6500 Tidal Bay Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 6500 Tidal Bay Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,670 sqft · built 2003
Lot Size	0.476 acres (20,778 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Feb 2022)
Tax Bill	$2,248 (2024)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jul 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-1S-28-5432-00D00-0010`

Property Details

APN / Parcel Number

Primary APN	`01-1S-28-5432-00D00-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,670 sqft Heated Area
Gross Area	3,058 sqft
1st Floor Area	2,154 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	20,778 sqft (0.476 acres)
Lot Dimensions	2,190 ft deep x 950 ft wide
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Porch Area	272 sqft
Deck Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	011S28543200D000010
Street Address	6500 TIDAL BAY DR
City	MILTON
State	FL
Zip	32583-3352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TIDAL BAY PHASE II LOT 1 BLK D AS DES IN OR 4251 PG 1458
Legal Range	28W
Legal Township	01S
Legal Section	01
Legal Subdivision	TIDAL BAY PHASE 1,2
Legal Phase	2
Legal Block	D
Legal Lot Number	1
Jurisdiction	SANTA ROSA FL
Township / Civil Division	BAGDAD
Census Block Group	1
Census Block	1017
Census Tract	10710

Owner

6500 Tidal Bay Dr is owned and occupied by an individual who bought it in February 2022.

Source: Santa Rosa County records, as of October 27, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	6500 TIDAL BAY DR, MILTON, FL 32583-3352
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Jul 7, 2020	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
Apr 10, 2018	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2022 · Amount on File
Deed Sale	Feb 28, 2022 · Amount on File
Prior Sale	Apr 10, 2018 · Amount on File
Deed Document Number	202211843
Deed Book / Page	4251 / 1458
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 28, 2022
Property Address	6500 TIDAL BAY DR, MILTON, FL 32583-3352
Document Number	0042511458
Book / Page	4251 / 1458
Map Reference	MB D PG 96
Instrument Date	Feb 18, 2022
Instrument	202211843
Transaction Type	Transfer
Record Updated	Apr 8, 2022
Title Company	EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6482 CEDAR ST, 6482, MILTON, FL 32570-2806

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6500 TIDAL BAY DR, MILTON, FL 32583-3352

Mortgage

Document Number	0042511460
Date	Feb 28, 2022
Instrument	4251/1460

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Property Address	6500 TIDAL BAY DR, MILTON, FL 32583-3352
Document Number	0040070590
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6500 TIDAL BAY DR MILTON FL 325833352, MILTON, FL 32583-3352

Mortgage

Document Number	0040070590
Date	Sep 28, 2020
Book Page	004007/000590
Instrument	49501

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	336 Months
Due	Sep 27, 2048

Interest

Rate Type	Fixed Rate
Rate	3.62%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 10, 2018
Property Address	6500 TIDAL BAY DR, MILTON, FL 32583-3352
Document Number	0037170541
Book / Page	3717 / 0541
Map Reference	MB D PG96
Instrument Date	Apr 6, 2018
Instrument	201813935
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	RELIABLE LAND TITLE CORP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,071.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2208 KENNEDY RD NE, 2208, FORT PAYNE, AL 35967-7736

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6500 TIDAL BAY DR, MILTON, FL 32583-3352

Mortgage

Document Number	0201813936
Date	Apr 10, 2018
Instrument	201813936

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$2,248.00 (+0.63%)	$188,033 (+2.36%) Land $17,280 Building $170,753	$188,033 (+2.36%) Land $17,280 Building $170,753
2023	$2,234.00 (+62.35%) Homeowner's exemption	$183,693 (+25.4%) Land $13,824 Building $169,869	$183,693 (-2.33%) Land $13,824 Building $169,869
2022	$1,376.00 Homeowner's exemption	$146,484	$188,081 Land $13,824 Building $174,257

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

Flood

FEMA maps place 6500 Tidal Bay Dr in Zone X, an area of minimal flood risk, though there have been 153 flood claims nearby since 2004.

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 469 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	469 in force
Nearby Flood Claims	153 (2004–2022)
Claims Outside the SFHA	14 of 153
Most Recent Claim	Feb 2022 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 117 claims Hurricane Frances, Sep 2004 · 32 claims

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 6500 Tidal Bay Dr is high, ranking above 79% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 79% of the US · above 68% of Florida
Wildfire Likelihood	0.5% 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	BAGDAD-GARCON POINT WATER SYSTEM public/private · serves 10,896 people · EPA ID FL1570042
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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