6590 Lakeshore Dr, Milton, FL 32570 Property Records

Santa Rosa County property record for 6590 Lakeshore Dr, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,490 sqft · built 1959
Lot Size	0.229 acres (9,975 sqft)
Owner	2 Individual Names on File
Last Sale	$151,000 (Jul 2019)
Tax Bill	$1,901 (2024)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-1N-28-2230-00200-0110`

Property Details

APN / Parcel Number

Primary APN	`04-1N-28-2230-00200-0110`
Alternative APN	`N281042230002000110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,490 sqft Living Area
Gross Area	1,914 sqft
1st Floor Area	1,490 sqft
Utility Area	104 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1999
Exterior Material	Brick
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,975 sqft (0.229 acres)
Lot Dimensions	125 ft deep x 80 ft wide

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	48 sqft
Patio Area	272 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	6590 LAKESHORE DR
City	MILTON
State	FL
Zip	32570-5641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	LAKEWOOD MANOR 2 LOT 11 BLK 2 AS DES IN OR 3845 PG 967
Legal Range	28W
Legal Township	1N
Legal Section	04
Legal Subdivision	LAKEWOOD MANOR #2
Legal Block	2
Legal Lot Number	11
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1012
Census Tract	10602

Owner

6590 Lakeshore Dr is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	6590 LAKESHORE DR, MILTON, FL 32570-5641
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
Jul 20, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jul 1, 2019	Warranty Deed, Transfer · Conventional Mortgage GOLDWATER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2019 · Amount on File
Deed Sale	Jul 1, 2019 · Amount on File
Prior Sale	Sep 29, 2015 · Amount on File
Deed Document Number	201928190
Deed Book / Page	3845 / 967
Prior Transfer Date	Nov 17, 2014
Prior Transfer Doc	0033870848
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6590 LAKESHORE DR, MILTON, FL 32570-5641
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6590 LAKESHORE DR, MILTON, FL 32570-5641

Mortgage

Document Number	0043071614
Date	Jul 20, 2022
Book Page	4307/1614
Instrument	202242702

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 1, 2019
Property Address	6590 LAKESHORE DR, MILTON, FL 32570-5641
Document Number	0038450967
Book / Page	3845 / 0967
Map Reference	MB B PG 16
Instrument Date	Jun 27, 2019
Instrument	201928190
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	GUARANTEE TTL OF NORTHWEST F

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,057.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6590 LAKESHORE DR, 6590, MILTON, FL 32570-5641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6590 LAKESHORE DR, MILTON, FL 32570-5641

Mortgage

Document Number	0003845969
Date	Jul 1, 2019
Instrument	3845/969

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

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

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
2025		$172,782 (+1.86%) Land $20,000 Building $152,782	$172,782 (+1.8%) Land $20,000 Building $152,782
2024	$1,901.00 (+3.09%) Homeowner's exemption	$169,634 (+3%)	$169,721 (+1.06%) Land $20,000 Building $149,721
2023	$1,844.00 (+3.02%) Homeowner's exemption	$164,693 (+3%)	$167,949 (+5.04%) Land $20,000 Building $147,949
2022	$1,790.00 Homeowner's exemption	$159,896	$159,896 Land $20,000 Building $139,896

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

Flood

FEMA maps place 6590 Lakeshore Dr in Zone X, an area of minimal flood risk, though there have been 21 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 72 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	72 in force
Nearby Flood Claims	21 (2004–2022)
Claims Outside the SFHA	2 of 21
Most Recent Claim	Mar 2022 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 8 claims Hurricane Frances, Sep 2004 · 9 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 6590 Lakeshore Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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