6985 Deception Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 6985 Deception Rd, Milton, FL 32583 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2.5 Baths
Year Built	Built 1978
Square Footage	2,363 sqft Living Area
Lot Size	609,840 sqft (14 acres)
Occupancy	Owner Occupied
Last Sale	$432,600 (2025)
Tax Bill	$1,973.00 (2025)

Owner

Source: Santa Rosa County records · APN 16-2N-26-0000-00113-0000

Assessment roll updated December 8, 2025 · Last verified May 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 File
Mailing Address	6985 DECEPTION RD, MILTON, FL 32583-8189
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2025	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Jan 03, 2022	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jul 24, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 28, 2025 · Amount on Record
Deed Sale	Jan 28, 2025 · Amount on Record
Prior Sale	May 28, 2014 · Amount on Record
Deed Doc Number	20253335
Deed Book / Page	4581 / 990
Record Refreshed	Jun 08, 2026

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 28, 2025
Property Address	6985 DECEPTION RD, MILTON, FL 32583-8189
Document Number	0045810990
Book / Page	4581 / 990
Instrument Date	Jan 17, 2025
Instrument	202503335
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	CLEAR TTL OF NORTHWEST FL LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,028.20
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5938 PARSONAGE CIR, MILTON, FL 32570-8927

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6985 DECEPTION RD, MILTON, FL 32583-8189

Mortgage

Document Number	0202503336
Date	Jan 28, 2025
Instrument	202503336

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2055

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6985 DECEPTION RD, MILTON, FL 32583-8189
Transaction Type	Mortgage
Record Updated	Feb 08, 2022
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6985 DECEPTION RD, MILTON, FL 32583-8189

Mortgage

Document Number	0042281613
Date	Jan 03, 2022
Book Page	4228/1613
Instrument	202200159

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6985 DECEPTION RD, MILTON, FL 32583-8189
Document Number	0038551062
Instrument Date	Jul 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 03, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6985 DECEPTION RD MILTON FL 325838189, MILTON, FL 32583-8189

Mortgage

Document Number	0038551062
Date	Jul 31, 2019
Book Page	003855/001062
Instrument	33412

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jul 30, 2059

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,973.00 (+5.68%)	$193,296 (+2.9%)	$336,305 (+2.52%) Land $127,400 Building $208,905
2024	$1,867.00 (+1.91%) Homeowner's exemption	$187,848 (+3%)	$328,048 (+0.82%) Land $126,000 Building $202,048
2023	$1,832.00 (+2.46%) Homeowner's exemption	$182,377 (+3%)	$325,378 (+15.04%) Land $126,000 Building $199,378
2022	$1,788.00 Homeowner's exemption	$177,065	$282,828 Land $84,000 Building $198,828

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 67% of the US · above 44% of Florida
Wildfire Likelihood	About 1 in 503 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`16-2N-26-0000-00113-0000`
Alternative APN	`N262160000001130000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,363 sqft Living Area
Gross Area	3,385 sqft Gross Area
1st Floor	2,363 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Brick Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Asphalt Roof
Lot Area	609,840 sqft (14 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	550 sqft Garage

Exterior Amenities

Shed	1 Shed
Shed Area	384 sqft Shed
Deck Area	231 sqft Deck
Porch Area	472 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	6985 DECEPTION RD
City	MILTON
State	FL
Zip	32583-8189
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	REDESCRIBED IN 2025 16-2N-26W: PARCEL A COM AT NW SEC COR , THN S000106E 12.70FT TO S RW BOUNDARY LINE RD &POB, THN N885240E 1100.20FT ALNG RW TO W RW DECEPTION RD, THN S000106E 589.51FT ALNG W R/W, THN N895756W 1100.00FT TO W SEC LN, THN N0
Legal Range	26W
Legal Township	2N
Legal Section	16
Jurisdiction	SANTA ROSA FL
Minor Civil Division	HAROLD
Census Blockgroup	1
Census Block	1052
Census Tract	10808

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