7620 River Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 7620 River Rd, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,239 sqft · built 2004
Lot Size	0.3 acres (13,081 sqft)
Owner	Individual Name on Record
Last Sale	$565,000 (Aug 2024)
Tax Bill	$4,938 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`25-2N-28-0000-01810-0000`

Property Details

APN / Parcel Number

Primary APN	`25-2N-28-0000-01810-0000`
Alternative APN	`N282250000018100000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,239 sqft Living Area
Gross Area	7,394 sqft
1st Floor Area	2,239 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,081 sqft (0.3 acres)

Exterior Amenities

Porch	Slab
Porch Area	5,055 sqft
Deck Area	25 sqft
Patio Area	63 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7620 RIVER RD
City	MILTON
State	FL
Zip	32583-8686
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	DESCRIPTION UPDATE FOR 2024 COM AT SE COR 25 2N 28W; THN N ON E SEC LN 1808.91 FT; THN W 1449.21 FT; THN S855300W 100 FT; THN N270200 W 173.3 FT +/- TO BLACKWATER RIVER FOR POB; THN S270200E 173. 3 FT +/-; THN S855300W 100 FT; THN N29*4100W 1
Legal Range	28W
Legal Township	2N
Legal Section	25
Jurisdiction	SANTA ROSA FL
Township / Civil Division	EAST MILTON
Census Block Group	2
Census Block	2003
Census Tract	10809

Owner

Source: Santa Rosa County records, as of April 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2620 SANDICREST DR, CANTONMENT, FL 32533-7659
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 16, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Oct 3, 2018	Warranty Deed, Transfer · Conventional with PMI JG WENTWORTH HM LNDG
Oct 23, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2024 · Amount on Record
Deed Sale	Aug 16, 2024 · Amount on Record
Prior Sale	Oct 3, 2018 · Amount on Record
Deed Document Number	202437237
Deed Book / Page	4533 / 614
Prior Transfer Date	Oct 26, 2004
Prior Transfer Doc	0000067647
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7620 RIVER RD, MILTON, FL 32583-8686
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040781647
Date	Mar 1, 2021
Book Page	4078/1647
Instrument	202112998

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	7620 RIVER RD, MILTON, FL 32583-8686
Document Number	0038712038
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7620 RIVER RD MILTON FL 325838686, MILTON, FL 32583-8686

Mortgage

Document Number	0038712038
Date	Sep 20, 2019
Book Page	003871/002038
Instrument	42092

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 3, 2018
Property Address	7620 RIVER RD, MILTON, FL 32583-8686
Document Number	0037711514
Book / Page	003771 / 001514
Instrument Date	Oct 3, 2018
Instrument	42780
Transaction Type	Transfer
Record Updated	Dec 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,688.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7620 RIVER RD MILTON FL 325838686, MILTON, FL 32583-8686

Mortgage

Document Number	37711517
Date	Oct 3, 2018
Book Page	003771/001517
Instrument	42781

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2048

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 23, 2017
Property Address	7620 RIVER RD, MILTON, FL 32583-8686
Document Number	0036721555
Book / Page	003672 / 001555
Instrument Date	Oct 20, 2017
Instrument	44302
Transaction Type	Transfer
Record Updated	Nov 2, 2017
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7620 RIVER RD MILTON FL 325838686, MILTON, FL 32583-8686

Mortgage

Document Number	36721557
Date	Oct 23, 2017
Book Page	003672/001557
Instrument	44303

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2047

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	$4,938.00 (+70.87%)	$415,172 (+49.47%) Land $75,000 Building $340,172	$415,172 (+1.3%) Land $75,000 Building $340,172
2024	$2,890.00 (+1.72%) Homeowner's exemption	$277,772 (+3%)	$409,857 (+9.28%) Land $75,000 Building $334,857
2023	$2,841.00 (+2.27%) Homeowner's exemption	$269,682 (+3%)	$375,039 (+8.38%) Land $45,000 Building $330,039
2022	$2,778.00 Homeowner's exemption	$261,827	$346,028 Land $32,500 Building $313,528

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.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 98 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	98 in force
Nearby Flood Claims	236 (1978–2020)
Claims Outside the SFHA	11 of 236
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 42 claims Hurricane Frances, Sep 2004 · 73 claims Hurricane Opal, Oct 1995 · 20 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 62% of the US · lower than 62% 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	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 10 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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