3441 Acy Lowery Rd, Milton, FL 32571 Property Records

Santa Rosa County property record for 3441 Acy Lowery Rd, Milton, FL 32571

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,280 sqft · built 1987
Lot Size	1.12 acres (49,179 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Mar 2023)
Tax Bill	$1,556 (2024)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Dec 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-2N-29-0000-00312-0000`

Property Details

APN / Parcel Number

Primary APN	`20-2N-29-0000-00312-0000`
Alternative APN	`N292200000003120000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,280 sqft Living Area
Gross Area	1,620 sqft
1st Floor Area	1,280 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	49,179 sqft (1.12 acres)
Porch	Open Porch
Porch Area	680 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3441 ACY LOWERY RD
City	MILTON
State	FL
Zip	32571-9457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATE FOR 2023 COM AT SW COR NW4 OF NW4 OF SECTION 20 TOWNSHIP 2 NORTH RANGE 29 WEST TH S 8956'50 E 786.15 FT TO POB TH N0024'58 102.52 FT TH N 8935'02 E 125.46 FT TH N0024'58 306.86 FT TO SLY R/W OF RD TH S 57*17'36 E ALONG R/W 16
Legal Range	29W
Legal Township	2N
Legal Section	20
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2002
Census Tract	10303

Owner

Source: Santa Rosa County records, as of May 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3441 ACY LOWERY RD, MILTON, FL 32571-9457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2023	Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC
Dec 5, 2022	Personal Representative Deed, Transfer GUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY
Aug 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage MICHAEL R SCOTT
Aug 21, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2023 · Amount on Record
Deed Sale	Mar 30, 2023 · Amount on Record
Prior Sale	Dec 5, 2022 · Amount on Record
Deed Document Number	202313654
Deed Book / Page	4380 / 1513
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 30, 2023
Property Address	3441 ACY LOWERY RD, PACE, FL 32571-9457
Document Number	0043801513
Book / Page	4380 / 1513
Instrument Date	Mar 30, 2023
Instrument	202313654
Transaction Type	Transfer
Record Updated	May 9, 2023
Title Company	GUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4043 OVERLOOK CIR, PACE, FL 32571-2949

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1119 GREEN HILLS RD, CANTONMENT, FL 32533-8394

Mortgage

Document Number	0043801516
Date	Mar 30, 2023
Instrument	4380/1516

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

December 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 5, 2022
Property Address	3441 ACY LOWERY RD, PACE, FL 32571-9457
Document Number	0043490874
Book / Page	4349 / 874
Instrument Date	Dec 2, 2022
Instrument	202266499
Transaction Type	Transfer
Record Updated	Dec 26, 2022
Title Company	GUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$889.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3441 ACY LOWERY RD, PACE, FL 32571-9457

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4043 OVERLOOK CIR, PACE, FL 32571-2949

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3441 ACY LOWERY RD, PACE, FL 32571-9457
Document Number	0038620931
Instrument Date	Aug 19, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3441 ACY LOWERY RD PACE FL 325719457, PACE, FL 32571-9457

Mortgage

Document Number	0038620931
Date	Aug 21, 2019
Book Page	003862/000931
Instrument	37105

Lender

Name	MICHAEL R SCOTT
Address	3433 AT CAUVERY RD, PACE, FL 32571

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 21, 2019
Property Address	3441 ACY LOWERY RD, PACE, FL 32571-9457
Document Number	0038620935
Book / Page	003862 / 000935
Instrument Date	Aug 19, 2019
Instrument	37106
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$17.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3433 ACY LOWERY RD PACE FL 325719457, PACE, FL 32571-9457

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025		$166,213 (+2.9%)	$180,688 (+11.86%) Land $25,967 Building $154,721
2024	$1,556.00 (-16.34%) Homeowner's exemption	$161,529 (+13.69%) Land $21,451 Building $140,078	$161,529 (+13.69%) Land $21,451 Building $140,078
2023	$1,860.00 (+370.89%) Homeowner's exemption Senior Citizen's exemption	$142,077 (+65.23%) Land $18,064 Building $124,013	$142,077 (+3.68%) Land $18,064 Building $124,013
2022	$395.00 Homeowner's exemption Senior Citizen's exemption	$85,989	$137,034 Land $19,568 Building $117,466

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 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	Hurricane Sally, Sep 2020 · 9 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 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 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

Cell Coverage

5G (outdoors only) and 4G LTE

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