Santa Rosa County property record for 6781 Joy St, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,212 sqft |
| Lot Size | 0.241 acres (10,498 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,000 (Apr 2026) |
| Tax Bill | $187 (2024) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-1N-28-1655-00000-0380 |
| Primary APN | 22-1N-28-1655-00000-0380 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,212 sqft Living Area |
| Gross Area | 1,704 sqft |
| 1st Floor Area | 1,212 sqft |
| Exterior Material | Concrete |
|---|---|
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 10,498 sqft (0.241 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 6781 JOY ST |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32583-9004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HAPPY ACRES LOT 38 AS DES IN OR 4580 PG 565 |
| Legal Range | 28W |
| Legal Township | 1N |
| Legal Section | 22 |
| Legal Subdivision | HAPPY ACRES |
| Legal Lot Number | 38 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | BAGDAD |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 10709 |
6781 Joy St is owned by an individual who bought it in April 2026.
Source: Santa Rosa County records, as of April 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 270 COBB PKWY S, 140, MARIETTA, GA 30060-6519 |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Apr 2, 2026 | Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC |
| Apr 2, 2026 | Warranty Deed, Subdivision Related Transfer · VA Mortgage ROCKET MORTGAGE LLC |
| Jan 17, 2025 | Warranty Deed, Transfer CLEAR TTL OF NORTHWEST FL LL |
| Dec 19, 2022 | Intrafamily Transfer, Transfer |
| Nov 7, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2026 · Amount on File |
| Deed Sale | Apr 2, 2026 · Amount on File |
| Prior Sale | Jan 17, 2025 · Amount on File |
| Deed Document Number | 202616527 |
| Deed Book / Page | 4727 / 1498 |
| Prior Transfer Date | Dec 19, 2022 |
| Prior Transfer Doc | 0043522060 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 2, 2026 |
| Property Address | 6781 JOY ST, MILTON, FL 32583-9004 |
| Document Number | 0000016527 |
| Book / Page | 4727 / 1498 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 202616527 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2026 |
| Title Company | CLEAR TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190,890.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000016528, |
|---|---|
| Date | Apr 2, 2026 |
| Instrument | 202616528 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 2, 2026 |
| Property Address | 6781 JOY ST, MILTON, FL 32583-9004 |
| Document Number | 0047271498 |
| Book / Page | 4727 / 1498 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 202616527 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | CLEAR TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190,890.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000016528, |
|---|---|
| Date | Apr 2, 2026 |
| Instrument | 202616528 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 17, 2025 |
| Property Address | 6781 JOY ST, MILTON, FL 32583-9004 |
| Document Number | 0045800565 |
| Book / Page | 4580 / 565 |
| Map Reference | MB B PG 159 |
| Instrument Date | Jan 10, 2025 |
| Instrument | 202502608 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | CLEAR TTL OF NORTHWEST FL LL |
| Amount | Amount on Record |
|---|---|
| Tax | $245.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3109 TRICIA CIR, CRESTVIEW, FL 32539-6226 |
| Name | Verified Name |
|---|---|
| Address | 4164 HUCKLEBERRY FINN RD, MILTON, FL 32583-4612 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 19, 2022 |
| Property Address | 6781 JOY ST, MILTON, FL 32583-9004 |
| Document Number | 0043522060 |
| Book / Page | 4352 / 2060 |
| Map Reference | MB B PG 159 |
| Instrument Date | Dec 19, 2022 |
| Instrument | 202268756 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 941 VALLEY RDA, CRESTVIEW, FL 32539 |
| Name | Verified Name |
|---|---|
| Address | 941 VALLEY RD # A, A, CRESTVIEW, FL 32539-9419 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 7, 2017 |
| Property Address | 6781 JOY ST, MILTON, FL 32583-9004 |
| Document Number | 0036761057 |
| Book / Page | 003676 / 001057 |
| Instrument Date | Nov 6, 2017 |
| Instrument | 46328 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2480 LAKEVIEW DR S CRESTVIEW FL 325369339, CRESTVIEW, FL 32536-9339 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $32,000 (+42.22%) Land $32,000 | $32,000 (+42.22%) Land $32,000 | |
| 2024 | $187.00 (+1.63%) | $22,500 (-) Land $22,500 | $22,500 (-) Land $22,500 |
| 2023 | $184.00 (+75.24%) | $22,500 (+163.16%) Land $22,500 | $22,500 (+163.16%) Land $22,500 |
| 2022 | $105.00 | $8,550 | $8,550 Land $8,550 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 6781 Joy St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2017.
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 File median of 56 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 56 in force |
| Nearby Flood Claims | 6 (2017–2023) |
| Claims Outside the SFHA | 4 of 6 |
| Most Recent Claim | Feb 2023 · other causes |
| Claims by Event |
|
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 risk around 6781 Joy St is high, ranking above 70% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 52% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | BAGDAD-GARCON POINT WATER SYSTEM public/private · serves 10,896 people · EPA ID FL1570042 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 131 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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