6860 Deception Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 6860 Deception Rd, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,201 sqft · built 2020
Lot Size	8.82 acres (384,635 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,807 (2024)
Deeds & Mortgages	Aug 2019 Construction Loan Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-2N-26-0000-00233-0000`

Property Details

APN / Parcel Number

Primary APN	`16-2N-26-0000-00233-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,201 sqft Heated Area
Gross Area	3,089 sqft
1st Floor Area	2,945 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	384,635 sqft (8.82 acres)
Lot Dimensions	11,000 ft deep x 1,800 ft wide
Garage Area	744 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	144 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	162N260000002330000
Street Address	6860 DECEPTION RD
City	MILTON
State	FL
Zip	32583-8186
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	NEW PARCEL 2019 SEP PER REQ E 1100 FT OF W 2250 FT OF S 390 FT OF N 2140 FT OF SECTION TOWNSHP 2 NORTH RANGE 26 WEST AS DES
Legal Range	26W
Legal Township	02N
Legal Section	16
Legal Subdivision	WEST
Jurisdiction	SANTA ROSA FL
Township / Civil Division	HAROLD
Census Block Group	1
Census Block	1054
Census Tract	10808

Owner

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

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	6860 DECEPTION RD, MILTON, FL 32583-8186
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2019	Deed of Trust, Mortgage · Construction Mortgage PEN AIR FEDERAL CU
Apr 7, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jun 18, 2020	Loan Modification, Mortgage PEN AIR FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6860 DECEPTION RD, MILTON, FL 32583-8186
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	RELIABLE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038641752
Date	Aug 29, 2019
Book Page	3864/1752
Instrument	201938437

Lender

Name	PEN AIR FEDERAL CU
Type	Credit Union
Address	PENSACOLA, FL 32514

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.62%
Index	1-Year LIBOR
Max Rate	10.6%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6860 DECEPTION RD, MILTON, FL 32583-8186
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6860 DECEPTION RD, MILTON, FL 32583-8186

Mortgage

Document Number	0041000519
Date	Apr 7, 2021
Book Page	4100/519
Instrument	202122972

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Property Address	6860 DECEPTION RD, MILTON, FL 32583-8186
Document Number	0039691288
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6860 DECEPTION ROAD MILTON MILTON FL 32583, MILTON, FL 32583

Mortgage

Document Number	0039691288
Date	Jun 29, 2020
Book Page	003969/001288
Instrument	31841

Lender

Name	PEN AIR FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2050

Interest

Rate	4.62%

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	$2,807.00 (+1.74%) Homeowner's exemption	$270,432 (+3%)	$334,722 (+0.78%) Land $84,844 Building $249,878
2023	$2,759.00 (+2.3%) Homeowner's exemption	$262,554 (+3%)	$332,134 (+16.61%) Land $84,844 Building $247,290
2022	$2,697.00 Homeowner's exemption	$254,907	$284,815 Land $37,583 Building $247,232

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

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	13 (1998–2020)
Claims Outside the SFHA	3 of 13
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 claims Hurricane Frances, Sep 2004 · 4 claims Hurricane Georges, Sep 1998 · 4 claims

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	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.2% 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Mediacom Xtream Fixed Wireless	100 / 20
AT&T DSL	25 / 5

May also be available: T-Mobile, Verizon.

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