6531 Cedar St, Milton, FL 32570 Property Records

Santa Rosa County property record for 6531 Cedar St, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,384 sqft · built 1958
Lot Size	0.326 acres (14,244 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Dec 2022)
Tax Bill	$1,920 (2024)
Deeds & Mortgages	Feb 2024 Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-2N-28-5240-00000-0120`

Property Details

APN / Parcel Number

Primary APN	`33-2N-28-5240-00000-0120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,384 sqft Heated Area
Gross Area	2,042 sqft
1st Floor Area	1,384 sqft
Utility Area	56 sqft
Utility Room	Utility Room
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1998
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	14,244 sqft (0.326 acres)
Lot Dimensions	1,500 ft deep x 950 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	205 sqft
Deck Area	316 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	332N285240000000120
Street Address	6531 CEDAR ST
City	MILTON
State	FL
Zip	32570-2805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPENCER MANOR LOT 12 AS DES IN OR 4356 PG 611
Legal Range	28W
Legal Township	02N
Legal Section	33
Legal Subdivision	SPENCER MANOR
Legal Lot Number	12
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MILTON
Census Block Group	3
Census Block	3007
Census Tract	10601

Owner

6531 Cedar St is owned and occupied by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Mailing Address	6531 CEDAR ST, MILTON, FL 32570-2805
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 21, 2024	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 30, 2022	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Jul 31, 2017	Warranty Deed, Transfer · FHA Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2022 · Amount on File
Deed Sale	Dec 30, 2022 · Amount on File
Prior Sale	Jul 31, 2017 · Amount on File
Deed Document Number	0004356611
Deed Book / Page	4356 / 611
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6531 CEDAR ST, MILTON, FL 32570-2805
Transaction Type	Mortgage
Record Updated	Apr 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6531 CEDAR ST, MILTON, FL 32570-2805

Mortgage

Document Number	0044751911
Date	Feb 21, 2024
Book Page	4475/1911
Instrument	202407365

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	3043 TOWNSGATE RD # 200, WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 30, 2022
Property Address	6531 CEDAR ST, MILTON, FL 32570-2805
Document Number	0043560611
Book / Page	4356 / 611
Map Reference	MB B PG 10
Instrument Date	Dec 30, 2022
Instrument	202270461
Transaction Type	Transfer
Record Updated	Feb 2, 2023
Title Company	WEST FLORIDA TITLE, WEST FL TTL CO OF MILTON INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5709 NICKLAUS LN, MILTON, FL 32570-8203

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6531 CEDAR ST, MILTON, FL 32570-2805

Mortgage

Document Number	0004356612
Date	Dec 30, 2022
Instrument	4356/612

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 31, 2017
Property Address	6531 CEDAR ST, MILTON, FL 32570-2805
Document Number	0036470780
Book / Page	3647 / 0780
Map Reference	MB B PG10
Instrument Date	Jul 27, 2017
Instrument	201731016
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$724.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6030 TANGLEWOOD DR, 6030, MILTON, FL 32570-8205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6531 LEDAR ST, MILTON, FL 32570

Mortgage

Document Number	0201731017
Date	Jul 31, 2017
Instrument	201731017

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

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

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
2024	$1,920.00 (+2.13%) Homeowner's exemption	$170,938 (+2.24%) Land $24,000 Building $146,938	$170,938 (+2.24%) Land $24,000 Building $146,938
2023	$1,880.00 (+262.24%) Homeowner's exemption	$167,200 (+136.7%) Land $22,000 Building $145,200	$167,200 (+47.08%) Land $22,000 Building $145,200
2022	$519.00 Homeowner's exemption	$70,637	$113,681 Land $14,000 Building $99,681

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

FEMA maps place 6531 Cedar St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 6531 Cedar St is low, with a 0.03% annual chance of 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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