6565 Tidal Bay Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 6565 Tidal Bay Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,705 sqft · built 1988
Lot Size	0.436 acres (18,992 sqft)
Owner	2 Company Names on File
Last Sale	$290,000 (Feb 2025)
Tax Bill	$1,464 (2025)
Deeds & Mortgages	Feb 2025 Sale & Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-1S-28-5432-00B00-0120`

Property Details

APN / Parcel Number

Primary APN	`01-1S-28-5432-00B00-0120`
Alternative APN	`S28101543200B000120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,705 sqft Living Area
Gross Area	2,628 sqft
1st Floor Area	1,705 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1998
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	18,992 sqft (0.436 acres)
Lot Dimensions	190 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	462 sqft

Exterior Amenities

Porch	Slab
Porch Area	219 sqft
Patio Area	242 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6565 TIDAL BAY DR
City	MILTON
State	FL
Zip	32583-3353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 12 BLK B TIDAL BAY PHASE II AS DES IN OR 4589 PG 1202
Legal Range	28W
Legal Township	1S
Legal Section	01
Legal Subdivision	TIDAL BAY PHASE 1,2
Legal Block	B
Legal Lot Number	12
Jurisdiction	SANTA ROSA FL
Township / Civil Division	BAGDAD
Census Block Group	1
Census Block	1017
Census Tract	10710

Owner

6565 Tidal Bay Dr is owned by a company that bought it in February 2025.

Source: Santa Rosa County records, as of April 28, 2026

Owner of Record	2 Company Names on File
Mailing Address	6565 TIDAL BAY DR, MILTON, FL 32583-3353
Owner Type	Company
Vesting	Life Tenant

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 25, 2025	Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Aug 19, 2022	Warranty Deed, Transfer · Conventional Mortgage SOUTHEAST MORTGAGE OF GEORGIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2025 · Amount on File
Deed Sale	Feb 25, 2025 · Amount on File
Prior Sale	Aug 19, 2022 · Amount on File
Deed Document Number	20257920
Deed Book / Page	4589 / 1202
Record Updated	Oct 29, 2026

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 25, 2025
Property Address	6565 TIDAL BAY DR, MILTON, FL 32583-3353
Document Number	0045891202
Book / Page	4589 / 1202
Map Reference	MB D PG 96
Instrument Date	Feb 21, 2025
Instrument	202507920
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TITLE OF PENS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	32 THREE OAKS VILLAS DR, GAUTIER, MS 39553-5620

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	6565 TIDAL BAY DR, MILTON, FL 32583-3353

Mortgage

Document Number	0045891207
Date	Feb 25, 2025
Instrument	4589/1207

Lender

Name	NAVY FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 19, 2022
Property Address	6565 TIDAL BAY DR, MILTON, FL 32583-3353
Document Number	0043180262
Book / Page	4318 / 262
Map Reference	MB D PG 96
Instrument Date	Aug 18, 2022
Instrument	202248537
Transaction Type	Transfer
Record Updated	Apr 19, 2024
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,904.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1842 COLLINSWORTH RD, MILTON, FL 32583-9127

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6565 TIDAL BAY DR, MILTON, FL 32583-3353

Mortgage

Document Number	0004318264
Date	Aug 19, 2022
Instrument	4318/264

Lender

Name	SOUTHEAST MORTGAGE OF GEORGIA
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Sep 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	1-Year CMT
Max Rate	10.5%

Tax Assessment & Valuation

The 2025 property tax bill for 6565 Tidal Bay Dr was $1,464, up 15.6% from the year before.

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	$1,464.00 (+15.64%)	$154,828	$198,968 (+1,005.38%) Land $22,500 Building $176,468
2024	$1,266.00		$18,000 Land $18,000

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

Flood

FEMA maps place 6565 Tidal Bay Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 6565 Tidal Bay Dr is high, ranking above 76% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.3% 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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