8974 Skip Stone Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 8974 Skip Stone Rd, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,099 sqft · built 2020
Lot Size	0.137 acres (5,968 sqft)
Owner	Individual Name on Record
Last Sale	$283,900 (Dec 2020)
Tax Bill	$2,837 (2024)
Deeds & Mortgages	Feb 2022 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-1N-27-6195-00K00-0010`

Property Details

APN / Parcel Number

Primary APN	`21-1N-27-6195-00K00-0010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,099 sqft Heated Area
1st Floor Area	2,540 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	5,968 sqft (0.137 acres)
Lot Dimensions	1,200 ft deep x 500 ft wide
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	187 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	211N27619500K000010
Street Address	8974 SKIP STONE RD
City	MILTON
State	FL
Zip	32583-2479
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	YELLOW RIVER RANCH PHASE 1 LOT 1 BLK K AS DES OR 4050 PG 1660
Legal Range	27W
Legal Township	01N
Legal Section	21
Legal Subdivision	RIVER RANCH
Legal Phase	1
Legal Block	K
Legal Lot Number	1
Jurisdiction	SANTA ROSA FL
Township / Civil Division	EAST MILTON
Census Block Group	4
Census Block	4004
Census Tract	10809

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	8974 SKIP STONE RD, MILTON, FL 32583-2479
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 31, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2020 · Amount on Record
Deed Sale	Dec 31, 2020 · Amount on Record
Prior Sale	May 18, 2020 · Amount on Record
Deed Document Number	202071185
Deed Book / Page	4050 / 1660
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	8974 SKIP STONE RD, MILTON, FL 32583-2479
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8974 SKIP STONE RD, MILTON, FL 32583-2479

Mortgage

Document Number	0042400512
Date	Feb 1, 2022
Book Page	4240/512
Instrument	202205930

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

December 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 31, 2020
Property Address	8974 SKIP STONE RD, MILTON, FL 32583-2479
Document Number	0040501660
Book / Page	4050 / 1660
Map Reference	MB 13 PG 10&11
Instrument Date	Dec 29, 2020
Instrument	202071185
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 2, 2022
Title Company	HB TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,987.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2293 W FAU GALLIE BLVD, 2293, MELBOURNE, FL 32935

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8974 SKIP STONE RD, MILTON, FL 32583-2479

Mortgage

Document Number	0040501663
Date	Dec 31, 2020
Instrument	4050/1663

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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	$2,837.00 (+1.72%) Homeowner's exemption	$273,078 (+3%)	$287,348 (-0.68%) Land $40,000 Building $247,348
2023	$2,789.00 (+2.31%) Homeowner's exemption	$265,124 (+3%)	$289,314 (+9.5%) Land $40,000 Building $249,314
2022	$2,726.00 Homeowner's exemption	$257,402	$264,222 Land $38,000 Building $226,222

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 145 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	145 in force
Nearby Flood Claims	50 (1995–2023)
Claims Outside the SFHA	1 of 50
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 42 claims Hurricane Frances, Sep 2004 · 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 67% of the US · above 47% 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.

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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

May also be available: Mediacom Xtream, T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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