981 Dolphin Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 981 Dolphin Rd, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,079 sqft · built 2022
Lot Size	0.803 acres (34,979 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Mar 2018)
Tax Bill	$5,706 (2024)
Deeds & Mortgages	Dec 2022 Line of Credit Aug 2021 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`28-1S-28-1070-00000-0020`

Property Details

APN / Parcel Number

Primary APN	`28-1S-28-1070-00000-0020`
Alternative APN	`S281281070000000020`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,079 sqft Living Area
Gross Area	5,514 sqft
1st Floor Area	2,079 sqft
Flooring	Wood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Construction Type	Wood
Roof Material	Metal
Lot Area	34,979 sqft (0.803 acres)
Lot Dimensions	350 ft deep x 100 ft wide
View / Lot	Bay
Garage Area	1,406 sqft
Porch	Unfinished Open Porch
Porch Area	3,392 sqft
Patio Area	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	981 DOLPHIN RD
City	MILTON
State	FL
Zip	32583-9183
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ESCAMBIA BAY ESTATES LOT 2 AS DES IN OR 3706 PG 1801 & AS DES IN OR 4166 PG 477
Legal Range	28W
Legal Township	1S
Legal Section	28
Legal Subdivision	ESCAMBIA BAY ESTATES
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	1
Census Block	1034
Census Tract	10710

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	981 DOLPHIN RD, MILTON, FL 32583-9183
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Aug 20, 2021	Intrafamily Transfer, Transfer
Mar 5, 2018	Warranty Deed, Transfer SURETY LAND TITLE/FL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2018 · Amount on Record
Deed Sale	Mar 5, 2018 · Amount on Record
Prior Sale	Apr 21, 1997 · Amount on Record
Deed Document Number	20188403
Deed Book / Page	3706 / 1801
Last Transfer Date	Aug 20, 2021
Transfer Doc	0041660477
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	981 DOLPHIN RD, MILTON, FL 32583-9183
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	981 DOLPHIN RD, MILTON, FL 32583-9183
Investor	Possibly a Property Investor

Mortgage

Document Number	0043530703
Date	Dec 20, 2022
Book Page	4353/703
Instrument	202268935

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 2, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 20, 2021
Property Address	981 DOLPHIN RD, MILTON, FL 32583-9183
Document Number	0041660477
Book / Page	4166 / 477
Map Reference	MB B PG 122
Instrument Date	Aug 20, 2021
Instrument	202156071
Transaction Type	Transfer
Record Updated	Apr 16, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2326 COPTER RD, PENSACOLA, FL 32514-5801

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 5, 2018
Property Address	981 DOLPHIN RD, MILTON, FL 32583-9183
Document Number	0037061801
Book / Page	003706 / 001801
Instrument Date	Feb 23, 2018
Instrument	8403
Transaction Type	Transfer
Record Updated	Mar 19, 2018
Title Company	SURETY LAND TITLE/FL LLC

Transaction

Amount	Amount Recorded
Tax	$1,295.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SAN CARLOS AVE GULF BREEZE FL 325614144, GULF BREEZE, FL 32561-4144

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		$495,173 (+6.56%)	$613,861 (+8.93%) Land $275,000 Building $338,861
2024	$5,706.00 (+1.49%) Homeowner's exemption	$464,694 (+2.26%)	$563,514 (+1.78%) Land $231,000 Building $332,514
2023	$5,622.00 (+149.09%) Homeowner's exemption	$454,441 (+175.42%)	$553,662 (+235.55%) Land $231,000 Building $322,662
2022	$2,257.00	$165,000	$165,000 Land $165,000

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 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 Record 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

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

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