Santa Rosa County property record for 4098 Manchester Ct, Pace, FL 32571
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,963 sqft · built 2018 |
| Lot Size | 0.516 acres (22,477 sqft) |
| Owner | Individual Name on File |
| Last Sale | $312,475 (Jun 2018) |
| Tax Bill | $3,527 (2024) |
| Deeds & Mortgages | Feb 2024 Reverse Mortgage Nov 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2N-29-0001-00G00-0270 |
| Primary APN | 28-2N-29-0001-00G00-0270 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,963 sqft Heated Area |
| Gross Area | 4,114 sqft |
| 1st Floor Area | 3,740 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 22,477 sqft (0.516 acres) |
| Lot Dimensions | 2,500 ft deep x 900 ft wide |
| Garage Area | 777 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 374 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 282N29000100G000270 |
|---|---|
| Street Address | 4098 MANCHESTER CT |
| City | PACE |
| State | FL |
| Zip | 32571-7616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | ABERNATHY LOT 27 BLK G AS DES IN OR 3736 PG 1818 |
| Legal Range | 29W |
| Legal Township | 02N |
| Legal Section | 28 |
| Legal Subdivision | ABERNATHY |
| Legal Block | G |
| Legal Lot Number | 27 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | PACE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 10303 |
4098 Manchester Ct is owned and occupied by an individual who bought it in June 2018.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4098 MANCHESTER CT, PACE, FL 32571-7616 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 13, 2024 | Deed of Trust, Mortgage · Reverse Mortgage PENTAGON FCU |
| Nov 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 29, 2021 | Deed of Trust, Mortgage DISCOVER BANK |
| Mar 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Jun 12, 2018 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD |
| Oct 13, 2017 | Warranty Deed, Transfer DHI TITLE/FL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2018 · Amount on File |
| Deed Sale | Jun 12, 2018 · Amount on File |
| Deed Document Number | 201824385 |
| Deed Book / Page | 3736 / 1818 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4098 MANCHESTER CT, PACE, FL 32571-7616 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4098 MANCHESTER CT, MILTON, FL 32571-7616 |
| Document Number | 0044731439 |
|---|---|
| Date | Feb 13, 2024 |
| Book Page | 4473/1439 |
| Instrument | 202406177 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | 7940 JONES BRANCH DR, TYSONS, VA 22102 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 2, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4098 MANCHESTER CT, PACE, FL 32571-7616 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4098 MANCHESTER CT, PACE, FL 32571-7616 |
| Document Number | 0042091952 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 4209/1952 |
| Instrument | 202177455 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4098 MANCHESTER CT, PACE, FL 32571-7616 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4098 MANCHESTER CT, PACE, FL 32571-7616 |
| Document Number | 0040941065 |
|---|---|
| Date | Mar 29, 2021 |
| Book Page | 4094/1065 |
| Instrument | 202120360 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4098 MANCHESTER CT, PACE, FL 32571-7616 |
| Document Number | 0039350665 |
| Instrument Date | Mar 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4098 MANCHESTER CT MILTON FL 325717616, MILTON, FL 32571-7616 |
| Document Number | 0039350665 |
|---|---|
| Date | Apr 1, 2020 |
| Book Page | 003935/000665 |
| Instrument | 15943 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 31, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 12, 2018 |
| Property Address | 4098 MANCHESTER CT, PACE, FL 32571-7616 |
| Document Number | 0037361818 |
| Book / Page | 3736 / 1818 |
| Map Reference | MB10 PG77&78 |
| Instrument Date | Jun 8, 2018 |
| Instrument | 201824385 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,187.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126 |
| Name | Verified Name |
|---|---|
| Address | 4098 MANCHESTER CT, MILTON, FL 32571-7616 |
| Document Number | 0201824386 |
|---|---|
| Date | Jun 12, 2018 |
| Instrument | 201824386 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 13, 2017 |
| Property Address | 4098 MANCHESTER CT, PACE, FL 32571-7616 |
| Document Number | 0036700364 |
| Book / Page | 003670 / 000364 |
| Instrument Date | Oct 5, 2017 |
| Instrument | 42979 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2017 |
| Title Company | DHI TITLE/FL INC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,975.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 25366 PROFIT DR DAPHNE AL 365265126, DAPHNE, AL 36526-5126 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $3,527.00 (+3.55%) Homeowner's exemption | $300,975 (+3%) | $412,567 (+0.87%) Land $53,000 Building $359,567 |
| 2023 | $3,406.00 (+2.44%) Homeowner's exemption | $292,209 (+3%) | $409,024 (+3.12%) Land $53,000 Building $356,024 |
| 2022 | $3,325.00 Homeowner's exemption | $283,698 | $396,662 Land $49,000 Building $347,662 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4098 Manchester Ct in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2014.
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 File 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.
Wildfire risk around 4098 Manchester Ct is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 77% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 188 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 | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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