4108 Charles Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 4108 Charles Cir, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,049 sqft · built 1968
Lot Size	0.61 acres (26,572 sqft)
Owner	Company Name on Record
Last Sale	$41,400 (Jan 2026)
Tax Bill	$636 (2024)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jan 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-1N-29-4550-00000-0170`

Property Details

APN / Parcel Number

Primary APN	`04-1N-29-4550-00000-0170`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,049 sqft Heated Area
Gross Area	2,420 sqft
1st Floor Area	1,049 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Shingle
Lot Area	26,572 sqft (0.61 acres)
Lot Dimensions	1,330 ft deep x 2,000 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	662 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	041N294550000000170
Street Address	4108 CHARLES CIR
City	PACE
State	FL
Zip	32571-8850
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1M
Legal Description	SALANA HEIGHTS LOTS 17 & 18 AS DES IN OR 1850 PG 242
Legal Range	29W
Legal Township	01N
Legal Section	04
Legal Subdivision	SALANA HEIGHTS
Legal Lot Number	17-18 18
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 January 28, 2026

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

Owner of Record	Company Name on Record
Mailing Address	4960 HIGHWAY 90, PACE, FL 32571-1413
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Warranty Deed, Subdivision Related Transfer · VA Mortgage TRIDENT HOME LOANS
Jan 14, 2026	Warranty Deed, Transfer GUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY
Dec 17, 2025	Warranty Deed, Transfer GUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY
Aug 10, 2017	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2026 · Amount on Record
Deed Sale	Jan 14, 2026 · Amount on Record
Prior Sale	Dec 17, 2025 · Amount on Record
Deed Document Number	202602035
Deed Book / Page	4698 / 1718
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 1, 2026
Property Address	4108 CHARLES CIR, MILTON, FL 32571-8850
Document Number	0000049422
Book / Page	4794 / 754
Instrument Date	Sep 30, 2026
Instrument	202649422
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2026
Title Company	GUARANTEE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187,284.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049423,
Date	Oct 1, 2026
Instrument	202649423

Lender

Name	TRIDENT HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 14, 2026
Property Address	4108 CHARLES CIR, PACE, FL 32571-8850
Document Number	0046981718
Book / Page	4698 / 1718
Map Reference	MB B PG 2
Instrument Date	Jan 13, 2026
Instrument	202602035
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	GUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$289.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4108 CHARLES CIR, PACE, FL 32571-8850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4960 HIGHWAY 90 # 121, PACE, FL 32571-1413

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 17, 2025
Property Address	4108 CHARLES CIR, PACE, FL 32571-8850
Document Number	0046900429
Book / Page	4690 / 429
Map Reference	MB B PG 2
Instrument Date	Dec 12, 2025
Instrument	202558896
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	GUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$917.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4108 CHARLES CIR, PACE, FL 32571-8850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4108 CHARLES CIR, PACE, FL 32571-8850

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4108 CHARLES CIR, PACE, FL 32571-8850
Document Number	0036550146
Book / Page	003655 / 000146
Instrument Date	Aug 10, 2017
Transaction Type	Mortgage
Record Updated	Sep 8, 2017
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4108 CHARLES CIR MILTON FL 325718850, MILTON, FL 32571-8850

Mortgage

Document Number	0036550146
Date	Aug 24, 2017
Book Page	003655/000146
Instrument	35002

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 23, 2032

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	$636.00 (+52.52%) Homeowner's exemption	$68,591 (+3%)	$140,828 (+1.02%) Land $36,000 Building $104,828
2023	$417.00 (+1.46%) Homeowner's exemption	$66,593 (+3%)	$139,402 (+14.29%) Land $36,000 Building $103,402
2022	$411.00 Homeowner's exemption	$64,653	$121,974 Land $22,500 Building $99,474

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 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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