6901 Cross St, Milton, FL 32583 Property Records

Santa Rosa County property record for 6901 Cross St, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,544 sqft · built 1991
Lot Size	0.47 acres (20,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$63,000 (Jan 1991)
Tax Bill	$2,008 (2024)
Deeds & Mortgages	Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-1N-28-0120-03300-0020`

Property Details

APN / Parcel Number

Primary APN	`15-1N-28-0120-03300-0020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,544 sqft Heated Area
Gross Area	2,300 sqft
1st Floor Area	2,006 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Exterior Material	Brick
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	20,500 sqft (0.47 acres)
Lot Dimensions	1,000 ft deep x 2,050 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	234 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	151N280120033000020
Street Address	6901 CROSS ST
City	MILTON
State	FL
Zip	32583-4117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR1
Legal Description	BAGDAD LOT 2 BLK 33 AS DES IN OR 1145 PG 796
Legal Range	28W
Legal Township	01N
Legal Section	15
Legal Subdivision	BAGDAD & ADD/RESUB
Legal Block	33
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	BAGDAD
Census Block Group	1
Census Block	1049
Census Tract	10709

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bagdad Village Historic District listed 1987 · 144 contributing resources · NRIS 87001991

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	11604 S TORRENCE AVE, CHICAGO, IL 60617-7209
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 1, 1991 · Amount on Record
Deed Sale	Jan 1, 1991 · Amount on Record
Deed Document Number	0001145796
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6901 CROSS ST, MILTON, FL 32583-4117
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037150028
Date	Apr 2, 2018
Book Page	3715/0028
Instrument	201812710

Lender

Name	CHARTER BANK
Type	Bank
Address	WEST POINT, GA 31833

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.8%
Type Change Date	Apr 1, 2023
Change Frequency	Annually
Min Rate At Change	2.8%
Max Rate At Change	6.8%
Index	Other
Margin	1
Max Rate	10.8%

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	$2,008.00 (+6.47%)	$171,492 (+7.23%) Land $32,697 Building $138,795	$171,492 (+7.23%) Land $32,697 Building $138,795
2023	$1,886.00 (+4.03%)	$159,926 (+1.05%) Land $22,888 Building $137,038	$159,926 (+1.05%) Land $22,888 Building $137,038
2022	$1,813.00	$158,257	$158,257 Land $22,888 Building $135,369

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 24 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	5 (2020)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 5 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 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% 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	BAGDAD-GARCON POINT WATER SYSTEM public/private · serves 10,896 people · EPA ID FL1570042
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20