6895 Joyce Dr, Milton, FL 32570 Property Records

Santa Rosa County property record for 6895 Joyce Dr, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,507 sqft · built 1980
Lot Size	0.382 acres (16,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,000 (Jul 2023)
Tax Bill	$1,563 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-2N-28-0000-00339-0000`

Property Details

APN / Parcel Number

Primary APN	`16-2N-28-0000-00339-0000`
Alternative APN	`N282160000003390000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,507 sqft Living Area
Gross Area	2,461 sqft
1st Floor Area	1,507 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,640 sqft (0.382 acres)
Lot Dimensions	160 ft deep x 104 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	186 sqft
Deck Area	268 sqft
Shed	1 Shed
Shed Area	2 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6895 JOYCE DR
City	MILTON
State	FL
Zip	32570-6322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	DESC UPDATE FOR 2023 COM AT NE COR OF NW4 16-2N-28W TH N 8821'36 W 54.10 FT TO WLY R/W OF STATE RD 87 TH S 0001'29 E 1345 FT TO I/S WITH SLY R/W OF BAYBERRY ST TH N 88*21'36 W ALONG R/W 540 FT TO I/ S WITH WLY R/W OF JOYCE RD FOR POB TH CONT N 88
Legal Range	28W
Legal Township	2N
Legal Section	16
Jurisdiction	SANTA ROSA FL
Township / Civil Division	SKYLINE
Census Block Group	1
Census Block	1026
Census Tract	10506

Owner

Source: Santa Rosa County records, as of October 12, 2026

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	6895 JOYCE DR, MILTON, FL 32570-6322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Warranty Deed, Transfer · Conventional Mortgage FIDELITY BANK
May 23, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2023 · Amount on Record
Deed Sale	Jul 31, 2023 · Amount on Record
Deed Document Number	202334183
Deed Book / Page	4419 / 1747
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 31, 2023
Property Address	6895 JOYCE DR, MILTON, FL 32570-6322
Document Number	0044191747
Book / Page	4419 / 1747
Instrument Date	Jun 30, 2023
Instrument	202334183
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,379.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6895 JOYCE DR, MILTON, FL 32570-6322

Mortgage

Document Number	0044191749
Date	Jul 31, 2023
Instrument	4419/1749

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

Mortgage

Document Number	0044191763
Date	Jul 31, 2023
Book Page	4419/1763
Instrument	202334185

Lender

Name	SANTA ROSA COUNTY FCU
Type	Credit Union
Address	MILTON, FL 32583

Agreement

Amount	Amount Recorded

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6895 JOYCE DR, MILTON, FL 32570-6322
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036261977
Date	May 23, 2017
Book Page	3626/1977
Instrument	201720770

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,563.00 (+4.34%) Homeowner's exemption	$163,441 (+2.02%) Land $14,875 Building $148,566	$163,441 (+2.02%) Land $14,875 Building $148,566
2024	$1,498.00 (-21.61%) Homeowner's exemption	$160,205 (+2.85%) Land $14,875 Building $145,330	$160,205 (+2.85%) Land $14,875 Building $145,330
2023	$1,911.00 (+0.16%)	$155,765 (+1.17%) Land $14,875 Building $140,890	$155,765 (+1.17%) Land $14,875 Building $140,890
2022	$1,908.00	$153,962	$153,962 Land $14,875 Building $139,087

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
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct 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 System	POINT BAKER WATER SYSTEM, INC. private · serves 11,318 people · EPA ID FL1570540
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fixed Wireless	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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