6520 D E Lovett Rd, Milton, FL 32570 Property Records

Santa Rosa County property record for 6520 D E Lovett Rd, Milton, FL 32570

Property Summary

Property Type	Agricultural Vacant Land
Details	3 bd · 2 ba · 3,868 sqft · built 1998
Lot Size	38.5 acres (1,681,198 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Jul 2017)
Tax Bill	$1,641 (2024)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-4N-28-0000-00104-0000`

Property Details

APN / Parcel Number

Primary APN	`09-4N-28-0000-00104-0000`
Alternative APN	`N284090000001040000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	3,868 sqft Gross Area
1st Floor Area	2,508 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,681,198 sqft (38.5 acres)

Exterior Amenities

Porch	Porch
Porch Area	1,904 sqft
Deck Area	128 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	6520 D E LOVETT RD
City	MILTON
State	FL
Zip	32570-9410
Property Category	Agriculture or Farming
Property Type	Vacant Land > Agricultural
Local Zoning Code	AG-RR
Legal Description	COM AT NE SEC CORN THN S036 15E ON E SEC LN 283 FT FOR POB & CONT 1266.61 FT THN S84 5707W 259.43 FT THN N7202 07W 245.02 FT THN N795010W 212.83 FT THN S581326W 210. 92 FT THN N03615W 1277.73 FT THN N89*2219E 880.47 FT TO TH POB & WITH A 25 FT
Legal Range	28W
Legal Township	4N
Legal Section	09
Jurisdiction	SANTA ROSA FL
Township / Civil Division	BERRYDALE
Census Block Group	4
Census Block	4094
Census Tract	10100

Owner

Source: Santa Rosa County records, as of December 8, 2025

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 Record
Mailing Address	6525 D E LOVETT RD, MILTON, FL 32570-9411
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2017 · Amount on Record
Deed Sale	Jul 19, 2017 · Amount on Record
Deed Document Number	201729330
Deed Book / Page	3643 / 1931
Prior Transfer Date	Feb 14, 2012
Prior Transfer Doc	0031141018
Record Updated	Jun 8, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 19, 2017
Property Address	6520 D E LOVETT RD, MILTON, FL 32570-9410
Document Number	0036431931
Book / Page	003643 / 001931
Instrument Date	Jul 18, 2017
Instrument	29330
Transaction Type	Transfer
Record Updated	Aug 7, 2017
Title Company	SURETY LAND TITLE/FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6520 D E LOVETT RD MILTON FL 325709410, MILTON, FL 32570-9410

Mortgage

Document Number	36431934
Date	Jul 19, 2017
Book Page	003643/001934
Instrument	29331

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2047

Tax Assessment & Valuation

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

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
2025		$158,462 (+12.57%)	$371,762 (+7.56%) Land $245,460 Building $126,302
2024	$1,641.00 (+5.33%)	$140,766 (+6.48%) Land $31,160 Building $109,606	$345,628 (+2.54%) Land $31,160 Building $314,468
2023	$1,558.00 (+8.65%)	$132,196 (+13.34%) Land $31,160 Building $101,036	$337,058 (+4.29%) Land $31,160 Building $305,898
2022	$1,434.00	$116,632 Land $27,160 Building $89,472	$323,182

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

Flood

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 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

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

Wildfire Risk	Moderate above 63% of the US · lower than 61% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct 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 System	BERRYDALE WATER SYSTEM serves 2,800 people · EPA ID FL1570064
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	2 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	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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20