6776 Oser Rd, Milton, FL 32570 Property Records

Santa Rosa County property record for 6776 Oser Rd, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,211 sqft · built 2010
Lot Size	2.12 acres (92,347 sqft)
Owner	2 Individual Names on Record
Last Sale	$455,000 (Jun 2025)
Tax Bill	$1,805 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-2N-29-0000-00303-0000`

Property Details

APN / Parcel Number

Primary APN	`14-2N-29-0000-00303-0000`
Alternative APN	`N292140000003030000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,211 sqft Living Area
Gross Area	4,071 sqft
1st Floor Area	2,211 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	92,347 sqft (2.12 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	4 Parking Spaces
Porch	Finished/Open Porch
Porch Area	516 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6776 OSER RD
City	MILTON
State	FL
Zip	32570-8551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATE FOR 2025 COM AT SE SEC COR THN N8855'19 W ON S SEC LN 1327.75 FT TO SE COR OF SW4 OF SE4 THN N224' 54E ON E QTR LN 1320.84 FT TO NE COR OF NW4 OF SE4 THN N88*47'37W ON N LN OF OR 1144 PG 188 GO 792.81 FT & N R/W WILL- ARD NOR
Legal Range	29W
Legal Township	2N
Legal Section	14
Legal Lot Number	33
Jurisdiction	SANTA ROSA FL
Township / Civil Division	SKYLINE
Census Block Group	1
Census Block	1023
Census Tract	10506

Owner

Source: Santa Rosa County records, as of April 22, 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 Record
Mailing Address	6776 OSER RD, MILTON, FL 32570-8551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jun 6, 2025	Warranty Deed, Transfer · Conventional Mortgage RELIANCE MORTGAGE PARTNERS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2025 · Amount on Record
Deed Sale	Jun 6, 2025 · Amount on Record
Prior Sale	Nov 29, 2011 · Amount on Record
Deed Document Number	202525844
Deed Book / Page	4624 / 781
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6776 OSER RD, MILTON, FL 32570-8551
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6776 OSER RD, MILTON, FL 32570-8551

Mortgage

Document Number	0047251678
Date	Mar 30, 2026
Book Page	4725/1678
Instrument	202615624

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 6, 2025
Property Address	6776 OSER RD, MILTON, FL 32570-8551
Document Number	0046240781
Book / Page	4624 / 781
Instrument Date	May 27, 2025
Instrument	202525844
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,185.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	423 VIGHTHING BUG LN, FREEPORT, FL 32439

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6776 OSER RD, MILTON, FL 32570-8551

Mortgage

Document Number	0004624783
Date	Jun 6, 2025
Instrument	4624/783

Lender

Name	RELIANCE MORTGAGE PARTNERS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2055

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025		$187,637 (+2.9%)	$279,857 (+3.29%) Land $40,280 Building $239,577
2024	$1,805.00 (+1.98%) Homeowner's exemption	$182,349 (+3%)	$270,940 (+0.7%) Land $35,245 Building $235,695
2023	$1,770.00 (+2.49%) Homeowner's exemption	$177,038 (+3%)	$269,047 (+1.86%) Land $35,245 Building $233,802
2022	$1,727.00 Homeowner's exemption	$171,882	$264,124 Land $32,224 Building $231,900

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

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 30 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	2 (2014–2020)
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

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

Wildfire Risk	High above 73% of the US · above 57% of Florida
Wildfire Likelihood	0.3% 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	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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