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6780 Joy St, Milton, FL 32583 Property Records

Santa Rosa County property record for 6780 Joy St, Milton, FL 32583 · Last verified November 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,758 sqft · built 2010
Lot Size0.241 acres (10,498 sqft)
OwnerIndividual Name on File
Last Sale$290,000 (Sep 2022)
Tax Bill$2,196 (2024)
Deeds & MortgagesSep 2022 Sale & Mortgage
May 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN22-1N-28-1655-00000-0290

Property Details

APN / Parcel Number

Primary APN22-1N-28-1655-00000-0290

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,758 sqft Heated Area
Gross Area2,536 sqft
1st Floor Area2,204 sqft
FlooringLaminate Plank
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2010
Effective Year BuiltEffective 2015
Exterior MaterialBrick
Construction TypeWood
Foundation TypeMasonry
Roof MaterialShingle
Lot Area10,498 sqft (0.241 acres)
Lot Dimensions1,400 ft deep x 750 ft wide
Garage Area446 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area332 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number221N281655000000290
Street Address6780 JOY ST
CityMILTON
StateFL
Zip32583-9037
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHAPPY ACRES LOT 29 AS DES IN OR 4328 PG 1901 LESS ALL MINERAL RIGHTS
Legal Range28W
Legal Township01N
Legal Section22
Legal SubdivisionHAPPY ACRES
Legal Lot Number29
JurisdictionSANTA ROSA FL
Township / Civil DivisionBAGDAD
Census Block Group2
Census Block2036
Census Tract10709

Owner

Source: Santa Rosa County records · APN 22-1N-28-1655-00000-0290

Assessment roll updated July 1, 2024 · Last verified November 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address6780 JOY ST, MILTON, FL 32583-9037
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 22, 2022Warranty Deed, Transfer · Conventional Mortgage
FREEDOM MORTGAGE CORP
May 14, 2021Deed of Trust, Mortgage · Conventional Mortgage
KELLER MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 22, 2022 · Amount on Record
Deed SaleSep 22, 2022 · Amount on Record
Prior SaleFeb 15, 2010 · Amount on Record
Deed Document Number0043281901
Deed Book / Page4328 / 1901
Record UpdatedJun 08, 2026

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 22, 2022
Property Address6780 JOY ST, MILTON, FL 32583-9037
Document Number0043281901
Book / Page4328 / 1901
Map ReferenceMB B PG 159
Instrument DateSep 22, 2022
Instrument202254813
Transaction TypeTransfer
Record UpdatedNov 02, 2022
Title CompanyGUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,030.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6780 JOY ST, 6780, MILTON, FL 32583-9037

Transferred To (Grantee/Buyer)

NameVerified Name
Address14906 W CARIBBEAN LN, SUN CITY, AZ 85379-6139

Mortgage

Document Number0043281903
DateSep 22, 2022
Instrument4328/1903
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2052

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address6780 JOY ST, MILTON, FL 32583-9037
Transaction TypeMortgage
Record UpdatedJun 21, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address6780 JOY ST, MILTON, FL 32583-9037

Mortgage

Document Number0041181499
DateMay 14, 2021
Book Page4118/1499
Instrument202132457
Lender
NameKELLER MORTGAGE LLC
TypeMortgage Company
AddressDUBLIN, OH 43016
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta 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.

YearTax BillAssessed ValueAssessed Market Value
2024$2,196.00 (+2.04%) Homeowner's exemption Disabled Person's exemption$231,593 (+3%)$236,744 (+5.29%) Land $25,000 Building $211,744
2023$2,152.00 (+79.03%) Homeowner's exemption$224,848 (+70.82%) Land $25,000 Building $199,848$224,848 (+15.69%) Land $25,000 Building $199,848
2022$1,202.00 Homeowner's exemption$131,626$194,355 Land $9,500 Building $184,855

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 121130107092, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 56 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies56 in force
Nearby Flood Claims6 (2017–2023)
Claims Outside the SFHA4 of 6
Most Recent ClaimFeb 2023, other causes
Claims By Storm
  • Hurricane Sally, Sep 2020 · 4 claims

Wildfire

Wildfire RiskHigh
above 71% of the US · above 52% of Florida
Wildfire LikelihoodAbout 1 in 427 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 131 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Mediacom CommunicationsCable1,000 / 50
VerizonFixed Wireless300 / 20
AT&TDSL100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

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