3478 Acy Lowery Rd, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 3478 Acy Lowery Rd, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,314 sqft · built 2018
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on Record
Last Sale	$492,000 (Nov 2022)
Tax Bill	$3,473 (2024)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-2N-29-0000-00214-0000`

Property Details

APN / Parcel Number

Primary APN	`20-2N-29-0000-00214-0000`
Alternative APN	`N292200000002140000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,314 sqft Living Area
Gross Area	4,531 sqft
1st Floor Area	2,314 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	60,113 sqft (1.38 acres)
Lot Dimensions	318 ft deep x 166 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	207 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3478 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 2023 PARCEL H DESCRIBED AS FOLS: COM AT SE CORNER OF SW4 OF NE4 OF NW4 OF SECTION 20 TOWNSHIP 2 NORTH RANGE 29 WEST THN N884512W 480.66 FT THN N10114E 10.60 FT TO CURVED C/L OF ACEY LOWERY MAINTENANCE CLAIM (R=240 CA=16*202
Legal Range	29W
Legal Township	2N
Legal Section	20
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2001
Census Tract	10303

Owner

Source: Santa Rosa County records, as of December 8, 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	3478 ACY LOWERY RD, MILTON, FL 32571-9414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME LOAN AND INVESTMENT BANK FSB
Nov 2, 2022	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Mar 25, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jul 28, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Apr 23, 2018	Loan Modification, Mortgage · Conventional Mortgage PEN AIR FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2022 · Amount on Record
Deed Sale	Nov 2, 2022 · Amount on Record
Prior Sale	Mar 25, 2021 · Amount on Record
Deed Document Number	202261933
Deed Book / Page	4341 / 1043
Prior Transfer Date	Jul 17, 2017
Prior Transfer Doc	0036431782
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3478 ACY LOWERY RD, PACE, FL 32571-9414
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3478 ACY LOWERY RD, PACE, FL 32571-9414

Mortgage

Document Number	0041361328
Date	Jun 21, 2021
Book Page	4136/1328
Instrument	202141594

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank
Address	WARWICK, RI 02886

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	119 Months
Due	May 14, 2031

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 2, 2022
Property Address	3478 ACY LOWERY RD, PACE, FL 32571-9414
Document Number	0043411043
Book / Page	4341 / 1043
Instrument Date	Oct 25, 2022
Instrument	202261933
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	ABSOLUTE TITLE OF FLORIDA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,444.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2581 POPE MASTER RD, MILTON, FL 32570-9107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3478 ACY LOWERY RD, PACE, FL 32571-9414

Mortgage

Document Number	0043411045
Date	Nov 2, 2022
Book Page	4341/1045
Instrument	202261934

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 25, 2021
Property Address	3478 ACY LOWERY RD, PACE, FL 32571-9414
Document Number	0040921587
Book / Page	4092 / 1587
Instrument Date	Mar 19, 2021
Instrument	202119580
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5540 SPECTRA CIR APT 204, 204, FORT MYERS, FL 33908-5381

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3478 ACY LOWERY RD, MILTON, FL 32571-9414

Mortgage

Document Number	0040921590
Date	Mar 25, 2021
Instrument	4092/1590

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 28, 2020
Property Address	3478 ACY LOWERY RD, PACE, FL 32571-9414
Document Number	0039820486
Book / Page	003982 / 000486
Instrument Date	Jul 28, 2020
Instrument	37587
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3478 ACY LOWERY RD PACE FL 325719414, PACE, FL 32571-9414

Mortgage

Document Number	39820489
Date	Jul 28, 2020
Book Page	003982/000489
Instrument	37588

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Property Address	3478 ACY LOWERY RD, PACE, FL 32571-9414
Document Number	0037220623
Instrument Date	Apr 23, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3478 ACV LOWERY RD PACE FL 32571, PACE, FL 32571

Mortgage

Document Number	0037220623
Date	Apr 27, 2018
Book Page	003722/000623
Instrument	16718

Lender

Name	PEN AIR FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2048

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		$327,248 (+2.9%)	$358,551 (+3.22%) Land $31,740 Building $326,811
2024	$3,473.00 (+0.4%) Homeowner's exemption Disabled Person's exemption	$318,025 (+3%)	$347,352 (+2.18%) Land $26,220 Building $321,132
2023	$3,459.00 (-14.57%)	$308,762 (+0.73%)	$339,940 (+10.9%) Land $22,080 Building $317,860
2022	$4,049.00	$306,537	$306,537 Land $22,080 Building $284,457

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 69% of the US · above 50% 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

3478 Acy Lowery Rd, Pace (Milton), FL 32571 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2018: Loan Modification, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Acy Lowery Rd

Nearby Streets

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