Santa Rosa County property record for 2628 Gemstone Cir, Pace, FL 32571 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,903 sqft Living Area |
| Lot Size | 21,693 sqft (0.498 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $610,000 (2023) |
| Tax Bill | $4,997.00 (2024) |
| Primary APN | 23-2N-30-0077-00L00-0380 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,903 sqft Living Area |
| Gross Area | 4,189 sqft Gross Area |
| 1st Floor | 2,903 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Wood Shingle Roof |
| Lot Area | 21,693 sqft (0.498 acres) |
| Depth X Width | 175 ft x 124 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 483 sqft Garage |
| Porch Area | 243 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 2628 GEMSTONE CIR |
|---|---|
| City | PACE |
| State | FL |
| Zip | 32571-6874 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ASHLEY PLANTATION PHASE 4-A LOT 38 BLK L AS DES IN OR 4395 PG 565 |
| Legal Range | 30W |
| Legal Township | 2N |
| Legal Section | 23 |
| Legal Subdivision | ASHLEY PLANTATION |
| Legal Block | L |
| Legal Lot Number | 38 |
| Jurisdiction | SANTA ROSA FL |
| Minor Civil Division | PACE |
| Census Blockgroup | 1 |
| Census Block | 1027 |
| Census Tract | 10302 |
Source: Santa Rosa County records · APN 23-2N-30-0077-00L00-0380
Assessment roll updated December 8, 2025 · Last verified April 2026
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 File |
|---|---|
| Mailing Address | 2628 GEMSTONE CIR, MILTON, FL 32571-6874 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 16, 2025 | Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMONWEALTH BANK |
| May 16, 2023 | Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Mar 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Mar 14, 2018 | Grant Deed, Subdivision Related Transfer · Veterans Administration Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 16, 2023 · Amount on Record |
| Deed Sale | May 16, 2023 · Amount on Record |
| Prior Sale | Mar 14, 2018 · Amount on Record |
| Deed Doc Number | 202321336 |
| Deed Book / Page | 4395 / 565 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2628 GEMSTONE CIR, PACE, FL 32571-6874 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2628 GEMSTONE CIR, PACE, FL 32571-6874 |
| Document Number | 0046581512 |
|---|---|
| Date | Sep 16, 2025 |
| Book Page | 4658/1512 |
| Instrument | 202543220 |
| Name | FIRST COMMONWEALTH BANK |
|---|---|
| Type | Bank |
| Address | INDIANA, PA 15701 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 16, 2023 |
| Property Address | 2628 GEMSTONE CIR, PACE, FL 32571-6874 |
| Document Number | 0043950565 |
| Book / Page | 4395 / 565 |
| Map Reference | MB 12 PG 29&30 |
| Instrument Date | May 15, 2023 |
| Instrument | 202321336 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2023 |
| Title Company | SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,270.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 860 LIVESTOCK LOOP, SAINT CLOUD, FL 34771-9146 |
| Name | Verified Name |
|---|---|
| Address | 2628 GEMSTONE CIR, PACE, FL 32571-6874 |
| Document Number | 0004395566 |
|---|---|
| Date | May 16, 2023 |
| Instrument | 4395/566 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2628 GEMSTONE CIR, PACE, FL 32571-6874 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2021 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 2628 GEMSTONE CIR, MILTON, FL 32571-6874 |
| Document Number | 0040841538 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 4084/1538 |
| Instrument | 202115777 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2036 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 14, 2018 |
| Property Address | 2628 GEMSTONE CIR, PACE, FL 32571-6874 |
| Document Number | 0037090617 |
| Book / Page | 003709 / 000617 |
| Instrument Date | Mar 12, 2018 |
| Instrument | 9779 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 28, 2018 |
| Title Company | DHI TITLE/FL INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,267.30 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 2628 GEMSTONE CIR PACE FL 32571, PACE, FL 32571 |
| Document Number | 37090619 |
|---|---|
| Date | Mar 14, 2018 |
| Book Page | 003709/000619 |
| Instrument | 9780 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 13, 2048 |
Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $442,131 (-) Land $80,000 Building $362,131 | $442,131 (-) Land $80,000 Building $362,131 | |
| 2024 | $4,997.00 (+70.78%) Homeowner's exemption | $442,131 (+64.92%) Land $80,000 Building $362,131 | $442,131 (+3.19%) Land $80,000 Building $362,131 |
| 2023 | $2,926.00 (+2.63%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $268,090 (+3%) | $428,477 (+7.8%) Land $70,000 Building $358,477 |
| 2022 | $2,851.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $260,282 | $397,478 Land $48,000 Building $349,478 |
Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 52% of the US · above 22% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 909 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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