3964 Charles Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 3964 Charles Cir, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,100 sqft · built 1965
Lot Size	0.755 acres (32,888 sqft)
Owner	2 Individual Names on File
Tax Bill	$360 (2024)
Deeds & Mortgages	Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-1N-29-4550-00000-0530`

Property Details

APN / Parcel Number

Primary APN	`04-1N-29-4550-00000-0530`
Alternative APN	`N291044550000000530`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,100 sqft Living Area
Gross Area	1,180 sqft
1st Floor Area	1,100 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	32,888 sqft (0.755 acres)
Lot Width	135 ft Width

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	80 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	3964 CHARLES CIR
City	PACE
State	FL
Zip	32571-8836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	SALANA HEIGHTS LOTS 53 & 54 AS DES IN OR 4567 PG 1163
Legal Range	29W
Legal Township	1N
Legal Section	04
Legal Subdivision	SALANA HEIGHTS
Legal Lot Number	53
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	4
Census Block	4002
Census Tract	10708

Owner

Source: Santa Rosa County records · APN 04-1N-29-4550-00000-0530

Assessment roll updated December 8, 2025 · Last verified August 2026

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 File
Mailing Address	3964 CHARLES CIR, PACE, FL 32571-8836
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 19, 2015
Deed Sale	May 19, 2015
Deed Document Number	201517662
Deed Book / Page	3429 / 1237
Last Transfer Date	Dec 03, 2024
Transfer Doc	0045671163
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3964 CHARLES CIR, PACE, FL 32571-8836
Document Number	0038240609
Instrument Date	Apr 25, 2019
Transaction Type	Mortgage
Record Updated	Jul 02, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3964 CHARLES CIR PACE FL 325718836, PACE, FL 32571-8836

Mortgage

Document Number	0038240609
Date	Apr 30, 2019
Book Page	003824/000609
Instrument	17313

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 29, 2034

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$127,565 (+99.61%) Land $43,200 Building $84,365	$127,565 (+14.38%) Land $43,200 Building $84,365
2024	$360.00 (+5%) Homeowner's exemption Senior Citizen's exemption	$63,907 (+3%)	$111,529 (+0.88%) Land $36,000 Building $75,529
2023	$240.00 (+2.56%) Homeowner's exemption Senior Citizen's exemption	$62,046 (+3%)	$110,552 (+17.32%) Land $36,000 Building $74,552
2022	$234.00 Homeowner's exemption Senior Citizen's exemption	$60,239	$94,232 Land $22,500 Building $71,732

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), as of November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130107084, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	3 (2017–2021)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Feb 2021 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

Based on FCC filings for 162 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL1570671, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	PACE WATER SYSTEM, INC. private · serves 49,328 people
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	3 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	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.