Santa Rosa County property record for 4231 N Cambridge Way, Pace, FL 32571
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,349 sqft · built 1997 |
| Lot Size | 0.332 acres (14,462 sqft) |
| Owner | Individual Name on File |
| Last Sale | $359,900 (Apr 2022) |
| Tax Bill | $3,828 (2024) |
| Deeds & Mortgages | Jan 2023 Line of Credit Apr 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-2N-29-1651-00G00-0080 |
| Primary APN | 27-2N-29-1651-00G00-0080 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,349 sqft Heated Area |
| Gross Area | 3,227 sqft |
| 1st Floor Area | 2,802 sqft |
| Flooring | Carpet |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 14,462 sqft (0.332 acres) |
| Lot Dimensions | 1,420 ft deep x 1,020 ft wide |
| Garage Area | 453 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 425 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 272N29165100G000080 |
|---|---|
| Street Address | 4231 N CAMBRIDGE WAY |
| City | PACE |
| State | FL |
| Zip | 32571-7373 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HAMMERSMITH LOT 8 BLK G AS DES IN OR 4266 PG 1760 |
| Legal Range | 29W |
| Legal Township | 02N |
| Legal Section | 27 |
| Legal Subdivision | HAMMERSMITH |
| Legal Block | G |
| Legal Lot Number | 8 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | PACE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 10303 |
4231 N Cambridge Way is owned and occupied by an individual who bought it in April 2022.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4231 N CAMBRIDGE WAY, PACE, FL 32571-7373 |
| 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 |
|---|---|
| Jan 13, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Apr 4, 2022 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Feb 8, 2021 | Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 4, 2022 · Amount on File |
| Deed Sale | Apr 4, 2022 · Amount on File |
| Prior Sale | Feb 8, 2021 · Amount on File |
| Deed Document Number | 202220017 |
| Deed Book / Page | 4266 / 1760 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4231 N CAMBRIDGE WAY, PACE, FL 32571-7373 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4231 N CAMBRIDGE WAY, PACE, FL 32571-7373 |
| Document Number | 0043590798 |
|---|---|
| Date | Jan 13, 2023 |
| Book Page | 4359/798 |
| Instrument | 202301687 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Feb 1, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 4, 2022 |
| Property Address | 4231 N CAMBRIDGE WAY, PACE, FL 32571-7373 |
| Document Number | 0042661760 |
| Book / Page | 4266 / 1760 |
| Map Reference | MB G PG 5 |
| Instrument Date | Mar 25, 2022 |
| Instrument | 202220017 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2022 |
| Title Company | NOT AVAILABLE, CERTIFIED TITLE CORPORATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,519.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4231 N CAMBRIDGE WAY, 4231, PACE, FL 32571-7373 |
| Name | Verified Name |
|---|---|
| Address | 4231 N CAMBRIDGE WAY, PACE, FL 32571-7373 |
| Document Number | 0042661763 |
|---|---|
| Date | Apr 4, 2022 |
| Instrument | 4266/1763 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Feb 8, 2021 |
| Property Address | 4231 N CAMBRIDGE WAY, PACE, FL 32571-7373 |
| Document Number | 0040671651 |
| Book / Page | 4067 / 1651 |
| Map Reference | MB G PG 5 |
| Instrument Date | Feb 3, 2021 |
| Instrument | 202107845 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | EMERALD COAST TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,945.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3250 VICTORY DRIVE, 3250, PACE, FL 32571 |
| Name | Verified Name |
|---|---|
| Address | 401 ZELKOVA RD, WILLIAMSBURG, VA 23185-4364 |
| Document Number | 0040671654 |
|---|---|
| Date | Feb 8, 2021 |
| Instrument | 4067/1654 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
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 | $3,828.00 (+2.82%) Homeowner's exemption | $343,724 (+6.1%) Land $53,000 Building $290,724 | $343,724 (+6.1%) Land $53,000 Building $290,724 |
| 2023 | $3,723.00 (-8.5%) | $323,973 (+5.19%) Land $53,000 Building $270,973 | $323,973 (+5.19%) Land $53,000 Building $270,973 |
| 2022 | $4,069.00 | $308,003 | $308,003 Land $49,000 Building $259,003 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4231 N Cambridge Way 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 4231 N Cambridge Way is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 163 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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