6885 Kapok Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 6885 Kapok Dr, Milton, FL 32583

Property Summary

Property TypeTownhouse
Details3 bd · 2 ba · 1,262 sqft · built 1998
Lot Size0.088 acres (3,833 sqft)
OwnerIndividual Name on File
Last Sale$225,000 (May 2026)
Tax Bill$1,713 (2025)
Deeds & MortgagesMay 2026 Sale & Mortgage
May 2026 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN22-1N-28-5455-00B00-0080

Property Details

APN / Parcel Number

Primary APN22-1N-28-5455-00B00-0080
Alternative APN
  • N28122545500B000080

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,262 sqft Living Area
Gross Area1,400 sqft
1st Floor Area1,262 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Architectural StyleTownhouse
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area3,833 sqft (0.088 acres)
Lot Dimensions110 ft deep x 35 ft wide
PorchFlorida Room
Porch Area132 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address6885 KAPOK DR
CityMILTON
StateFL
Zip32583-7621
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeR2
Legal DescriptionTIMBERLAND HILLS PHASE ONE LOT 8 BLK B AS DES IN OR 4474 PG 2041 & AS DES IN OR 4489 PG 342
Legal Range28W
Legal Township1N
Legal Section22
Legal SubdivisionTIMBERLAND HILLS
Legal BlockB
Legal Lot Number8
JurisdictionSANTA ROSA FL
Township / Civil DivisionBAGDAD
Census Block Group2
Census Block2024
Census Tract10709

Owner

6885 Kapok Dr, a townhouse, is owned and occupied by an individual who bought it in May 2026.

Source: Santa Rosa County records, as of August 24, 2026

Owner of RecordIndividual Name on File
Mailing Address6885 KAPOK DR, MILTON, FL 32583-7621
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

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

DateDocument
May 8, 2026Warranty Deed, Transfer · FHA Mortgage
MORTGAGE MORTGAGE
May 8, 2026Warranty Deed, Transfer · FHA Mortgage
MORTGAGE FIRM
Feb 16, 2024Warranty Deed, Transfer
RELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 8, 2026 · Amount on File
Deed SaleMay 8, 2026 · Amount on File
Prior SaleFeb 16, 2024 · Amount on File
Deed Document Number202623292
Deed Book / Page4741 / 1913
Record UpdatedOct 29, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMay 8, 2026
Property Address6885 KAPOK DR, MILTON, FL 32583-7621
Document Number0000023292
Book / Page4741 / 1913
Instrument DateMay 7, 2026
Instrument202623292
Transaction TypeTransfer
Record UpdatedAug 24, 2026
Title CompanyRELIABLE TITLE, RELIABLE LAND TITLE

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$159,075.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6885 KAPOK DR, MILTON, FL 32583-7621

Mortgage

Document Number0000023293,
DateMay 8, 2026
Book Page4741/1915
Instrument202623293
Lender
NameMORTGAGE MORTGAGE
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2056
Interest
Max Rate-1%

Mortgage

Document Number0047411931,
DateMay 8, 2026
Book Page4741/1931
Instrument202623294
Lender
NameHOUSING FINANCE CORPORATION FLORIDA
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2056
Interest
Max Rate-1%

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMay 8, 2026
Property Address6885 KAPOK DR, MILTON, FL 32583-7621
Document Number0047411913
Book / Page4741 / 1913
Instrument DateMay 7, 2026
Instrument2026.23292
Transaction TypeTransfer
Record UpdatedMay 28, 2026
Title CompanyRELIABLE LAND TITLE

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$159,075.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6885 KAPOK DR, MILTON, FL 32583-7621

Mortgage

Document Number0000023293,
DateMay 8, 2026
Book Page4741/1915
Instrument2026.23293
Lender
NameMORTGAGE FIRM
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2056
Interest
Rate6.38%
Max Rate-1%

Mortgage

Document Number0000023294,
DateMay 8, 2026
Book Page4741/1931
Instrument2026.23294
Lender
NameFLORIDA HOUSING FINANCE CORP
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term30 Months
DueJun 1, 2056
Interest
Rate6.38%
Max Rate-1%

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateFeb 16, 2024
Property Address6885 KAPOK DR, MILTON, FL 32583-7621
Document Number0044742041
Book / Page4474 / 2041
Map ReferenceMB G PG 61
Instrument DateFeb 14, 2024
Instrument202406872
Transaction TypeTransfer
Record UpdatedApr 18, 2024
Title CompanyRELIABLE LAND TITLE CORPORATION, RELIABLE LAND TITLE CORP

Transaction

AmountAmount on Record
Tax$700.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6887 KAPOK DR, MILTON, FL 32583-7621

Transferred To (Grantee/Buyer)

NameVerified Name
Address1469 E SHORES BLVD, GULF BREEZE, FL 32563-8966

Tax Assessment & Valuation

The 2025 property tax bill for 6885 Kapok Dr was $1,713, up 170.2% from the year before.

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,713.00 (+170.19%)$138,194 (+64.03%) Land $25,000 Building $113,194$138,194 (+7.22%) Land $25,000 Building $113,194
2024$634.00 (+3.43%) Homeowner's exemption$84,251 (+3%)$128,892 (-0.54%) Land $15,000 Building $113,892
2023$613.00 (+3.55%) Homeowner's exemption$81,797 (+3%)$129,591 (+15.09%) Land $15,000 Building $114,591
2022$592.00 Homeowner's exemption$79,415$112,604 Land $9,500 Building $103,104

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.

Flood

FEMA maps place 6885 Kapok Dr 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 56 policies
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 Event
  • Hurricane Sally, Sep 2020 · 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

Wildfire risk around 6885 Kapok Dr is moderate, ranking above 65% 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 RiskModerate
above 65% of the US · above 42% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemBAGDAD-GARCON POINT WATER SYSTEM
public/private · serves 10,896 people · EPA ID FL1570042
Water SourceGroundwater
Last State InspectionNov 2025
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 300 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Mediacom Xtream
Cable
1,000 / 50
Verizon
Fixed Wireless
300 / 20
T-Mobile
Fixed Wireless
100 / 20

May also be available: AT&T.

Nearby Properties on Kapok Dr

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