7046 Oser Rd, Milton, FL 32570 Property Records

Santa Rosa County property record for 7046 Oser Rd, Milton, FL 32570

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,089 sqft · built 2022
Lot Size	2.55 acres (111,078 sqft)
Owner	2 Individual Names on Record
Last Sale	$36,000 (Jul 2020)
Tax Bill	$3,537 (2025)
Deeds & Mortgages	Apr 2021 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`11-2N-29-0000-00154-0000`

Property Details

APN / Parcel Number

Primary APN	`11-2N-29-0000-00154-0000`
Alternative APN	`N292110000001540000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,089 sqft Living Area
Gross Area	2,977 sqft
1st Floor Area	2,089 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	111,078 sqft (2.55 acres)
Garage Type	Attached
Garage Area	564 sqft
Porch	Slab
Porch Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7046 OSER RD
City	MILTON
State	FL
Zip	32570-2524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	NEW PARCEL FOR 2020 TAX ROLL COM AT SW CORNER OF SECTION 11 TOWNSHIP 2 NORTH RANGE 29 WEST THN S891311E 1940.45 FT TO POB THN N15727E 279.81 FT THN S880236E 400 FT THN TO W R/W OF OSER RD THN S15727 W ALONG RD 44.12 FT THN CONT ALONG SAID R/W F
Legal Range	29W
Legal Township	2N
Legal Section	11
Jurisdiction	SANTA ROSA FL
Township / Civil Division	SKYLINE
Census Block Group	1
Census Block	1015
Census Tract	10506

Owner

Source: Santa Rosa County records, as of July 22, 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	7046 OSER RD, MILTON, FL 32570-2524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2020 · Amount on Record
Deed Sale	Jul 23, 2020 · Amount on Record
Deed Document Number	202036648
Deed Book / Page	3980 / 524
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7046 OSER RD, MILTON, FL 32570-2524
Transaction Type	Mortgage
Record Updated	Apr 16, 2024
Title Company	RELIABLE TITLE, RELIABLE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9104 IRON GATE BLVD, MILTON, FL 32570-7770

Mortgage

Document Number	0041091147
Date	Apr 27, 2021
Book Page	4109/1147
Instrument	202127694

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	May 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

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	$3,537.00 (-8.58%) Homeowner's exemption	$330,662 (+1.37%) Land $62,985 Building $267,677	$330,662 (+1.37%) Land $62,985 Building $267,677
2024	$3,869.00 (+3.89%)	$326,207 (+1.45%) Land $62,985 Building $263,222	$326,207 (+1.45%) Land $62,985 Building $263,222
2023	$3,724.00 (+621.71%)	$321,532 (+503.31%) Land $62,985 Building $258,547	$321,532 (+503.31%) Land $62,985 Building $258,547
2022	$516.00	$53,295	$53,295 Land $53,295

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.3% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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