3974 Cotton Rd, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 3974 Cotton Rd, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,090 sqft · built 1960
Lot Size	1.54 acres (67,431 sqft)
Owner	Individual Name on Record
Last Sale	$285,500 (Dec 2023)
Tax Bill	$1,968 (2024)
Deeds & Mortgages	Dec 2023 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-1N-29-0000-07900-0000`

Property Details

APN / Parcel Number

Primary APN	`16-1N-29-0000-07900-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,090 sqft Heated Area
Gross Area	2,970 sqft
1st Floor Area	2,090 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1970
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	67,431 sqft (1.54 acres)
Lot Dimensions	3,210 ft deep x 2,100 ft wide
Garage Type	Mixed
Garage Area	744 sqft
Carport	Carport
Carport Area	1 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	136 sqft
Shed	1 Shed
Shed Area	2 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	161N290000079000000
Street Address	3974 COTTON RD
City	PACE
State	FL
Zip	32571-1936
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DESCRIPTION UPDATED FOR 2024 COM AT SE CORN OF S2 OF S2 OF S2 OF GOVT LOT 3 16-1N-29W THN W 210 FT FOR POB & CONT 210 FT
Legal Range	29W
Legal Township	01N
Legal Section	16
Legal Lot Number	3,16
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2005
Census Tract	10705

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	3974 COTTON RD, PACE, FL 32571-1936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC
May 22, 2017	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2023 · Amount on Record
Deed Sale	Dec 1, 2023 · Amount on Record
Prior Sale	May 22, 2017 · Amount on Record
Deed Document Number	202353524
Deed Book / Page	4455 / 867
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 1, 2023
Property Address	3974 COTTON RD, PACE, FL 32571-1936
Document Number	0044550867
Book / Page	4455 / 867
Instrument Date	Nov 30, 2023
Instrument	202353524
Transaction Type	Transfer
Record Updated	Jan 12, 2024
Title Company	CLEAR TITLE OF NORTHWEST FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,998.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	608 EXETER DR, DELAWARE, OH 43015-4053

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3974 COTTON RD, PACE, FL 32571-1936

Mortgage

Document Number	0044550870
Date	Dec 1, 2023
Book Page	4455/870
Instrument	202353525

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55405

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 22, 2017
Property Address	3974 COTTON RD, PACE, FL 32571-1936
Document Number	0036260845
Book / Page	3626 / 0845
Instrument Date	May 10, 2017
Instrument	201720509
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ANCLOR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$931.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6503 MUCK POND RD, 6503, SEFFNER, FL 33584-2438

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3974 COTTON RD, MILTON, FL 32571-1936

Mortgage

Document Number	0201720510
Date	May 22, 2017
Instrument	201720510

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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	$1,968.00 (+112.99%) Homeowner's exemption	$182,981 (+65.99%) Land $21,000 Building $161,981	$182,981 (+31.02%) Land $21,000 Building $161,981
2023	$924.00 (+3.59%) Homeowner's exemption	$110,233 (+3%)	$139,655 (-0.22%) Land $16,800 Building $122,855
2022	$892.00 Homeowner's exemption	$107,022	$139,969 Land $16,800 Building $123,169

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	27 (1979–2020)
Claims Outside the SFHA	24 of 27
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 6 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 8 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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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.

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

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cox Communications.

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