3966 Charles Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 3966 Charles Cir, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,270 sqft · built 2007
Lot Size	0.305 acres (13,286 sqft)
Owner	Individual Name on Record
Last Sale	$113,000 (Jun 2008)
Tax Bill	$856 (2024)
Deeds & Mortgages	Feb 2026 Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-1N-29-4550-00000-0520`

Property Details

APN / Parcel Number

Primary APN	`04-1N-29-4550-00000-0520`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,270 sqft Heated Area
Gross Area	1,631 sqft
1st Floor Area	1,512 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	13,286 sqft (0.305 acres)
Lot Dimensions	1,330 ft deep x 1,000 ft wide
Garage Area	242 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	119 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	041N294550000000520
Street Address	3966 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 LOT 52 AS DES IN OR 2837 PG 1593
Legal Range	29W
Legal Township	01N
Legal Section	04
Legal Subdivision	SALANA HEIGHTS
Legal Lot Number	52
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	4
Census Block	4002
Census Tract	10708

Owner

Source: Santa Rosa County records, as of October 27, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3966 CHARLES CIR, PACE, FL 32571-8836
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2008 · Amount on Record
Deed Sale	Jun 25, 2008 · Amount on Record
Prior Sale	May 31, 2007 · Amount on Record
Deed Document Number	200825269
Deed Book / Page	2837 / 1593
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3966 CHARLES CIR, PACE, FL 32571-8836
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3966 CHARLES CIR, PACE, FL 32571-8836

Mortgage

Document Number	0047080453
Date	Feb 12, 2026
Book Page	4708/453
Instrument	202607032

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3966 CHARLES CIR, PACE, FL 32571-8836
Transaction Type	Mortgage
Record Updated	Mar 14, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040551668
Date	Jan 13, 2021
Book Page	4055/1668
Instrument	202102274

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$856.00 (+13.98%) Homeowner's exemption	$99,905 (+3%)	$155,108 (+0.51%) Land $20,000 Building $135,108
2023	$751.00 (+4.02%) Homeowner's exemption	$96,995 (+3%)	$154,327 (+9.98%) Land $20,000 Building $134,327
2022	$722.00 Homeowner's exemption	$94,170	$140,320 Land $12,500 Building $127,820

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 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

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

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	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

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, 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 162 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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