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Santa Rosa County, Florida VA Home Loan Info

Florida VA home loan limits2021 $0 down, VA home loan limit for Santa Rosa County is $548,250.

Located on the far eastern portion of the Florida Panhandle, Santa Rosa County is adjacent to both Escambia County Florida and Escambia County Alabama. A border county, this area of Florida is often called “LA”, short for “Lower Alabama.” With many of its original American inhabitants migrating from Alabama, the county has numerous cultural influences from the Cotton State, perhaps most notably in the local culinary offerings. The county was formed in 1842 and was named for Saint Rose of Viterbo. The population of the county is 161,096, and the total size of the area is 1,174 square miles. The county is divided into three regions: South Santa Rosa, Central Santa Rosa and North Santa Rosa, the county seat and largest city is Milton. Santa Rosa County only encompasses two incorporated cities and one town, with the rest of the area being unincorporated communities. The County contains a portion of the Nationally Protected Choctawhatchee National Forest. Interestingly, the county was dry until 2007, meaning the sale of alcohol was prohibited.

Historically called “Scratch Ankle,” “Hard Scrabble”, and “Jernigan’s Landing,” Milton has a reputation as an athletic hub, producing several former and current professional athletes. The Santa Rosa Historical Society operates multiple facilities that offer a window into the past. Among these offerings are the West Florida Rail Road Museum, Imogene Theater and the Blackwater River Park and Boardwalk in the Downtown area.

To apply for a VA mortgage in Santa Rosa County, click here.

Veterans in Santa Rosa County

Santa Rosa County has a veteran population of nearly 25,000. The county is known for its outward appreciation of the military. Veterans Memorial Plaza is dedicated to the memory and sacrifice of United States military members. Chronicling American military history, the plaza contains numerous panels, statues and plaques paying tribute to every branch of the military. The Tomb of the Unknown Soldier made of white marble functions to honor all of the soldiers who gave their lives on foreign soil.

The positive sentiment towards the military permeating the community is perhaps a result of Naval Air Station Whiting Field, which is operational and is located in Milton. The base contains three individual full usage airfields. The Air Operations Department supports 1.5 million flight operations per year, amounting to more than 160,000 flight hours annually. A training site, the base has a primary objective to develop the finest pilots in the military. The Air Force, Marine Corps and Coast Guard all use the base. Famously, the Blue Angels are based out of NAS Whiting Field. The base trains more than 1,200 students yearly.

In addition to its military operations, NAS Whiting Field serves as an intake site for pre-discharge claims assistance. The Veterans Service Office of Santa Rosa County provides veterans with assistance in filing for disability and pension benefits, education benefits, life insurance information and death benefits. The office is located in Milton.

Disabled veterans, who own homes in Santa Rosa County, can qualify for a property tax exemption amounting to $5,000 if they have a disability rating of 10 percent or higher. Veterans, who suffer from a complete disability, are entitled to a total exemption.

VFW Post

Post-4407 Bruce J. Bell Memorial Post
1783 Abercrombie Rd
Gulf Breeze, FL 32561
United States
Phone: (850) 932-8973

Meeting Location & Time
1783 Abercrombie Rd
Gulf Breeze, FL 32563-8837
United States
6:00 PM 2nd Wednesday

Quartermaster: Roger Halladay
Commander: Ronnie Holladay

Post 4833 John O. Connor Post
5918 Carroll Rd
Milton, FL 32570
United States
Phone: (850) 623-4833

Meeting Location & Time
5918 Carroll Rd
Milton, FL 32583-2821
United States
6:30 PM 3rd Monday

Quartermaster: Terry Deloof
Commander: William Ross

Maximum VA Appraisal Fees Allowable In Santa Rosa County:

  • Single Family: $425
  • Condominium: $425
  • Manufactured Housing: $425
  • Duplex $500
  • Triplex: $550
  • Fourplex: $600
  • Repair Certification: $100

Santa Rosa County Property Search

The VA HLC property search can be used for the following areas:

Gulf Breeze, Jay, Milton, Allentown, Bagdad, Chumuckla, Holley, Harold, Munson, Navarre, Navarre Beach, Pace, Oriole Beach, Whitfield

To obtain a list of VA approved homes for sale in Santa Rosa, call 888-573-4496 option 0 and ask for the real estate dept.

Santa Rosa County VA Approved Condos

Condo Name (ID): SAFE HARBOUR VILLAGE (612169)
Address: 8253 NAVARRE PARKWAY NAVARRE  FL  32566  –  0000  SANTA ROSA
Status: Accepted Without Conditions
Last Update: Unavailable
Request Received Date: 01/08/2014
Review Completion Date: 01/08/2014

Condo Name (ID): SANTA ROSA OAKS (612352)
Address: NAVARRE  FL  32541  SANTA ROSA
Status: Accepted Without Conditions
Last Update: Unavailable
Request Received Date: 12/13/2004
Review Completion Date: 12/16/2004

Condo Name (ID): SUNSET HARBOUR VILLAS (612327)
Status: Accepted With Conditions
Last Update: Unavailable
Request Received Date: 01/02/2003
Review Completion Date: 01/02/2003

Condo Name (ID): THE INN AT SUMMERWIND, (000090)
Status: Accepted Without Conditions
Last Update: Unavailable
Request Received Date: 06/13/2011
Review Completion Date: Unavailable

Need to get a condo added to the list above? VA Home Loan Centers can expedite your condo approval. To get started, call 888-573-4496 option 0 and ask for the real estate dept.


  1. Florida VA Loan Information: https://www.vahomeloancenters.org/florida-va-home-loan-limits/
  2. VA Loan Information by State: https://www.vahomeloancenters.org/va-loan-limit-maximum-va-loan-amount/