664 Phelps Rd, Milton, FL 32570 Property Records

Santa Rosa County property record for 664 Phelps Rd, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,212 sqft · built 2004
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$233,000 (Jul 2024)
Tax Bill	$1,427 (2024)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-3N-28-0000-00706-0000`

Property Details

APN / Parcel Number

Primary APN	`12-3N-28-0000-00706-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,212 sqft Heated Area
Gross Area	1,729 sqft
1st Floor Area	1,491 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	3,300 ft deep x 1,320 ft wide
Garage Area	279 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	252 sqft
Deck Area	112 sqft
Patio Area	112 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	123N280000007060000
Street Address	664 PHELPS RD
City	MILTON
State	FL
Zip	32570-9724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATE FOR 2024 COM AT SE COR SW4 OF SEC 12-3N-28 THN N01*06'21 E ON E QTR LN 2646.18 FT TO NE COR NE4 OF SW4
Legal Range	28W
Legal Township	03N
Legal Section	12
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MUNSON
Census Block Group	2
Census Block	2101
Census Tract	10100

Owner

664 Phelps Rd is owned and occupied by an individual who bought it in July 2024.

Source: Santa Rosa County records, as of January 26, 2026

Owner of Record	Individual Name on File
Mailing Address	664 PHELPS RD, MILTON, FL 32570-9724
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
Mar 2, 2022	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Jun 28, 2022	Deed of Trust, Mortgage · FHA Mortgage MICHIGAN MUTUAL INC
Mar 17, 2025	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Nov 14, 2022	Warranty Deed, Transfer · FHA Mortgage HOME MORTGAGE OF AMERICA INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2024 · Amount on File
Deed Sale	Jul 1, 2024 · Amount on File
Prior Sale	Nov 14, 2022 · Amount on File
Deed Document Number	202429147
Deed Book / Page	4517 / 459
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	664 PHELPS RD, MILTON, FL 32570-9724
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	664 PHELPS RD, MILTON, FL 32570-9724

Mortgage

Document Number	0042521743
Date	Mar 2, 2022
Book Page	4252/1743
Instrument	202212443

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	221 Months
Due	Aug 1, 2040

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	664 PHELPS RD, MILTON, FL 32570-9724
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6600 BYROM CAMPBELL RD, MILTON, FL 32571

Mortgage

Document Number	0042991858
Date	Jun 28, 2022
Book Page	4299/1858
Instrument	202238362

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company
Address	FRANKLIN, MI 48025

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	218 Months
Due	Aug 1, 2040

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	664 PHELPS RD, MILTON, FL 32570-9724
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	664 PHELPS RD, MILTON, FL 32570-9724

Mortgage

Document Number	0045951859
Date	Mar 17, 2025
Book Page	4595/1859
Instrument	202511328

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 14, 2022
Property Address	664 PHELPS RD, MILTON, FL 32570-9724
Document Number	0043440397
Book / Page	4344 / 397
Instrument Date	Nov 10, 2022
Instrument	202263482
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	GUARANTEE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	664 PHELPS RD, MILTON, FL 32570-9724

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3552 SWEET BAY DR, MILTON, FL 32571-8936

Mortgage

Document Number	0043440399
Date	Nov 14, 2022
Book Page	4344/399
Instrument	202263483

Lender

Name	HOME MORTGAGE OF AMERICA INC
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 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	$1,427.00 (-0.49%) Homeowner's exemption	$153,993 (+0.81%) Land $11,500 Building $142,493	$153,993 (+0.81%) Land $11,500 Building $142,493
2023	$1,434.00 (+130.55%) Homeowner's exemption	$152,754 (+86.28%) Land $11,500 Building $141,254	$152,754 (+12.96%) Land $11,500 Building $141,254
2022	$622.00 Homeowner's exemption	$82,003	$135,232 Land $10,000 Building $125,232

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 664 Phelps Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1983.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1983–2020)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2020 · Hurricane Sally

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 664 Phelps Rd is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% 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	BERRYDALE WATER SYSTEM serves 2,800 people · EPA ID FL1570064
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	2 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	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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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