6765 Cotter Dr, Milton, FL 32570 Property Records

Santa Rosa County property record for 6765 Cotter Dr, Milton, FL 32570 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,834 sqft · built 2014
Lot Size	0.223 acres (9,714 sqft)
Owner	Company Name on File
Last Sale	$215,000 (Dec 2020)
Tax Bill	$3,234 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-2N-28-4500-00A00-0040`

Property Details

APN / Parcel Number

Primary APN	`27-2N-28-4500-00A00-0040`
Alternative APN	`N28227450000A000040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,834 sqft Living Area
Gross Area	2,432 sqft
1st Floor Area	1,834 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	9,714 sqft (0.223 acres)
Lot Dimensions	128 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6765 COTTER DR
City	MILTON
State	FL
Zip	32570-2721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUSTIC RIDGE ESTATES LOT 4 BLK A AS DES IN OR 4045 PG 633
Legal Range	28W
Legal Township	2N
Legal Section	27
Legal Subdivision	RUSTIC RIDGE ESTATES
Legal Block	A
Legal Lot Number	4
Jurisdiction	SANTA ROSA FL
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1058
Census Tract	10505

Owner

Source: Santa Rosa County records · APN 27-2N-28-4500-00A00-0040

Assessment roll updated December 8, 2025 · Last verified May 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 File
Mailing Address	210 DAVIDSON ST, CHULA VISTA, CA 91910-2705
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 18, 2020 · Amount on Record
Deed Sale	Dec 18, 2020 · Amount on Record
Prior Sale	Jul 23, 2014 · Amount on Record
Deed Document Number	202068831
Deed Book / Page	4045 / 633
Record Updated	Jun 08, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 18, 2020
Property Address	6765 COTTER DR, MILTON, FL 32570-2721
Document Number	0040450633
Book / Page	4045 / 633
Map Reference	MB 10 PG 98&99
Instrument Date	Dec 18, 2020
Instrument	202068831
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6765 COTTER DR, 6765, MILTON, FL 32570-2721

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6765 COTTER DR, MILTON, FL 32570-2721

Mortgage

Document Number	0004045634
Date	Dec 18, 2020
Instrument	4045/634

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified May 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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,234.00 (-0.61%)	$236,426 (+5.94%) Land $29,000 Building $207,426	$236,426 (+5.94%) Land $29,000 Building $207,426
2024	$3,254.00 (+0.87%)	$223,163 (+0.78%) Land $29,000 Building $194,163	$223,163 (+0.78%) Land $29,000 Building $194,163
2023	$3,226.00 (+7.78%)	$221,433 (+6.87%) Land $29,000 Building $192,433	$221,433 (+6.87%) Land $29,000 Building $192,433
2022	$2,993.00	$207,205	$207,205 Land $26,000 Building $181,205

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130105051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 31 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	31 in force 27 of 31 on primary residences

Wildfire

Wildfire Risk	Moderate above 57% of the US · above 29% of Florida
Wildfire Likelihood	About 1 in 714 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.