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2891 Gemstone Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 2891 Gemstone Cir, Pace, FL 32571 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms3 Baths
Year BuiltBuilt 2019
Square Footage3,161 sqft Living Area
Lot Size22,041 sqft (0.506 acres)
OccupancyOwner Occupied
Last Sale$410,000 (2020)
Tax Bill$4,248.00 (2025)

Owner

Source: Santa Rosa County records · APN 23-2N-30-0077-00J00-0180

Assessment roll updated December 8, 2025 · Last verified August 2026

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 Address2891 GEMSTONE CIR, MILTON, FL 32571-9808
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 13, 2026Deed of Trust, Mortgage · Line of Credit
LENDING COMPANY
Dec 01, 2020Warranty Deed, Transfer · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Apr 16, 2020Deed of Trust, Mortgage · Conventional Mortgage
NAVY FCU
May 08, 2019Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 01, 2020 · Amount on Record
Deed SaleDec 01, 2020 · Amount on Record
Prior SaleMay 08, 2019 · Amount on Record
Deed Doc Number202064325
Deed Book / Page4036 / 533
Record RefreshedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Recording DateJul 13, 2026
Property Address2891 GEMSTONE CIR, MILTON, FL 32571-9808
Document Number0000034992
Book / Page4766 / 421
Instrument DateJul 08, 2026
Instrument202634992
Transaction TypeMortgage
Record UpdatedAug 11, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred To (Grantee/Buyer)

NameVerified Name
Address2891 GEMSTONE CIR, MILTON, FL 32571-9808

Mortgage

Document Number0000034992,
DateJul 13, 2026
Book Page4766/421
Instrument202634992
Lender
NameLENDING COMPANY
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJul 08, 2056
Interest
Rate6.52%
Max Rate-1%

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateDec 01, 2020
Property Address2891 GEMSTONE CIR, PACE, FL 32571-9808
Document Number0040360533
Book / Page4036 / 533
Map ReferenceMB 12 PG 75&76
Instrument DateNov 30, 2020
Instrument202064325
Transaction TypeTransfer
Record UpdatedDec 14, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,870.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4111 COMMONS DR W # W1101, 4111, DESTIN, FL 32541-8484

Transferred To (Grantee/Buyer)

NameVerified Name
Address2891 GEMSTONE CIR, PACE, FL 32571-9808

Mortgage

Document Number0004036537
DateDec 01, 2020
Instrument4036/537
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2050

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address2891 GEMSTONE CIR, PACE, FL 32571-9808
Document Number0039420315
Instrument DateApr 16, 2020
Transaction TypeMortgage
Record UpdatedJun 22, 2020
Title CompanyNAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address2891 GEMSTONE CIR PACE FL 325719808, PACE, FL 32571-9808

Mortgage

Document Number0039420315
DateApr 22, 2020
Book Page003942/000315
Instrument19071
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 21, 2050

May 2019: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionSANTA ROSA FL
Recording DateMay 08, 2019
Property Address2891 GEMSTONE CIR, PACE, FL 32571-9808
Document Number0038270475
Book / Page3827 / 0475
Map ReferenceMB 12 PG 75&76
Instrument DateMay 06, 2019
Instrument201918842
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 02, 2022
Title CompanyDHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,517.20
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
Address2891 GEMSTONE CIR, MILTON, FL 32571-9808

Mortgage

Document Number0003827477
DateMay 08, 2019
Instrument3827/477
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2049

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified August 2026

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
2025$4,248.00 (+2.91%) Homeowner's exemption$372,522 (+2.9%)$455,959 (-2.11%) Land $80,000 Building $375,959
2024$4,128.00 (+1.1%) Homeowner's exemption$362,023 (+3%)$465,764 (+3.09%) Land $80,000 Building $385,764
2023$4,083.00 (+2.43%) Homeowner's exemption$351,479 (+3%)$451,790 (+7.56%) Land $70,000 Building $381,790
2022$3,986.00 Homeowner's exemption$341,242$420,021 Land $48,000 Building $372,021

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.

Property Details

APN / Parcel Number

Primary APN23-2N-30-0077-00J00-0180
Alternative APN
  • N30223007700J000180

Interior

Bedrooms5 Beds
Full Baths3 Baths
Building Area3,161 sqft Living Area
Gross Area3,964 sqft Gross Area
1st Floor3,161 sqft 1st Floor
Stories1 Stories
Primary FlooringWood Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialBrick Exterior
Construction TypeWood Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialWood Shingle Roof
Lot Area22,041 sqft (0.506 acres)
Depth X Width175 ft x 126 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area424 sqft Garage
Porch Area379 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address2891 GEMSTONE CIR
CityMILTON
StateFL
Zip32571-9808
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionASHLEY PLANTATION PHASE 4-B LOT 18 BLK J AS DES IN OR 4036 PG 533
Legal Range30W
Legal Township2N
Legal Section23
Legal SubdivisionASHLEY PLANTATION
Legal BlockJ
Legal Lot Number18
JurisdictionSANTA ROSA FL
Minor Civil DivisionPACE
Census Blockgroup1
Census Block1026
Census Tract10302

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