6785 Joy St, Milton, FL 32583 Property Records

Santa Rosa County property record for 6785 Joy St, Milton, FL 32583 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 2022
Lot Size	0.448 acres (19,558 sqft)
Owner	Individual Name on File
Last Sale	$272,500 (Jan 2023)
Tax Bill	$2,158 (2024)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Mar 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`22-1N-28-1655-00000-0370`

Property Details

APN / Parcel Number

Primary APN	`22-1N-28-1655-00000-0370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,440 sqft Heated Area
1st Floor Area	1,776 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Vinyl
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	19,558 sqft (0.448 acres)
Lot Dimensions	1,400 ft deep x 1,400 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	221N281655000000370
Street Address	6785 JOY ST
City	MILTON
State	FL
Zip	32583-9004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAPPY ACRES LOT 37 AS DES IN OR 4360 PG 960
Legal Range	28W
Legal Township	01N
Legal Section	22
Legal Subdivision	HAPPY ACRES
Legal Lot Number	37
Jurisdiction	SANTA ROSA FL
Township / Civil Division	BAGDAD
Census Block Group	2
Census Block	2025
Census Tract	10709

Owner

Source: Santa Rosa County records · APN 22-1N-28-1655-00000-0370

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 Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	6785 JOY ST, MILTON, FL 32583-9004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 11, 2022	Warranty Deed, Transfer ABSOLUTE TITLE/FLORIDA, ABSOLUTE TITLE OF FLORIDA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 19, 2023 · Amount on Record
Deed Sale	Jan 19, 2023 · Amount on Record
Prior Sale	Mar 11, 2022 · Amount on Record
Deed Document Number	202302340
Deed Book / Page	4360 / 960
Record Updated	Jun 08, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 19, 2023
Property Address	6785 JOY ST, MILTON, FL 32583-9004
Document Number	0043600960
Book / Page	4360 / 960
Map Reference	MB B PG 159
Instrument Date	Jan 13, 2023
Instrument	202302340
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	ABSOLUTE TITLE/FLORIDA, ABSOLUTE TITLE OF FLORIDA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,907.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5568 WOODBINE RD # 161, 161, MILTON, FL 32571-8766

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6785 JOY ST, MILTON, FL 32583-9004

Mortgage

Document Number	0004360961
Date	Jan 19, 2023
Instrument	4360/961

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2053

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 11, 2022
Property Address	6785 JOY ST, MILTON, FL 32583-9004
Document Number	0042570452
Book / Page	4257 / 452
Map Reference	MB B PG 159
Instrument Date	Mar 01, 2022
Instrument	202214724
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	ABSOLUTE TITLE/FLORIDA, ABSOLUTE TITLE OF FLORIDA

Transaction

Amount	Amount Recorded
Tax	$101.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 RACETRACK RD NE, FORT WALTON BEACH, FL 32547-1882

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5568 WOODBINE RD, PACE, FL 32571-8766

Tax Assessment & Valuation

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$2,158.00 (-13.54%) Homeowner's exemption	$218,213 (+5.74%) Land $35,000 Building $183,213	$218,213 (+5.74%) Land $35,000 Building $183,213
2023	$2,496.00 (+2,070.43%)	$206,373 (+2,072.35%) Land $35,000 Building $171,373	$206,373 (+2,072.35%) Land $35,000 Building $171,373
2022	$115.00	$9,500	$9,500 Land $9,500

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 56 individual NFIP policies nearby
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 Storm	Hurricane Sally, Sep 2020 · 4 claims

Wildfire

Wildfire Risk	High above 71% of the US · above 52% of Florida
Wildfire Likelihood	About 1 in 427 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.

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

Provider	Technology	Download / Upload (Mbps)
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20

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

Mobile Coverage

5G and 4G LTE

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