6195 KIRBY STREET, MILTON, FL, 32570
Active62 days on marketListed Jun 4, 2026MLS #A4695965
About this home
6195 KIRBY STREET
Please note, the seller has lowered the price several times and is now firm at the listing price. This vacant lot offers an excellent opportunity to build your future home or make a smart investment. Situated in Milton City, the property features 0.63 acres with wooded terrain. Public water is available and septic is required. Enjoy a peaceful setting while remaining conveniently located near shopping, dining, schools, and major highways, providing easy access to city amenities. Whether you’re looking for a private retreat, a development opportunity, or a long-term investment, this lot provides the flexibility and location to suit your needs. Listing is for land only and comes As Is. Street addresses can be for listing purposes only and vacant land will receive a true street address once improved.
Facts & features
The home at a glance
0.63 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$526 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$526/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Milton
Get to know Milton. See the full Milton guide →
MILTON 32570 — neighborhood snapshot
Population
35,751
Median age
40.3
Median income
$73,615
Median home value
$240,800
Avg household
2.52
Households w/ children
3,963
For the school run
Santa Rosa County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Milton market
$80K → $398K
Milton median sold, yr/yr
Median sold price, Milton, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6195 KIRBY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6195 KIRBY STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
6195 KIRBY STREET FAQs
What would the monthly payment be for 6195 KIRBY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $526/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 6195 KIRBY STREET?+
The most recent tax bill on record (2025) was $211. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 6195 KIRBY STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Milton?+
At $54,999, this home is listed about 85% below the Milton median of $362,450. The market section on this page shows how the area is trending.
Which schools are assigned to 6195 KIRBY STREET?+
Hobbs Middle School (middle), Milton High School (high), Berryhill Elementary School (elementary) — Santa Rosa County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of NEW ALLIANCE GROUP REALTY · Zach Hilferding. MLS #A4695965.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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