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3728 Cotton Gin Ln, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 3728 Cotton Gin Ln, Pace, FL 32571

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,800 sqft · built 2020
Lot Size4.01 acres (174,763 sqft)
OwnerIndividual Name on Record
Last Sale$605,000 (Jan 2021)
Tax Bill$7,191 (2024)
Deeds & MortgagesJan 2021 Sale & Mortgage
Dec 2020 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN08-2N-29-2763-00000-0010

Property Details

APN / Parcel Number

Primary APN08-2N-29-2763-00000-0010
Alternative APN
  • N292082763000000010

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,800 sqft Living Area
Gross Area7,363 sqft
1st Floor Area3,422 sqft
Upper Floors Area378 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area174,763 sqft (4.01 acres)
Lot Dimensions630 ft deep x 277 ft wide
Garage TypeAttached
Garage Area729 sqft
Parking Spaces7 Parking Spaces
PorchScreened Porch
Porch Area849 sqft
Patio Area190 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3728 COTTON GIN LN
CityPACE
StateFL
Zip32571-9481
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-RR
Legal DescriptionNOBLES PLANTATION LOT 1 AS DES IN OR 4054 PG 1232
Legal Range29W
Legal Township2N
Legal Section08
Legal SubdivisionNOBLES PLANTATION
Legal Lot Number1
JurisdictionSANTA ROSA FL
Township / Civil DivisionPACE
Census Block Group2
Census Block2001
Census Tract10303

Owner

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

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 RecordIndividual Name on Record
Mailing Address3728 COTTON GIN LN, MILTON, FL 32571-9481
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jan 11, 2021Warranty Deed, Transfer · Conventional Mortgage
TRIDENT HOME LOANS
Dec 3, 2020Warranty Deed, Transfer
NOT AVAILABLE
Dec 23, 2019Loan Modification, Mortgage · Line of Credit
AMERIS BK
May 8, 2017Warranty Deed, Transfer · Conventional Mortgage
GOODEN INV HLDGS LP LLLP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 11, 2021 · Amount on Record
Deed SaleJan 11, 2021 · Amount on Record
Prior SaleDec 3, 2020 · Amount on Record
Deed Document Number20211634
Deed Book / Page4054 / 1232
Prior Transfer DateMar 25, 2010
Prior Transfer Doc0029940509
Record UpdatedJun 8, 2026

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJan 11, 2021
Property Address3728 COTTON GIN LN, PACE, FL 32571-9481
Document Number0040541232
Book / Page4054 / 1232
Map ReferenceMB 10 PG 19&20
Instrument DateJan 4, 2021
Instrument202101634
Transaction TypeTransfer
Record UpdatedMar 27, 2026
Title CompanySURETY LAND TITLE/FL LLC, SURETY LAND TITLE OF FL LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,235.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3728 COTTON GIN LN, PACE, FL 32571-9481

Mortgage

Document Number0040541233
DateJan 11, 2021
Instrument4054/1233
Lender
NameTRIDENT HOME LOANS
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2051

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateDec 3, 2020
Property Address3728 COTTON GIN LN, PACE, FL 32571-9481
Document Number0040370712
Book / Page004037 / 000712
Instrument DateDec 2, 2020
Instrument64768
Transaction TypeTransfer
Record UpdatedJan 8, 2021
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$490.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3684 COTTON GIN LN PACE FL 325719480, PACE, FL 32571-9480

December 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSANTA ROSA FL
Property Address3728 COTTON GIN LN, PACE, FL 32571-9481
Document Number0039110666
Instrument DateDec 23, 2019
Transaction TypeMortgage
Record UpdatedMar 13, 2020
Title CompanySURETY LAND TITLE/FL LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1300 E OLIVE RD PENSACOLA FL 325144820, PENSACOLA, FL 32514-4820

Mortgage

Document Number0039110666
DateJan 22, 2020
Book Page003911/000666
Instrument3168
Lender
NameAMERIS BK
TypeBank
AddressJACKSONVILLE, FL 32256
Agreement
TypeLine of Credit
Interest
Rate TypeAdjustable Rate

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMay 8, 2017
Property Address3728 COTTON GIN LN, PACE, FL 32571-9481
Document Number0036220729
Book / Page003622 / 000729
Instrument DateApr 4, 2017
Instrument18098
Transaction TypeTransfer
Record UpdatedJul 11, 2017
Title CompanySURETY LAND AND TITLE COMPANY, SURETY LAND & TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,450.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1300 E OLIVE RD PENSACOLA FL 325144820, PENSACOLA, FL 32514-4820

Mortgage

Document Number36220730
DateMay 8, 2017
Book Page003622/000730
Instrument18099
Lender
NameGOODEN INV HLDGS LP LLLP
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$624,756 (+2.9%)$663,307 (+1.63%) Land $90,000 Building $573,307
2024$7,191.00 (-0.13%) Homeowner's exemption$607,149 (+3%)$652,699 (+0.9%) Land $90,000 Building $562,699
2023$7,200.00 (+2.29%) Homeowner's exemption$589,465 (+3%)$646,900 (+3.74%) Land $90,000 Building $556,900
2022$7,039.00 Homeowner's exemption$572,296$623,592 Land $72,000 Building $551,592

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 84 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies84 in force
Nearby Flood Claims11 (2014–2020)
Claims Outside the SFHA11 of 11
Most Recent ClaimSep 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 RiskModerate
above 67% of the US · above 45% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemCHUMUCKLA WATER SYSTEM, INC.
private · serves 5,527 people · EPA ID FL1570140
Water SourceGroundwater
Last State InspectionAug 2024
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
Conexon Connect
Fiber		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20

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