3794 Cotton Gin Ln, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 3794 Cotton Gin Ln, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,283 sqft · built 2019
Lot Size	4.02 acres (175,111 sqft)
Owner	2 Individual Names on Record
Last Sale	$462,000 (Oct 2019)
Tax Bill	$4,802 (2024)
Deeds & Mortgages	Mar 2019 Line of Credit Oct 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-2N-29-2763-00000-0040`

Property Details

APN / Parcel Number

Primary APN	`08-2N-29-2763-00000-0040`
Alternative APN	`N292082763000000040`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,283 sqft Living Area
Gross Area	4,524 sqft
1st Floor Area	2,155 sqft
Upper Floors Area	1,128 sqft
Attic	Attic
Attic Area	210 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	175,111 sqft (4.02 acres)
Lot Dimensions	660 ft deep x 265 ft wide
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	359 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3794 COTTON GIN LN
City	PACE
State	FL
Zip	32571-9481
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	NOBLES PLANTATION LOT 4 AS DES IN OR 3883 PG 1666
Legal Range	29W
Legal Township	2N
Legal Section	08
Legal Subdivision	NOBLES PLANTATION
Legal Lot Number	4
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	3794 COTTON GIN LN, MILTON, FL 32571-9481
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2019	Deed of Trust, Mortgage · Line of Credit FIDELITY BANK
Oct 25, 2019	Warranty Deed, Transfer · Conventional Mortgage SYNOVUS MORTGAGE CORP
May 8, 2017	Warranty Deed, Transfer · Conventional Mortgage GOODEN INV HLDGS LP LLLP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2019 · Amount on Record
Deed Sale	Oct 25, 2019 · Amount on Record
Prior Sale	Apr 1, 2017 · Amount on Record
Deed Document Number	201948106
Deed Book / Page	3883 / 1666
Prior Transfer Date	Mar 25, 2010
Prior Transfer Doc	0029940509
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3794 COTTON GIN LN, PACE, FL 32571-9481
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038091611
Date	Mar 8, 2019
Book Page	3809/1611
Instrument	201908965

Lender

Name	FIDELITY BANK
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 25, 2019
Property Address	3794 COTTON GIN LN, PACE, FL 32571-9481
Document Number	0038831666
Book / Page	3883 / 1666
Map Reference	MB 10 PG 19&20
Instrument Date	Oct 21, 2019
Instrument	201948106
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,234.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3794 COTTON GIN LN, MILTON, FL 32571-9481

Mortgage

Document Number	0038831668
Date	Oct 25, 2019
Instrument	3883/1668

Lender

Name	SYNOVUS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 8, 2017
Property Address	3794 COTTON GIN LN, PACE, FL 32571-9481
Document Number	0036220729
Book / Page	003622 / 000729
Instrument Date	Apr 4, 2017
Instrument	18098
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	SURETY LAND AND TITLE COMPANY, SURETY LAND & TITLE CO

Transaction

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

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	36220730
Date	May 8, 2017
Book Page	003622/000730
Instrument	18099

Lender

Name	GOODEN INV HLDGS LP LLLP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$427,157 (+2.9%)	$481,530 (+1.53%) Land $90,000 Building $391,530
2024	$4,802.00 (+0.92%) Homeowner's exemption	$415,119 (+3%)	$474,271 (+0.84%) Land $90,000 Building $384,271
2023	$4,758.00 (+2.39%) Homeowner's exemption	$403,028 (+3%)	$470,315 (+6.17%) Land $90,000 Building $380,315
2022	$4,647.00 Homeowner's exemption	$391,289	$442,991 Land $72,000 Building $370,991

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 62% of the US · lower than 63% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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