Santa Rosa County property record for 6728 Cotter Dr, Milton, FL 32570
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,806 sqft · built 2010 |
| Lot Size | 0.232 acres (10,106 sqft) |
| Owner | Company Name on Record |
| Last Sale | $265,000 (Jun 2022) |
| Tax Bill | $2,519 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Jan 2020 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-2N-28-4500-00B00-0150 |
| Primary APN | 27-2N-28-4500-00B00-0150 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,806 sqft Living Area |
| Gross Area | 2,620 sqft |
| 1st Floor Area | 1,806 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 10,106 sqft (0.232 acres) |
| Lot Dimensions | 133 ft deep x 76 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 334 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 6728 COTTER DR |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32570-2720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RUSTIC RIDGE ESTATES LOT 15 BLK B AS DES IN OR 4294 PG 194 |
| Legal Range | 28W |
| Legal Township | 2N |
| Legal Section | 27 |
| Legal Subdivision | RUSTIC RIDGE ESTATES |
| Legal Block | B |
| Legal Lot Number | 15 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | MILTON |
| Census Block Group | 1 |
| Census Block | 1060 |
| Census Tract | 10505 |
Source: Santa Rosa County records, as of April 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 210 DAVIDSON ST, CHULA VISTA, CA 91910-2705 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jun 10, 2022 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Jan 16, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 10, 2022 · Amount on Record |
| Deed Sale | Jun 10, 2022 · Amount on Record |
| Prior Sale | Jul 7, 2010 · Amount on Record |
| Deed Document Number | 202235054 |
| Deed Book / Page | 4294 / 194 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 10, 2022 |
| Property Address | 6728 COTTER DR, MILTON, FL 32570-2720 |
| Document Number | 0042940194 |
| Book / Page | 4294 / 194 |
| Map Reference | MB 10 PG 98&99 |
| Instrument Date | Jun 6, 2022 |
| Instrument | 202235054 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,855.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 30430 TIGER TAIL RD, 30430, SEBRING, FL 33870-0543 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6728 COTTER DR, MILTON, FL 32570-2720 |
| Document Number | 0004294199 |
|---|---|
| Date | Jun 10, 2022 |
| Instrument | 4294/199 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 6728 COTTER DR, MILTON, FL 32570-2720 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039091563 |
|---|---|
| Date | Jan 16, 2020 |
| Book Page | 3909/1563 |
| Instrument | 202002354 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 6, 2050 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Municipality | Milton City |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,519.00 (-2.59%) | $223,531 (+2.9%) | $230,018 (+5.89%) Land $29,000 Building $201,018 |
| 2024 | $2,586.00 (-18.63%) Homeowner's exemption | $217,231 (+0.75%) Land $29,000 Building $188,231 | $217,231 (+0.75%) Land $29,000 Building $188,231 |
| 2023 | $3,178.00 (+163.52%) Homeowner's exemption | $215,616 (+79.67%) Land $29,000 Building $186,616 | $215,616 (+6.84%) Land $29,000 Building $186,616 |
| 2022 | $1,206.00 Homeowner's exemption | $120,009 | $201,806 Land $26,000 Building $175,806 |
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.
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 Record median of 31 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 31 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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