3751 Cotton Gin Ln, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 3751 Cotton Gin Ln, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,751 sqft · built 2008
Lot Size	4.12 acres (179,816 sqft)
Owner	2 Individual Names on File
Last Sale	$775,000 (Jul 2026)
Tax Bill	$6,183 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-2N-29-2763-00000-0070`

Property Details

APN / Parcel Number

Primary APN	`08-2N-29-2763-00000-0070`
Alternative APN	`N292082763000000070`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,751 sqft Living Area
Gross Area	4,846 sqft
1st Floor Area	3,751 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	179,816 sqft (4.12 acres)
Lot Dimensions	631 ft deep x 285 ft wide
Garage Type	Attached
Garage Area	759 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3751 COTTON GIN LN
City	MILTON
State	FL
Zip	32571-9481
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	NOBLES PLANTATION LOT 7 AS DES IN OR 3376 PG 902 & OR BK 4659 PG 1896.
Legal Range	29W
Legal Township	2N
Legal Section	08
Legal Subdivision	NOBLES PLANTATION
Legal Lot Number	7
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2001
Census Tract	10303

Owner

3751 Cotton Gin Ln is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	3751 COTTON GIN LN, MILTON, FL 32571-9481
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026 · Amount on File
Deed Sale	Jul 13, 2026 · Amount on File
Prior Sale	Oct 1, 2014 · Amount on File
Deed Document Number	202635171
Deed Book / Page	4766 / 1281
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 13, 2026
Property Address	3751 COTTON GIN LN, MILTON, FL 32571-9481
Document Number	0000035171
Book / Page	4766 / 1281
Instrument Date	Jun 26, 2026
Instrument	202635171
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	PANHANDLE TITLE INC, PANHANDLE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$547,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3751 COTTON GIN LN, MILTON, FL 32571-9481

Mortgage

Document Number	0000035172,
Date	Jul 13, 2026
Instrument	202635172

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 3751 Cotton Gin Ln was $6,183, up 2.7% 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	$6,183.00 (+2.74%)	$494,246 (+2.89%) Land $90,000 Building $404,246	$494,246 (+2.89%) Land $90,000 Building $404,246
2024	$6,018.00 (-3.01%)	$480,385 (+0.78%) Land $90,000 Building $390,385	$480,385 (+0.78%) Land $90,000 Building $390,385
2023	$6,205.00 (+6.65%)	$476,685 (+4.53%) Land $90,000 Building $386,685	$476,685 (+4.53%) Land $90,000 Building $386,685
2022	$5,818.00	$456,010	$456,010 Land $72,000 Building $384,010

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

Flood

FEMA maps place 3751 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 3751 Cotton Gin Ln is moderate, ranking above 67% 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 67% of the US · above 45% 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