570-2806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 SPENCER MANOR AS DES IN OR 4592 PG 722
Legal Range	28W
Legal Township	2N
Legal Section	33
Legal Subdivision	SPENCER MANOR
Legal Lot Number	7
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MILTON
Census Block Group	3
Census Block	3002
Census Tract	10601

Owner

Source: Santa Rosa County records, as of April 28, 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 Record
Mailing Address	6494 CEDAR ST, MILTON, FL 32570-2806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 13, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2025 · Amount on Record
Deed Sale	Mar 5, 2025 · Amount on Record
Prior Sale	Mar 2, 2005 · Amount on Record
Deed Document Number	20259318
Deed Book / Page	4592 / 722
Prior Transfer Date	Apr 4, 2003
Prior Transfer Doc	2132001461
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6494 CEDAR ST, MILTON, FL 32570-2806
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6494 CEDAR ST, MILTON, FL 32570-2806

Mortgage

Document Number	0047060542
Date	Feb 6, 2026
Book Page	4706/542
Instrument	202606044

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6494 CEDAR ST, MILTON, FL 32570-2806
Document Number	0039191806
Instrument Date	Feb 13, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6494 CEDAR ST MILTON FL 325702806, MILTON, FL 32570-2806

Mortgage

Document Number	0039191806
Date	Feb 19, 2020
Book Page	003919/001806
Instrument	7813

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2050

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$280.00 (+8.11%)	$71,315 (+2.9%)	$157,229 (+11.21%) Land $28,800 Building $128,429
2024	$259.00 (+7.02%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$69,305 (+3%)	$141,386 (+2.85%) Land $28,800 Building $112,586
2023	$242.00 (-6.92%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$67,286 (+3%)	$137,462 (+12.97%) Land $26,400 Building $111,062
2022	$260.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$65,326	$121,682 Land $16,800 Building $104,882

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 18, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MILTON, CITY OF WATER SYSTEM serves 21,241 people · EPA ID FL1570146
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	5 ppb (2024) action level 15 ppb

Violations Reported to EPA

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, 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 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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