7124 W Gardner St, Milton, FL 32583 Property Records

Santa Rosa County property record for 7124 W Gardner St, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,483 sqft · built 1993
Lot Size	0.702 acres (30,579 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Oct 2020)
Tax Bill	$1,963 (2024)
Deeds & Mortgages	Dec 2022 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-1N-28-1330-00000-0100`

Property Details

APN / Parcel Number

Primary APN	`02-1N-28-1330-00000-0100`
Alternative APN	`N281021330000000100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,483 sqft Living Area
Gross Area	2,628 sqft
1st Floor Area	1,483 sqft
Utility Area	72 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	30,579 sqft (0.702 acres)
Lot Dimensions	340 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	473 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7124 W GARDNER ST
City	MILTON
State	FL
Zip	32583-5460
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HEDWIG J GARDINER LOT 10 & W 15 FT OF LOT 11 AS DES IN OR 4016 PG 1409
Legal Range	28W
Legal Township	1N
Legal Section	02
Legal Subdivision	GARDINER HEDWIG J
Legal Lot Number	10
Jurisdiction	SANTA ROSA FL
Township / Civil Division	EAST MILTON
Census Block Group	1
Census Block	1046
Census Tract	10809

Owner

7124 W Gardner St is owned and occupied by an individual who bought it in October 2020.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	7124 W GARDNER ST, MILTON, FL 32583-5460
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Dec 22, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 20, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2020 · Amount on File
Deed Sale	Oct 20, 2020 · Amount on File
Deed Document Number	202054245
Deed Book / Page	4016 / 1409
Prior Transfer Date	Dec 13, 2017
Prior Transfer Doc	0037041170
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7124 W GARDNER ST, MILTON, FL 32583-5460
Transaction Type	Mortgage
Record Updated	Jan 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7124 W GARDNER ST, MILTON, FL 32583-5460

Mortgage

Document Number	0043540868
Date	Dec 22, 2022
Book Page	4354/868
Instrument	202269506

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Dec 16, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 20, 2020
Property Address	7124 W GARDNER ST, MILTON, FL 32583-5460
Document Number	0040161409
Book / Page	4016 / 1409
Map Reference	MB A PG 87
Instrument Date	Oct 16, 2020
Instrument	202054245
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	700 MITCHELL BRIDGE RD APT 146, 700, ATHENS, GA 30606-6466

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7124 W GARDNER ST, MILTON, FL 32583-5460

Mortgage

Document Number	0040161412
Date	Oct 20, 2020
Instrument	4016/1412

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

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		$166,218 (+2.01%) Land $12,000 Building $154,218	$166,218 (+2.01%) Land $12,000 Building $154,218
2024	$1,963.00 (+0.05%)	$162,937 (+1.72%) Land $11,772 Building $151,165	$162,937 (+1.72%) Land $11,772 Building $151,165
2023	$1,962.00 (+2.24%)	$160,186 (+1.05%) Land $9,810 Building $150,376	$160,186 (+1.05%) Land $9,810 Building $150,376
2022	$1,919.00	$158,525	$158,525 Land $9,319 Building $149,206

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7124 W Gardner St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 44 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	78 (1979–2021)
Claims Outside the SFHA	16 of 78
Most Recent Claim	Jun 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 15 claims Hurricane Frances, Sep 2004 · 24 claims Hurricane Georges, Oct 1998 · 10 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 7124 W Gardner St is high, ranking above 70% 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 Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.2% 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	EAST MILTON WATER SYSTEM public/private · serves 17,292 people · EPA ID FL1570232
Water Source	Groundwater
Last State Inspection	Feb 2023
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 124 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

May also be available: Cox Communications.

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