6740 Cotter Dr, Milton, FL 32570 Property Records

Santa Rosa County property record for 6740 Cotter Dr, Milton, FL 32570 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 2010
Lot Size	0.232 acres (10,106 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Dec 2025)
Tax Bill	$724 (2024)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-2N-28-4500-00B00-0170`

Property Details

APN / Parcel Number

Primary APN	`27-2N-28-4500-00B00-0170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Heated Area
Gross Area	1,849 sqft
1st Floor Area	1,600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	10,106 sqft (0.232 acres)
Lot Dimensions	1,330 ft deep x 760 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	195 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	272N28450000B000170
Street Address	6740 COTTER DR
City	MILTON
State	FL
Zip	32570-2720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUSTIC RIDGE ESTATES LOT 17 BLK B AS DES IN OR 2983 PG 750
Legal Range	28W
Legal Township	02N
Legal Section	27
Legal Subdivision	RUSTIC RIDGE ESTATES
Legal Block	B
Legal Lot Number	17
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1060
Census Tract	10505

Owner

Source: Santa Rosa County records · APN 27-2N-28-4500-00B00-0170

Assessment roll updated July 1, 2024 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	6740 COTTER DR, MILTON, FL 32570-2720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Dec 30, 2025 · Amount on Record
Deed Sale	Dec 30, 2025 · Amount on Record
Prior Sale	Jun 17, 2010 · Amount on Record
Deed Document Number	202560468
Deed Book / Page	4693 / 1764
Record Updated	Jun 08, 2026

December 2025: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 30, 2025
Property Address	6740 COTTER DR, MILTON, FL 32570-2720
Document Number	0046931764
Book / Page	4693 / 1764
Map Reference	MB 10 PG 98&99
Instrument Date	Dec 22, 2025
Instrument	202560468
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6740 COTTER DR, MILTON, FL 32570-2720

Mortgage

Document Number	0046931767
Date	Dec 30, 2025
Instrument	4693/1767

Lender

Name	DFCU FINANCIAL
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2056

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified January 2026

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$724.00 (+6.16%) Homeowner's exemption Disabled Person's exemption	$97,748 (+3%)	$186,102 (+0.73%) Land $29,000 Building $157,102
2023	$682.00 (-4.62%) Homeowner's exemption Disabled Person's exemption	$94,901 (+3%)	$184,753 (+11.09%) Land $29,000 Building $155,753
2022	$715.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$92,137	$166,302 Land $26,000 Building $140,302

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 25% of Florida
Wildfire Likelihood	About 1 in 781 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.