Santa Rosa County, FL: flood zone, zoning and property lines by address
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Towns in Santa Rosa County: Navarre, Pace, East Milton.
Flood zone by address
ParcelSheet reads FEMA's National Flood Hazard Layer at the lot: the zone, whether it is a high risk area where lenders ask for flood insurance, and the base flood elevation where FEMA lists one. FEMA's countywide study for Santa Rosa County has 143 FIRM panels, the newest effective November 2021; coastal V zones, where waves add to the flood, are mapped along its shore.
The official panel and any Letter of Map Amendment are at FEMA's Map Service Center. An elevation certificate for a Santa Rosa house comes from a licensed surveyor and is often on file with the county or city building office.
Property lines
The parcel outline, parcel number and mapped size come from the Florida statewide cadastral (county property appraiser parcels with the Department of Revenue tax roll), so a Santa Rosa lot shows the same lines the property appraiser draws. Santa Rosa County covers about 647,937 acres of land and 134,251 acres of water.
Mapped lines are approximate. The Santa Rosa County Property Appraiser keeps the parcel record; a licensed surveyor sets the true corners.
An example from the county's own records: parcel 24-2N-28-0000-01608-0000 in Milton, a lot with one house, about 65,340 square feet as mapped, the house built in 1990. Open it to see every card ParcelSheet draws for a Santa Rosa lot.
Zoning
Santa Rosa County zones its unincorporated land. ParcelSheet shows the use the property appraiser lists for the lot and links the county planning office for the district, the uses it allows and the lot size it needs.
ADU and guest houses
Florida Statute 163.31771 lets local governments allow an accessory dwelling unit on a lot with a house. Whether a Santa Rosa lot can add one depends on its district; the county planning office has the rule. ParcelSheet shows the mapped lot size and the ground's slope, the first two things the question turns on.
Septic and soil
ParcelSheet reads the USDA soil survey at the lot: the soil's name, its septic absorption rating and whether it is prime farmland. Santa Rosa County is soil survey area FL113, Santa Rosa County, Florida, last updated September 2026, on Web Soil Survey.
A new or changed septic system in Santa Rosa County needs a permit from the Florida Department of Health in Santa Rosa County, which tests the soil on the lot itself.
Setbacks
Setbacks in Santa Rosa County come from the zoning district: the front, side and rear distances a house must keep. ParcelSheet does not draw setback lines; the county zoning office gives them for the lot's district. On the Santa Rosa shore, building seaward of the state's Coastal Construction Control Line needs a state permit.
Hazards that apply
- Storm surge. Santa Rosa County has coastal V zones on its FEMA map, so storm surge reaches its shore. The county's evacuation zones are on its emergency management site; ParcelSheet shows the FEMA zone and the 3 ft sea level rise map at the lot.
- Wind. The Florida Building Code sets the design wind speed for a house in Santa Rosa County; the building office applies it at permit.
- Wetlands and wildfire. ParcelSheet shows the National Wetlands Inventory near a Santa Rosa lot and the Forest Service wildfire hazard rating at it.
Questions
Is my house in a flood zone in Santa Rosa County?
Type the address in the box above and ParcelSheet reads FEMA's flood zone at the lot's center. FEMA's countywide flood map for Santa Rosa County has 143 panels, the newest effective November 2021. A lender or insurer uses the official FIRM panel; FEMA's Map Service Center has it.
How do I find property lines in Santa Rosa County?
Open the Florida map, type the address, and the parcel outline from the county property appraiser shows on the map with its parcel number and mapped size. The Santa Rosa County property appraiser keeps the official record. Mapped lines are approximate; only a licensed surveyor sets the true corners.
What is my property zoned in Santa Rosa County?
Zoning in Santa Rosa County is set by the county for unincorporated land and by each city inside its own limits. ParcelSheet shows the use code the property appraiser lists and links the office that sets the zoning; the planning office has the final word.
Can I build an ADU in Santa Rosa County?
Florida Statute 163.31771 lets counties and cities allow an accessory dwelling unit, and each sets its own rules. In Santa Rosa County ask the zoning office for the lot's district first; ParcelSheet shows the lot size as mapped so you can see the room you have.
Do I need a septic permit in Santa Rosa County?
Yes. A new or changed septic system in Santa Rosa County needs a permit from the Florida Department of Health in Santa Rosa County. ParcelSheet shows the USDA soil survey's septic rating at the lot, from survey area FL113 (Santa Rosa County, Florida).
Next to Santa Rosa County: Escambia County, Okaloosa County.
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