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949 Dolphin Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 949 Dolphin Rd, Milton, FL 32583

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,896 sqft · built 2019
Lot Size0.713 acres (31,100 sqft)
Owner2 Individual Names on File
Last Sale$150,000 (Jul 2016)
Tax Bill$739 (2024)
Deeds & MortgagesJun 2018 Mortgage
Jun 2019 Loan Modification
Flood ZoneZone AE (high risk)
APN28-1S-28-1070-00000-0070

Property Details

APN / Parcel Number

Primary APN28-1S-28-1070-00000-0070

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,896 sqft Heated Area
Gross Area4,768 sqft
1st Floor Area1,896 sqft
Utility Area1,848 sqft
Utility RoomUtility Room
FlooringWood
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace
ElevatorElevator

Exterior

Year BuiltBuilt 2019
Exterior MaterialStone
Construction TypeWood
Foundation TypePier/Post & Beam
Roof MaterialMetal
Lot Area31,100 sqft (0.713 acres)
Lot Dimensions3,110 ft deep x 1,000 ft wide
Garage Area575 sqft
PorchOpen Porch
Porch Area1,024 sqft
Deck Area550 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number281S281070000000070
Street Address949 DOLPHIN RD
CityMILTON
StateFL
Zip32583-9183
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionESCAMBIA BAY ESTATES LOT 7 AS DES IN OR 3540 PG 432
Legal Range28W
Legal Township01S
Legal Section28
Legal SubdivisionESCAMBIA BAY ESTATES
Legal Lot Number7
JurisdictionSANTA ROSA FL
Township / Civil DivisionAVALON-MULAT
Census Block Group1
Census Block1034
Census Tract10710

Owner

Source: Santa Rosa County records · APN 28-1S-28-1070-00000-0070

Assessment roll updated July 1, 2024 · Last verified November 2025

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

Owner of Record2 Individual Names on File
Mailing Address949 DOLPHIN RD, MILTON, FL 32583-9183
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 15, 2018Deed of Trust, Mortgage · ARM
WHITNEY BANK
Jun 27, 2019Loan Modification, Mortgage
HANCOCK WHITNEY BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 08, 2016 · Amount on Record
Deed SaleJul 08, 2016 · Amount on Record
Deed Document Number0003540432
Record UpdatedJun 08, 2026

June 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address949 DOLPHIN RD, MILTON, FL 32583-9183
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0037380588
DateJun 15, 2018
Book Page3738/0588
Instrument201825100
Lender
NameWHITNEY BANK
TypeBank
AddressGULFPORT, MS 39502
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueJul 01, 2048
Interest
Rate TypeAdjustable Rate
Type Change DateJul 01, 2025
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change9.37%
Index1-Year LIBOR
Max Rate9.37%

June 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSANTA ROSA FL
Property Address949 DOLPHIN RD, MILTON, FL 32583-9183
Document Number0038501798
Instrument DateJun 27, 2019
Transaction TypeMortgage
Record UpdatedAug 30, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address949 DOLPHIN RD MILTON FL 325839183, MILTON, FL 32583-9183

Mortgage

Document Number0038501798
DateJul 17, 2019
Book Page003850/001798
Instrument30868
Lender
NameHANCOCK WHITNEY BK
AddressNEW ORLEANS, LA 70122
Agreement
AmountAmount Recorded
Term360 Months
DueJul 16, 2049
Interest
Rate TypeFixed Rate
Rate3.75%

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2024$739.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$369,881 (+3%)$567,264 (+1.94%) Land $224,700 Building $342,564
2023Homeowner's exemption Disabled Person's exemption Veteran's exemption$359,107$556,451 Land $224,700 Building $331,751

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130107101, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 469 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies469 in force
Nearby Flood Claims153 (2004–2022)
Claims Outside the SFHA14 of 153
Most Recent ClaimFeb 2022 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 117 claims
  • Hurricane Frances, Sep 2004 · 32 claims

Wildfire

Wildfire RiskModerate
above 51% of the US · lower than 78% of Florida
Wildfire Likelihood0.09% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 12 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Mediacom Communications
Cable		1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemBAGDAD-GARCON POINT WATER SYSTEM
public/private · serves 10,896 people
Water SourceGroundwater
Last State InspectionNov 2025
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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