965 Dolphin Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 965 Dolphin Rd, Milton, FL 32583

Property Summary

Property Type	Vacant Land
Lot Size	0.826 acres (36,000 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (May 2019)
Tax Bill	$2,037 (2024)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`28-1S-28-1070-00000-0050`

Property Details

APN / Parcel Number

Primary APN	`28-1S-28-1070-00000-0050`

Exterior

Lot Area	36,000 sqft (0.826 acres)
Lot Dimensions	3,600 ft deep x 1,000 ft wide

Location & Zoning

Account Number	281S281070000000050
Street Address	965 DOLPHIN RD
City	MILTON
State	FL
Zip	32583-9183
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	R1
Legal Description	ESCAMBIA BAY ESTATES LOT 5 AS DES IN OR 3834 PG 1642 LESS ALL MINERAL RIGHTS
Legal Range	28W
Legal Township	01S
Legal Section	28
Legal Subdivision	ESCAMBIA BAY ESTATES
Legal Lot Number	5
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	1
Census Block	1034
Census Tract	10710

Owner

965 Dolphin Rd, vacant land, is owned by an individual who bought it in May 2019.

Source: Santa Rosa County records, as of October 27, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3169 BELLE CHRISTIANE PL, PENSACOLA, FL 32503-5894
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019 · Amount on File
Deed Sale	May 31, 2019 · Amount on File
Deed Document Number	0038341642
Deed Book / Page	3834 / 1642
Record Updated	Jun 8, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 31, 2019
Property Address	965 DOLPHIN RD, MILTON, FL 32583-9183
Document Number	0038341642
Book / Page	3834 / 1642
Map Reference	MB B PG 122
Instrument Date	May 31, 2019
Instrument	201922796
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1133 WINDCHIME WAY, 1133, PENSACOLA, FL 32503-2544

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3169 BELLE CHRISTIANE PL, PENSACOLA, FL 32503-5894

Mortgage

Document Number	0038341645
Date	May 31, 2019
Instrument	3834/1645

Lender

Name	MEMBERS FIRST CREDIT UNION OF FLORI
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2022
Change Frequency	3 Years
Min Rate At Change	4%
Max Rate At Change	9.5%
Max Rate	15.5%

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	$2,037.00 (-8.33%)	$209,790 (-) Land $209,790	$209,790 (-) Land $209,790
2023	$2,222.00 (+22.49%)	$209,790 (+4%) Land $209,790	$209,790 (+4%) Land $209,790
2022	$1,814.00	$149,850	$149,850 Land $149,850

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

Flood

FEMA maps place 965 Dolphin Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 469 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	469 in force
Nearby Flood Claims	153 (2004–2022)
Claims Outside the SFHA	14 of 153
Most Recent Claim	Feb 2022 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 117 claims Hurricane Frances, Sep 2004 · 32 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 965 Dolphin Rd is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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	BAGDAD-GARCON POINT WATER SYSTEM public/private · serves 10,896 people · EPA ID FL1570042
Water Source	Groundwater
Last State Inspection	Nov 2025
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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Dolphin Rd

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