Santa Rosa County property record for 2900 Gemstone Cir, Milton, FL 32571 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2019 |
| Square Footage | 3,041 sqft Living Area |
| Lot Size | 21,693 sqft (0.498 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $383,500 (2019) |
| Tax Bill | $3,794.00 (2024) |
Source: Santa Rosa County records · APN 23-2N-30-0077-00K00-0140
Assessment roll updated December 8, 2025 · Last verified May 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 | 2900 GEMSTONE CIR, MILTON, FL 32571-9801 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Dec 10, 2019 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 10, 2019 · Amount on Record |
| Deed Sale | Dec 10, 2019 · Amount on Record |
| Deed Doc Number | 201955676 |
| Deed Book / Page | 3898 / 1197 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 20, 2026 |
| Property Address | 2900 GEMSTONE CIR, MILTON, FL 32571-9801 |
| Document Number | 0047340009 |
| Book / Page | 4734 / 9 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 202619491 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2900 GEMSTONE CIR, MILTON, FL 32571-9801 |
| Document Number | 0000019491, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 4734/9 |
| Instrument | 202619491 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 01, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.54% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 10, 2019 |
| Property Address | 2900 GEMSTONE CIR, PACE, FL 32571-9801 |
| Document Number | 0038981197 |
| Book / Page | 003898 / 001197 |
| Instrument Date | Dec 02, 2019 |
| Instrument | 55676 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 25, 2020 |
| Title Company | DHI TITLE/FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,685.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 2900 GEMSTONE CIR PACE FL 325719801, PACE, FL 32571-9801 |
| Document Number | 38981199 |
|---|---|
| Date | Dec 10, 2019 |
| Book Page | 003898/001199 |
| Instrument | 55677 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 09, 2049 |
Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified May 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 | $339,996 (+2.9%) | $462,114 (-2.1%) Land $80,000 Building $382,114 | |
| 2024 | $3,794.00 (+3.04%) Homeowner's exemption | $330,414 (+3%) | $472,045 (+3.06%) Land $80,000 Building $392,045 |
| 2023 | $3,682.00 (+2.48%) Homeowner's exemption | $320,790 (+3%) | $458,018 (+7.48%) Land $70,000 Building $388,018 |
| 2022 | $3,593.00 Homeowner's exemption | $311,447 | $426,123 Land $48,000 Building $378,123 |
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-30-0077-00K00-0140 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,041 sqft Living Area |
| Gross Area | 4,167 sqft Gross Area |
| 1st Floor | 3,041 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| 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 124 ft Depth x Width |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 777 sqft Garage |
| Porch Area | 434 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 2900 GEMSTONE CIR |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32571-9801 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ASHLEY PLANTATION PHASE 4-B LOT 14 BLK K AS DES IN OR 3898 PG 1197 |
| Legal Range | 30W |
| Legal Township | 2N |
| Legal Section | 23 |
| Legal Subdivision | ASHLEY PLANTATION |
| Legal Block | K |
| Legal Lot Number | 14 |
| Jurisdiction | SANTA ROSA FL |
| Minor Civil Division | PACE |
| Census Blockgroup | 1 |
| Census Block | 1029 |
| Census Tract | 10302 |
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