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2778 Gemstone Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 2778 Gemstone Cir, Pace, FL 32571 · Last verified November 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2019
Square Footage2,353 sqft Heated Area
Lot Size21,693 sqft (0.498 acres)
OccupancyOwner Occupied
Last Sale$313,850 (2019)
Tax Bill$2,613.00 (2024)

Property Details

APN / Parcel Number

Primary APN23-2N-30-0077-00L00-0230

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,353 sqft Heated Area
Gross Area3,100 sqft Gross Area
1st Floor2,773 sqft 1st Floor
Stories1 Stories
Primary FlooringWood Flooring
Interior StructureCustom/Decorative Interior Structure

Exterior

Year BuiltBuilt 2019
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 Area420 sqft Garage

Exterior Amenities

Shed1 Shed
Shed Area1 sqft Shed
PorchOpen Porch
Porch Area327 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air Heating

Location & Zoning

Account Number232N30007700L000230
Street Address2778 GEMSTONE CIR
CityPACE
StateFL
Zip32571-6876
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionASHLEY PLANTATION PHASE 4-B LOT 23 BLK L AS DES IN OR 3866 PG 634
Legal Range30W
Legal Township02N
Legal Section23
Legal SubdivisionASHLEY PLANTATION
Legal Phase4
Legal BlockL
Legal Lot Number23
JurisdictionSANTA ROSA FL
Minor Civil DivisionPACE
Census Blockgroup1
Census Block1027
Census Tract10302

Owner

Source: Santa Rosa County records · APN 23-2N-30-0077-00L00-0230

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
Co-ownerVerified Secondary Owner
Mailing Address2778 GEMSTONE CIR, PACE, FL 32571-6876
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 19, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
UNITED WHOLESALE MORTGAGE
Sep 03, 2019Special Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage
DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 03, 2019 · Amount on Record
Deed SaleSep 03, 2019 · Amount on Record
Deed Doc Number201939182
Deed Book / Page3866 / 0634
Record RefreshedJun 08, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address2778 GEMSTONE CIR, PACE, FL 32571-6876
Transaction TypeMortgage
Record UpdatedMay 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address2778 GEMSTONE CIR, MILTON, FL 32571-6876

Mortgage

Document Number0040311797
DateNov 19, 2020
Book Page4031/1797
Instrument202062125
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2050

September 2019: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 03, 2019
Property Address2778 GEMSTONE CIR, PACE, FL 32571-6876
Document Number0038660634
Book / Page3866 / 0634
Map ReferenceMB 12 PG 75&76
Instrument DateAug 21, 2019
Instrument201939182
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 02, 2022
Title CompanyDHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,197.30
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
Address2778 GEMSTONE CIR, PACE, FL 32571-6876

Mortgage

Document Number0003866636
DateSep 03, 2019
Instrument3866/636
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2049

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$2,613.00 (+5.24%) Homeowner's exemption Disabled Person's exemption$243,273 (+3.85%)$375,685 (+4.17%) Land $80,000 Building $295,685
2023$2,483.00 (+2.77%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$234,246 (+3%)$360,660 (+6.51%) Land $70,000 Building $290,660
2022$2,416.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$227,423$338,611 Land $48,000 Building $290,611

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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