6546 Tidal Bay Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 6546 Tidal Bay Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,427 sqft · built 1998
Lot Size	1.32 acres (57,543 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Sep 2022)
Tax Bill	$1,812 (2024)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`01-1S-28-5432-00D00-0081`

Property Details

APN / Parcel Number

Primary APN	`01-1S-28-5432-00D00-0081`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,427 sqft Heated Area
Gross Area	3,553 sqft
1st Floor Area	2,956 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	57,543 sqft (1.32 acres)
Lot Dimensions	1,830 ft deep x 3,200 ft wide
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	405 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	011S28543200D000081
Street Address	6546 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 PORT LOT 8 BLK D DES AS: COMM AT NW CORN LOT 8 THN S8911'10E ON N LN 248.20 FT TO POB & CONT S8911'10E
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	8
Jurisdiction	SANTA ROSA FL
Township / Civil Division	BAGDAD
Census Block Group	1
Census Block	1017
Census Tract	10710

Owner

6546 Tidal Bay Dr is owned and occupied by an individual who bought it in September 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	6546 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2022 · Amount on File
Deed Sale	Sep 7, 2022 · Amount on File
Prior Sale	Jul 31, 2007 · Amount on File
Deed Document Number	202251864
Deed Book / Page	4324 / 65
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 7, 2022
Property Address	6546 TIDAL BAY DR, MILTON, FL 32583-3352
Document Number	0043240065
Book / Page	4324 / 65
Map Reference	MB D PG 96
Instrument Date	Aug 18, 2022
Instrument	202251864
Transaction Type	Transfer
Record Updated	Oct 14, 2022
Title Company	SURETY LAND TITLE/FL LLC, SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2260 S FERNDOM BLVD, 2260, CRESTVIEW, FL 32536

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6546 TIDAL BAY DR, MILTON, FL 32583-3352

Mortgage

Document Number	0000432468
Date	Sep 7, 2022
Instrument	4324/68

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

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	$1,812.00 (+1.97%) Homeowner's exemption	$182,964 (+3%)	$282,615 (+2.49%) Land $19,580 Building $263,035
2023	$1,777.00 (-46.57%)	$177,635 (-35.42%)	$275,754 (+0.24%) Land $15,664 Building $260,090
2022	$3,326.00	$275,081	$275,081 Land $15,664 Building $259,417

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 6546 Tidal Bay Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
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 6546 Tidal Bay Dr is high, ranking above 79% of the US, with a 0.4% 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 67% of Florida
Wildfire Likelihood	0.4% 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	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.

Cell Coverage

5G (outdoors only) and 4G LTE

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