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2728 Gemstone Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 2728 Gemstone Cir, Pace, FL 32571 · Last verified November 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms3 Baths
Year BuiltBuilt 2020
Square Footage3,141 sqft Heated Area
Lot Size21,693 sqft (0.498 acres)
OccupancyOwner Occupied
Last Sale$376,150 (2020)
Tax Bill$3,977.00 (2024)

Property Details

APN / Parcel Number

Primary APN23-2N-30-0077-00L00-0280

Interior

Bedrooms5 Beds
Full Baths3 Baths
Building Area3,141 sqft Heated Area
Gross Area3,937 sqft Gross Area
1st Floor3,565 sqft 1st Floor
Stories1 Stories
Primary FlooringLaminate Plank Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2020
Exterior MaterialBrick Exterior
Construction TypeWood Construction
Foundation TypeMat/Raft Foundation (Slab) Foundation
Roof MaterialShingle Roof
Lot Area21,693 sqft (0.498 acres)
Depth X Width1,750 ft x 1,240 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage Area424 sqft Garage
PorchOpen Porch
Porch Area372 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air Heating

Location & Zoning

Account Number232N30007700L000280
Street Address2728 GEMSTONE CIR
CityPACE
StateFL
Zip32571-6876
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionASHLEY PLANTATION PHASE 4-B LOT 28 BLK L AS DES IN OR 3984 PG 985
Legal Range30W
Legal Township02N
Legal Section23
Legal SubdivisionASHLEY PLANTATION
Legal Phase4
Legal BlockL
Legal Lot Number28
JurisdictionSANTA ROSA FL
Minor Civil DivisionPACE
Census Blockgroup1
Census Block1027
Census Tract10302

Owner

Source: Santa Rosa County records · APN 23-2N-30-0077-00L00-0280

Assessment roll updated July 1, 2024 · Last verified November 2025

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

Owner of RecordIndividual Name on File
Mailing Address20981 ROWAN KNIGHT DR, LEXINGTON PK, MD 20653-8258
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 27, 2022Deed of Trust, Mortgage · Line of Credit
NAVY FCU
Jul 31, 2020Special Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage
DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 31, 2020 · Amount on Record
Deed SaleJul 31, 2020 · Amount on Record
Deed Doc Number202038599
Deed Book / Page3984 / 985
Record RefreshedJun 08, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address2728 GEMSTONE CIR, PACE, FL 32571-6876
Transaction TypeMortgage
Record UpdatedMay 24, 2022
Title CompanySECURITY LAND TITLE INC, SURETY LAND TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2728 GEMSTONE CIR, PACE, FL 32571-6876

Mortgage

Document Number0042760888
DateApr 27, 2022
Book Page4276/888
Instrument202225318
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeLine of Credit
AmountAmount Recorded
Term481 Months
DueMay 01, 2062
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

July 2020: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionSANTA ROSA FL
Recording DateJul 31, 2020
Property Address2728 GEMSTONE CIR, PACE, FL 32571-6876
Document Number0039840985
Book / Page3984 / 985
Map ReferenceMB 12 PG 75&76
Instrument DateJul 30, 2020
Instrument202038599
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 21, 2021
Title CompanyDHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,633.40
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

NameVerified Name
Address2728 GERNSTONE CIR, PACE, FL 32571

Mortgage

Document Number0003984987
DateJul 31, 2020
Instrument3984/987
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2050

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2024$3,977.00 (+1.48%) Homeowner's exemption$349,070 (+3%)$453,296 (+3.16%) Land $80,000 Building $373,296
2023$3,919.00 (+2.46%) Homeowner's exemption$338,903 (+3%)$439,428 (+7.72%) Land $70,000 Building $369,428
2022$3,825.00 Homeowner's exemption$329,032$407,947 Land $48,000 Building $359,947

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 46% of the US · above 17% of Florida
Wildfire LikelihoodAbout 1 in 1,220 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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