Santa Rosa County property record for 3440 Acy Lowery Rd, Pace, FL 32571
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,514 sqft · built 2007 |
| Lot Size | 5.46 acres (237,838 sqft) |
| Owner | Individual Name on File |
| Last Sale | $540,000 (Mar 2020) |
| Tax Bill | $5,084 (2024) |
| Deeds & Mortgages | Dec 2020 Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-2N-29-0000-00314-0000 |
| Primary APN | 20-2N-29-0000-00314-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,514 sqft Heated Area |
| Gross Area | 4,952 sqft |
| 1st Floor Area | 4,139 sqft |
| Upper Floors Area | 464 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 237,838 sqft (5.46 acres) |
| Lot Dimensions | 8,940 ft deep x 1,670 ft wide |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 813 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 202N290000003140000 |
|---|---|
| Street Address | 3440 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 | *DESCRIPTION UPDATE FOR 2020* COM NW CORNER SECTION 20 TOWNSHIP 2 NORTH RANGE 29 WEST THN S88*51'20E ALG N LI SEC 896.14 FT |
| Legal Range | 29W |
| Legal Township | 02N |
| Legal Section | 20 |
| Legal Subdivision | WEST |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | PACE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 10303 |
Source: Santa Rosa County records · APN 20-2N-29-0000-00314-0000
Assessment roll updated July 1, 2024 · Last verified November 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3440 ACY LOWERY RD, PACE, FL 32571-9414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2020 | Deed of Trust, Mortgage · VA Mortgage THE MORTGAGE FIRM INC |
| Mar 25, 2020 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 25, 2020 · Amount on Record |
| Deed Sale | Mar 25, 2020 · Amount on Record |
| Deed Document Number | 202014391 |
| Deed Book / Page | 3932 / 64 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3440 ACY LOWERY RD, PACE, FL 32571-9414 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3440 ACY LOWERY RD, PACE, FL 32571-9414 |
| Document Number | 0040461090 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 4046/1090 |
| Instrument | 202069444 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 25, 2020 |
| Property Address | 3440 ACY LOWERY RD, PACE, FL 32571-9414 |
| Document Number | 0039320064 |
| Book / Page | 3932 / 64 |
| Instrument Date | Mar 23, 2020 |
| Instrument | 202014391 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | CLEAR TTL OF NORTHWEST FL LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,780.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3450 ACY LOWERY RD, 3450, PACE, FL 32571-9414 |
| Name | Verified Name |
|---|---|
| Address | 3440 ACY LOWERY RD, PACE, FL 32571-9414 |
| Document Number | 0039320066 |
|---|---|
| Date | Mar 25, 2020 |
| Instrument | 3932/0066 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 2025
| 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 |
|---|---|---|---|
| 2024 | $5,084.00 (+1.38%) Homeowner's exemption | $435,279 (+3%) | $491,459 (+3.62%) Land $82,992 Building $408,467 |
| 2023 | $5,015.00 (+2.39%) Homeowner's exemption | $422,601 (+3%) | $474,312 (+0.66%) Land $69,888 Building $404,424 |
| 2022 | $4,898.00 Homeowner's exemption | $410,292 | $471,186 Land $69,888 Building $401,298 |
Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Mediacom Communications Cable | 1,000 / 50 |
Based on FCC filings for 27 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CHUMUCKLA WATER SYSTEM, INC. private · serves 5,527 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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