Santa Rosa County property record for 2788 Gemstone Cir, Pace, FL 32571 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2019 |
| Square Footage | 3,371 sqft Living Area |
| Lot Size | 21,693 sqft (0.498 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $390,000 (2019) |
| Tax Bill | $4,244.00 (2025) |
Source: Santa Rosa County records · APN 23-2N-30-0077-00L00-0220
Assessment roll updated December 8, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2788 GEMSTONE CIR, MILTON, FL 32571-6876 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 25, 2025 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Dec 26, 2019 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 26, 2019 · Amount on Record |
| Deed Sale | Dec 26, 2019 · Amount on Record |
| Deed Doc Number | 201957981 |
| Deed Book / Page | 3903 / 370 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2788 GEMSTONE CIR, PACE, FL 32571-6876 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2788 GEMSTONE CIR, PACE, FL 32571-6876 |
| Document Number | 0046821136 |
|---|---|
| Date | Nov 25, 2025 |
| Book Page | 4682/1136 |
| Instrument | 202555194 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 26, 2019 |
| Property Address | 2788 GEMSTONE CIR, PACE, FL 32571-6876 |
| Document Number | 0039030370 |
| Book / Page | 3903 / 0370 |
| Map Reference | MB 12 PG 75&76 |
| Instrument Date | Dec 23, 2019 |
| Instrument | 201957981 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,730.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126 |
| Name | Verified Name |
|---|---|
| Address | 2788 GEMSTONE CIR, PACE, FL 32571-6876 |
| Document Number | 0039030372 |
|---|---|
| Date | Dec 26, 2019 |
| Instrument | 3903/0372 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified June 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,244.00 (+3.01%) Homeowner's exemption | $365,975 (+3.04%) | $526,224 (+2.92%) Land $80,000 Building $446,224 |
| 2024 | $4,120.00 (+3.1%) Homeowner's exemption | $355,175 (+3%) | $511,300 (+2.87%) Land $80,000 Building $431,300 |
| 2023 | $3,996.00 (+2.44%) Homeowner's exemption | $344,830 (+3%) | $497,012 (+5.57%) Land $70,000 Building $427,012 |
| 2022 | $3,901.00 Homeowner's exemption | $334,786 | $470,795 Land $48,000 Building $422,795 |
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 46% of the US · above 17% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,220 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.
| Primary APN | 23-2N-30-0077-00L00-0220 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,371 sqft Living Area |
| Gross Area | 4,528 sqft Gross Area |
| 1st Floor | 3,035 sqft 1st Floor |
| Upper Floors | 336 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| 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 123 ft Depth x Width |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 777 sqft Garage |
| Shed | 1 Shed |
| Shed Area | 1 sqft Shed |
| Porch Area | 380 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 2788 GEMSTONE CIR |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32571-6876 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ASHLEY PLANTATION PHASE 4-B LOT 22 BLK L AS DES IN OR 3903 PG 370 |
| Legal Range | 30W |
| Legal Township | 2N |
| Legal Section | 23 |
| Legal Subdivision | ASHLEY PLANTATION |
| Legal Block | L |
| Legal Lot Number | 22 |
| Jurisdiction | SANTA ROSA FL |
| Minor Civil Division | PACE |
| Census Blockgroup | 1 |
| Census Block | 1027 |
| Census Tract | 10302 |
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