3321 Windy Oaks Dr, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 3321 Windy Oaks Dr, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,228 sqft · built 1987
Owner	Individual Name on Record
Last Sale	$430,000 (Sep 2023)
Tax Bill	$375 (2024)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-1N-29-5804-00D00-0290`

Property Details

APN / Parcel Number

Primary APN	`06-1N-29-5804-00D00-0290`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,228 sqft Heated Area
Gross Area	3,408 sqft
1st Floor Area	2,668 sqft
Upper Floors Area	672 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1997
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Width	370 ft Width
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	668 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	061N29580400D000290
Street Address	3321 WINDY OAKS DR
City	PACE
State	FL
Zip	32571-9555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WOODBINE SPRINGS PLANTATION LOT 29 BLK D AS DES IN OR 4433 PG 1743
Legal Range	29W
Legal Township	01N
Legal Section	06
Legal Subdivision	WOODBINE SPRINGS PLT
Legal Block	D
Legal Lot Number	29
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	1
Census Block	1046
Census Tract	10707

Owner

Source: Santa Rosa County records, as of October 27, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3321 WINDY OAKS DR, PACE, FL 32571-9555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2023	Warranty Deed, Transfer · VA Mortgage LOW VA RATES LLC
Nov 19, 2018	Warranty Deed, Transfer · ARM AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2023 · Amount on Record
Deed Sale	Sep 14, 2023 · Amount on Record
Prior Sale	Nov 19, 2018 · Amount on Record
Deed Document Number	202341856
Deed Book / Page	4433 / 1743
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 14, 2023
Property Address	3321 WINDY OAKS DR, PACE, FL 32571-9555
Document Number	0044331743
Book / Page	4433 / 1743
Map Reference	MB D PG 16
Instrument Date	Aug 31, 2023
Instrument	202341856
Transaction Type	Transfer
Record Updated	Oct 26, 2023
Title Company	SURETY LAND TITLE/FL LLC, SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2710 SOWELL RD, BREWTON, AL 36426-2902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3321 WINDY OAKS DR, PACE, FL 32571-9555

Mortgage

Document Number	0044331744
Date	Sep 14, 2023
Instrument	4433/1744

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 19, 2018
Property Address	3321 WINDY OAKS DR, PACE, FL 32571-9555
Document Number	0037831285
Book / Page	3783 / 1285
Map Reference	MB D PG 16
Instrument Date	Nov 16, 2018
Instrument	201849418
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	GUARANTEE TITLE OF NORTHWEST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,694.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3224 KINGSMILL DR, 3224, PACE, FL 32571-8419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3321 WINDY OAKS DR, PACE, FL 32571-9555

Mortgage

Document Number	0201849419
Date	Nov 19, 2018
Instrument	201849419

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Dec 1, 2023
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	11.5%
Index	1-Year LIBOR
Max Rate	11.5%

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$375.00 (-82.52%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$291,190 (+43.1%) Land $49,000 Building $242,190	$291,190 (+3.47%) Land $49,000 Building $242,190
2023	$2,145.00 (+2.73%) Homeowner's exemption	$203,480 (+3%)	$281,420 (+5.54%) Land $49,000 Building $232,420
2022	$2,088.00 Homeowner's exemption	$197,553	$266,639 Land $45,000 Building $221,639

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	9 (1998–2020)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PACE WATER SYSTEM, INC. private · serves 49,328 people · EPA ID FL1570671
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50

May also be available: Verizon.

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