6825 Oser Rd, Milton, FL 32570 Property Records

Santa Rosa County property record for 6825 Oser Rd, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,708 sqft · built 2019
Lot Size	7.59 acres (330,620 sqft)
Owner	2 Owner Names on File
Last Sale	$15,800 (Jun 2014)
Tax Bill	$3,881 (2024)
Deeds & Mortgages	Feb 2021 Mortgage May 2019 Loan Modification + 1 more
Flood Zone	Zone AE (high risk)
APN	`14-2N-29-0000-00329-0000`

Property Details

APN / Parcel Number

Primary APN	`14-2N-29-0000-00329-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,708 sqft Heated Area
Gross Area	3,854 sqft
1st Floor Area	3,384 sqft
Flooring	Laminate Plank
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Fiber Cement Siding
Construction Type	Wood Frame
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	330,620 sqft (7.59 acres)
Garage Area	676 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	470 sqft
Shed	1 Shed
Shed Area	1 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	142N290000003290000
Street Address	6825 OSER RD
City	MILTON
State	FL
Zip	32570-2513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	NEW PARCEL FOR 2013 DES AS FOLLOWS: COM AT SE SEC CORN THN N8855'19W ON S SEC LN 1327.75 FT THN N224'54E 1320.84 FT THN
Legal Range	29W
Legal Township	02N
Legal Section	14
Legal Subdivision	OF AN UNREC SUBD
Legal Lot Number	5
Jurisdiction	SANTA ROSA FL
Township / Civil Division	SKYLINE
Census Block Group	1
Census Block	1024
Census Tract	10506

Owner

The current owner of 6825 Oser Rd bought it in June 2014.

Source: Santa Rosa County records, as of October 27, 2025

Owner of Record	2 Owner Names on File
Mailing Address	6825 OSER RD, MILTON, FL 32570-2513
Occupancy	Owner Occupied

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC
May 23, 2019	Loan Modification, Mortgage HANCOCK WHITNEY BK
Jun 26, 2018	Deed of Trust, Mortgage HANCOCK WHITNEY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2014 · Amount on File
Deed Sale	Jun 27, 2014 · Amount on File
Deed Document Number	0003353661
Deed Book / Page	3353 / 661
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6825 OSER RD, MILTON, FL 32570-2513
Transaction Type	Mortgage
Record Updated	May 3, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6825 OSER RD, MILTON, FL 32570-2513

Mortgage

Document Number	0040730942
Date	Feb 18, 2021
Book Page	4073/942
Instrument	202110539

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2041

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Property Address	6825 OSER RD, MILTON, FL 32570-2513
Document Number	0038400584
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6825 OSER RD MILTON FL 325702513, MILTON, FL 32570-2513

Mortgage

Document Number	0038400584
Date	Jun 17, 2019
Book Page	003840/000584
Instrument	25560

Lender

Name	HANCOCK WHITNEY BK
Address	NEW ORLEANS, LA 70122

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6825 OSER RD, MILTON, FL 32570-2513
Document Number	0037421552
Instrument Date	Jun 26, 2018
Transaction Type	Mortgage
Record Updated	Sep 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6825 OSER RD MILTON FL 32570, MILTON, FL 32570

Mortgage

Document Number	0037421552
Date	Jun 28, 2018
Book Page	003742/001552
Instrument	27491

Lender

Name	HANCOCK WHITNEY BK
Address	GULFPORT, MS 39502

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$3,881.00 (+13.41%) Homeowner's exemption	$355,176 (+11.03%)	$417,699 (+7.42%) Land $79,562 Building $338,137
2023	$3,422.00 (+2.24%) Homeowner's exemption	$319,899 (+3%)	$388,858 (+4.1%) Land $79,562 Building $309,296
2022	$3,347.00 Homeowner's exemption	$310,582	$373,550 Land $72,743 Building $300,807

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6825 Oser Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 6825 Oser Rd is high, ranking above 70% of the US, with a 0.3% 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	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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