Santa Rosa County property record for 3944 Harbors Port St, Pace, FL 32571
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,842 sqft · built 2000 |
| Lot Size | 0.229 acres (9,975 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,500 (Oct 2024) |
| Tax Bill | $1,831 (2024) |
| Deeds & Mortgages | Jun 2021 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2N-29-2778-00E00-0200 |
| Primary APN | 28-2N-29-2778-00E00-0200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,842 sqft Living Area |
| Gross Area | 2,918 sqft |
| 1st Floor Area | 1,842 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 9,975 sqft (0.229 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 84 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3944 HARBORS PORT ST |
|---|---|
| City | PACE |
| State | FL |
| Zip | 32571-6312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | NORTH HARBOR LOT 20 BLK E AS DES IN OR 4557 PG 1550 |
| Legal Range | 29W |
| Legal Township | 2N |
| Legal Section | 28 |
| Legal Subdivision | NORTH HARBOR |
| Legal Block | E |
| Legal Lot Number | 20 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | PACE |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 10303 |
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 | 2022 DOWNING DR, PENSACOLA, FL 32505-1860 |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Date | Document |
|---|---|
| Jun 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jul 27, 2018 | Warranty Deed, Transfer · Conventional Mortgage CERTANTY HOME LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2024 · Amount on Record |
| Deed Sale | Oct 31, 2024 · Amount on Record |
| Prior Sale | Jul 27, 2018 · Amount on Record |
| Deed Document Number | 202449505 |
| Deed Book / Page | 4557 / 1550 |
| Prior Transfer Date | May 20, 2005 |
| Prior Transfer Doc | 0024610073 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3944 HARBORS PORT ST, PACE, FL 32571-6312 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3944 HARBORS PORT ST, MILTON, FL 32571-6312 |
| Document Number | 0041342077 |
|---|---|
| Date | Jun 17, 2021 |
| Book Page | 4134/2077 |
| Instrument | 202140768 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 27, 2018 |
| Property Address | 3944 HARBORS PORT ST, PACE, FL 32571-6312 |
| Document Number | 0037511911 |
| Book / Page | 3751 / 1911 |
| Map Reference | MB G PG73 |
| Instrument Date | Jul 27, 2018 |
| Instrument | 201832178 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | CHAMPIONSHIP TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,294.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3944 HARBORS PORT ST, 3944, MILTON, FL 32571-6312 |
| Name | Verified Name |
|---|---|
| Address | 3944 HARBORS PORT ST, MILTON, FL 32571-6312 |
| Document Number | 0201832179 |
|---|---|
| Date | Jul 27, 2018 |
| Instrument | 201832179 |
| Name | CERTANTY HOME LOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $241,001 (+44.31%) Land $38,000 Building $203,001 | $241,001 (-1.37%) Land $38,000 Building $203,001 | |
| 2024 | $1,831.00 (+11.17%) Homeowner's exemption | $167,008 (+3%) | $244,344 (+0.19%) Land $36,000 Building $208,344 |
| 2023 | $1,647.00 (+15.26%) Homeowner's exemption | $162,144 (+12.24%) | $243,880 (+11.82%) Land $38,000 Building $205,880 |
| 2022 | $1,429.00 Homeowner's exemption | $144,458 | $218,099 Land $31,000 Building $187,099 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PACE WATER SYSTEM, INC. private · serves 49,328 people · EPA ID FL1570671 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 314 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Mediacom Xtream Cable · Fiber, Fixed Wireless in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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