Santa Rosa County property record for 3428 Acy Lowery Rd, Pace, FL 32571
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,870 sqft · built 2007 |
| Lot Size | 3.5 acres (152,460 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,644 (2024) |
| Deeds & Mortgages | Feb 2026 Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-2N-29-0000-00403-0000 |
| Primary APN | 20-2N-29-0000-00403-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,870 sqft Heated Area |
| Gross Area | 2,422 sqft |
| 1st Floor Area | 1,870 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 152,460 sqft (3.5 acres) |
| Lot Dimensions | 245 ft deep x 178 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 202 sqft |
| Patio Area | 110 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 202N290000004030000 |
|---|---|
| Street Address | 3428 ACY LOWERY RD |
| City | PACE |
| State | FL |
| Zip | 32571-9414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-RR |
| Legal Description | COM NW COR TH ELY 630.80 FT TO POB TH CONT 266.17 FT THN DFT RT 89*10'20 S 326.70 FT THN DFT RT 90*49'20 267.43 FT THN DFT RT |
| Legal Range | 29W |
| Legal Township | 02N |
| Legal Section | 20 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | PACE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 10303 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3428 ACY LOWERY RD, PACE, FL 32571-9414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 13, 2026 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Nov 12, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 13, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2003 |
| Deed Sale | May 9, 2003 |
| Prior Sale | Dec 19, 2002 |
| Deed Document Number | 0021391924 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3428 ACY LOWERY RD, PACE, FL 32571-9414 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 3428 ACY LOWERY RD, MILTON, FL 32571-9414 |
| Document Number | 0047081226 |
|---|---|
| Date | Feb 13, 2026 |
| Book Page | 4708/1226 |
| Instrument | 202607229 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3428 ACY LOWERY RD, PACE, FL 32571-9414 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040281439 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | 4028/1439 |
| Instrument | 202060341 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3428 ACY LOWERY RD, PACE, FL 32571-9414 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039380627 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | 3938/627 |
| Instrument | 202017349 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 1, 2050 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $1,644.00 (+4.65%) Homeowner's exemption | $164,396 (+3%) | $243,521 (+5.17%) Land $66,500 Building $177,021 |
| 2023 | $1,571.00 (+3.02%) Homeowner's exemption | $159,608 (+3%) | $231,553 (+2.07%) Land $56,000 Building $175,553 |
| 2022 | $1,525.00 Homeowner's exemption | $154,959 | $226,846 Land $56,000 Building $170,846 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 84 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 84 in force |
| Nearby Flood Claims | 11 (2014–2020) |
| Claims Outside the SFHA | 11 of 11 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 40% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHUMUCKLA WATER SYSTEM, INC. private · serves 5,527 people · EPA ID FL1570140 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
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