3684 Cotton Gin Ln, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 3684 Cotton Gin Ln, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,058 sqft · built 2016
Lot Size	4.02 acres (175,111 sqft)
Owner	Individual Name on File
Tax Bill	$7,221 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-2N-29-2763-00000-0130`

Property Details

APN / Parcel Number

Primary APN	`08-2N-29-2763-00000-0130`
Alternative APN	`N292082763000000130`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,058 sqft Living Area
Gross Area	7,581 sqft
1st Floor Area	4,250 sqft
Upper Floors Area	808 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	175,111 sqft (4.02 acres)
Lot Dimensions	630 ft deep x 278 ft wide
Garage Type	Attached
Garage Area	813 sqft
Parking Spaces	5 Parking Spaces
Porch	Finished/Open Porch
Porch Area	868 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3684 COTTON GIN LN
City	MILTON
State	FL
Zip	32571-9480
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	NOBLES PLANTATION LOT 13 AS DES IN OR 3507 PG 1127
Legal Range	29W
Legal Township	2N
Legal Section	08
Legal Subdivision	NOBLES PLANTATION
Legal Lot Number	13
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2001
Census Tract	10303

Owner

3684 Cotton Gin Ln is owned and occupied by an individual who acquired it in March 2016.

Source: Santa Rosa County records, as of June 9, 2026

Owner of Record	Individual Name on File
Mailing Address	3684 COTTON GIN LN, MILTON, FL 32571-9480
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO
Jun 14, 2018	Deed of Trust, Mortgage · Conventional with PMI PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2016
Deed Sale	Mar 30, 2016
Prior Sale	Sep 4, 2015 · Amount on File
Deed Document Number	201611492
Deed Book / Page	3507 / 1127
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3684 COTTON GIN LN, PACE, FL 32571-9480
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SPRINGDALE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039381722
Date	Apr 14, 2020
Book Page	3938/1722
Instrument	202017609

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3684 COTTON GIN LN, PACE, FL 32571-9480
Document Number	0037420396
Instrument Date	Jun 14, 2018
Transaction Type	Mortgage
Record Updated	Sep 5, 2018
Title Company	SECURITY LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3684 COTTON GIN LN PACE FL 325719480, PACE, FL 32571-9480

Mortgage

Document Number	0037420396
Date	Jun 27, 2018
Book Page	003742/000396
Instrument	27165

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	GULF BREEZE, FL 32561

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3684 Cotton Gin Ln was $7,221 with a homeowner's exemption, up 2.8% from the year before.

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	$7,221.00 (+2.79%) Homeowner's exemption	$600,577 (+2.9%)	$738,706 (+2.54%) Land $90,000 Building $648,706
2024	$7,025.00 (+1.8%) Homeowner's exemption	$583,651 (+3%)	$720,382 (+0.78%) Land $90,000 Building $630,382
2023	$6,901.00 (+2.3%) Homeowner's exemption	$566,651 (+3%)	$714,802 (+3.31%) Land $90,000 Building $624,802
2022	$6,746.00 Homeowner's exemption	$550,147	$691,903 Land $72,000 Building $619,903

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

Flood

FEMA maps place 3684 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 3684 Cotton Gin Ln is moderate, ranking above 68% 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	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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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