3662 Cotton Gin Ln, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 3662 Cotton Gin Ln, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,952 sqft · built 2017
Lot Size	4.05 acres (176,810 sqft)
Owner	2 Individual Names on File
Last Sale	$810,000 (Jun 2022)
Tax Bill	$5,632 (2024)
Deeds & Mortgages	Feb 2023 Mortgage Nov 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-2N-29-2763-00000-0120`

Property Details

APN / Parcel Number

Primary APN	`08-2N-29-2763-00000-0120`
Alternative APN	`N292082763000000120`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,952 sqft Living Area
Gross Area	4,117 sqft
1st Floor Area	2,952 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	176,810 sqft (4.05 acres)
Lot Dimensions	660 ft deep x 267 ft wide
Garage Type	Attached
Garage Area	671 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	494 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3662 COTTON GIN LN
City	PACE
State	FL
Zip	32571-9480
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	NOBLES PLANTATION LOT 12 AS DES IN OR 4297 PG 512
Legal Range	29W
Legal Township	2N
Legal Section	08
Legal Subdivision	NOBLES PLANTATION
Legal Lot Number	12
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2001
Census Tract	10303

Owner

3662 Cotton Gin Ln is owned and occupied by two individuals who bought it in June 2022.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3662 COTTON GIN LN, MILTON, FL 32571-9480
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 18, 2024	Warranty Deed, Transfer · Commercial Mortgage THE FIDELITY BANK
Jun 21, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 21, 2017	Warranty Deed, Transfer · Line of Credit GOODEN INV HLDGS LP LLLP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2022 · Amount on File
Deed Sale	Jun 21, 2022 · Amount on File
Prior Sale	Jan 12, 2018 · Amount on File
Deed Document Number	202236880
Deed Book / Page	4297 / 512
Prior Transfer Date	Mar 25, 2010
Prior Transfer Doc	0029940509
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3662 COTTON GIN LN, PACE, FL 32571-9480
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 WATERVIEW CIR, NEWNAN, GA 30263-4848

Mortgage

Document Number	0043651307
Date	Feb 9, 2023
Book Page	4365/1307
Instrument	202305367

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jul 1, 2052

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 18, 2024
Property Address	3662 COTTON GIN LN, PACE, FL 32571-9480
Document Number	0045630393
Book / Page	4563 / 393
Instrument Date	Nov 13, 2024
Instrument	202452115
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$10,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5702 LAKESIDE CT, MILTON, FL 32583-8679

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3662 COTTON GIN LN, PACE, FL 32571-9480

Mortgage

Document Number	0045630425
Date	Nov 18, 2024
Book Page	4563/425
Instrument	202452118

Lender

Name	THE FIDELITY BANK
Type	Bank
Address	LEXINGTON, NC 27292

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 21, 2022
Property Address	3662 COTTON GIN LN, PACE, FL 32571-9480
Document Number	0042970512
Book / Page	4297 / 512
Map Reference	MB 10 PG 19
Instrument Date	Jun 17, 2022
Instrument	202236880
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,670.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6100 JAYS WAY, MILTON, FL 32570-7844

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3662 COTTON GIN LN, PACE, FL 32571-9480

Mortgage

Document Number	0004297514
Date	Jun 21, 2022
Instrument	4297/514

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 21, 2017
Property Address	3662 COTTON GIN LN, PACE, FL 32571-9480
Document Number	0036442026
Book / Page	003644 / 002026
Instrument Date	Jun 30, 2017
Instrument	29814
Transaction Type	Transfer
Record Updated	Aug 8, 2017
Title Company	SURETY LAND AND TITLE COMPANY, SURETY LAND & TITLE CO

Transaction

Amount	Amount on Record
Tax	$595.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1300 E OLIVE RD PENSACOLA FL 325144820, PENSACOLA, FL 32514-4820

Mortgage

Document Number	36442027
Date	Jul 21, 2017
Book Page	003644/002027
Instrument	29815

Lender

Name	GOODEN INV HLDGS LP LLLP

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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		$506,850 (+2.9%)	$524,393 (+6.46%) Land $90,000 Building $434,393
2024	$5,632.00 (-4.3%) Homeowner's exemption	$492,566 (+0.72%) Land $90,000 Building $402,566	$492,566 (+0.72%) Land $90,000 Building $402,566
2023	$5,885.00 (+10.21%)	$489,033 (+19.3%) Land $90,000 Building $399,033	$489,033 (+19.3%) Land $90,000 Building $399,033
2022	$5,340.00	$409,931	$409,931 Land $72,000 Building $337,931

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

Flood

FEMA maps place 3662 Cotton Gin Ln in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2014.

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 File 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

Wildfire risk around 3662 Cotton Gin Ln is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 52% 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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