6620 Emerald Forest Dr, Milton, FL 32570 Property Records

Santa Rosa County property record for 6620 Emerald Forest Dr, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,154 sqft · built 1995
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on File
Last Sale	$343,200 (Sep 2022)
Tax Bill	$3,263 (2024)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-2N-29-1045-00000-0090`

Property Details

APN / Parcel Number

Primary APN	`14-2N-29-1045-00000-0090`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,154 sqft Heated Area
Gross Area	3,998 sqft
1st Floor Area	2,676 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	174,240 sqft (4 acres)
Lot Dimensions	6,030 ft deep x 2,890 ft wide
Garage Type	Mixed
Garage Area	522 sqft
Parking Spaces	4 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	746 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	142N291045000000090
Street Address	6620 EMERALD FOREST DR
City	MILTON
State	FL
Zip	32570-8139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	EMERALD FOREST LOT 9 AS DES IN OR 4326 PG 1720
Legal Range	29W
Legal Township	02N
Legal Section	14
Legal Subdivision	EMERALD FOREST
Legal Lot Number	9
Jurisdiction	SANTA ROSA FL
Township / Civil Division	SKYLINE
Census Block Group	1
Census Block	1000
Census Tract	10504

Owner

6620 Emerald Forest 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
Mailing Address	6620 EMERALD FOREST DR, MILTON, FL 32570-8139
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
Sep 16, 2022	Warranty Deed, Transfer · VA Mortgage AMERICAN MORTGAGE SERVICE CO
Feb 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2022 · Amount on File
Deed Sale	Sep 16, 2022 · Amount on File
Deed Document Number	202253560
Deed Book / Page	4326 / 1720
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 16, 2022
Property Address	6620 EMERALD FOREST DR, MILTON, FL 32570-8139
Document Number	0043261720
Book / Page	4326 / 1720
Map Reference	MB F PG 37
Instrument Date	Sep 7, 2022
Instrument	202253560
Transaction Type	Transfer
Record Updated	Oct 14, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,402.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6620 EMERALD FOREST DR, 6620, MILTON, FL 32570-8139

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6620 EMERALD FOREST DR, MILTON, FL 32570-8139

Mortgage

Document Number	0043261724
Date	Sep 16, 2022
Instrument	4326/1724

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6620 EMERALD FOREST DR, MILTON, FL 32570-8139
Transaction Type	Mortgage
Record Updated	Apr 1, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6620 EMERALD FOREST DR, MILTON, FL 32570-8139

Mortgage

Document Number	0042410123
Date	Feb 3, 2022
Book Page	4241/123
Instrument	202206341

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Nov 1, 2051

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	$3,263.00 (-0.64%)	$272,366 (+0.97%) Land $46,800 Building $225,566	$272,366 (+0.97%) Land $46,800 Building $225,566
2023	$3,284.00 (+79.36%) Homeowner's exemption Widower's exemption	$269,745 (+48.82%) Land $46,800 Building $222,945	$269,745 (+0.08%) Land $46,800 Building $222,945
2022	$1,831.00 Homeowner's exemption Widower's exemption	$181,257	$269,535 Land $46,800 Building $222,735

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

Flood

FEMA maps place 6620 Emerald Forest Dr in Zone X, an area of minimal flood risk.

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 27 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	27 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

Wildfire risk around 6620 Emerald Forest Dr is high, ranking above 71% 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 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% 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	POINT BAKER WATER SYSTEM, INC. private · serves 11,318 people · EPA ID FL1570540
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: Mediacom Xtream.

Cell Coverage

5G (outdoors only) and 4G LTE

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