4245 S Spencer Field Rd, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 4245 S Spencer Field Rd, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,056 sqft · built 2002
Lot Size	1.05 acres (45,999 sqft)
Owner	Company Name on File
Last Sale	$350,000 (Apr 2022)
Tax Bill	$3,469 (2024)
Deeds & Mortgages	Apr 2022 Sale Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-1N-29-0000-01244-0000`

Property Details

APN / Parcel Number

Primary APN	`10-1N-29-0000-01244-0000`
Alternative APN	`N291100000012440000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	2,056 sqft Living Area
Gross Area	3,632 sqft
1st Floor Area	2,056 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	45,999 sqft (1.05 acres)
Lot Dimensions	400 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	780 sqft
Parking Spaces	5 Parking Spaces
Porch	Screened Porch
Porch Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4245 S SPENCER FIELD RD
City	PACE
State	FL
Zip	32571-9036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	DESCRIPTION UPDATE FOR 2022 COM AT NW COR OF SEC 10 T1N R29W THN S8958'59E ALONG N SEC LN 518 FT TO POB THN CONT S8958'59E 114.71 FT THN S0000'59W 400 FT THN N8958'59W 115 FT THN N00*03'29E 400 FT TO POB AS DES IN OR 4269 PG 409
Legal Range	29W
Legal Township	1N
Legal Section	10
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	4
Census Block	4005
Census Tract	10708

Owner

4245 S Spencer Field Rd is owned by a company that bought it in April 2022.

Source: Santa Rosa County records, as of April 14, 2026

Owner of Record	Company Name on File
Mailing Address	5557 OAKMONT DR, MILTON, FL 32571-8414
Owner Type	Company
Vesting	Limited Liability Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2022	Warranty Deed, Transfer CLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL
Apr 4, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 12, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE TRUST INC
Aug 16, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2022 · Amount on File
Deed Sale	Apr 8, 2022 · Amount on File
Prior Sale	Nov 12, 2019 · Amount on File
Deed Document Number	202221208
Deed Book / Page	4269 / 409
Prior Transfer Date	Jun 12, 2018
Prior Transfer Doc	0037571840
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 8, 2022
Property Address	4245 S SPENCER FIELD RD, PACE, FL 32571-9036
Document Number	0042690409
Book / Page	4269 / 409
Instrument Date	Apr 8, 2022
Instrument	202221208
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	CLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL

Transaction

Amount	Amount on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4567 PACE PATRIOT BLVD, 4567, PACE, FL 32571-1135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5557 OAKRNONT DRIVE, PACE, FL 32571

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4245 S SPENCER FIELD RD, PACE, FL 32571-9036
Transaction Type	Mortgage
Record Updated	May 25, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4245 S SPENCER FIELD RD, PACE, FL 32571-9036

Mortgage

Document Number	0040971242
Date	Apr 4, 2021
Book Page	4097/1242
Instrument	202121731

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 12, 2019
Property Address	4245 S SPENCER FIELD RD, PACE, FL 32571-9036
Document Number	0038890463
Book / Page	3889 / 0463
Instrument Date	Nov 8, 2019
Instrument	201950923
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	GUARANTEE TTL OF NORTHWEST F

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4245 S SPENCER FIELD RD, 4245, MILTON, FL 32571-9036

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4245 S SPENCER FIELD RD, PACE, FL 32571-9036

Mortgage

Document Number	0038890465
Date	Nov 12, 2019
Instrument	3889/0465

Lender

Name	MORTGAGE TRUST INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 16, 2018
Property Address	4245 S SPENCER FIELD RD, PACE, FL 32571-9036
Document Number	0037571840
Book / Page	003757 / 001840
Instrument Date	Jun 12, 2018
Instrument	35273
Transaction Type	Transfer
Record Updated	Oct 10, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4245 S SPENCER FIELD RD PACE FL 325719036, PACE, FL 32571-9036

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025		$286,383 (+6.22%) Land $52,000 Building $234,383	$286,383 (+6.22%) Land $52,000 Building $234,383
2024	$3,469.00 (+1.43%)	$269,614 (+3.2%) Land $39,000 Building $230,614	$269,614 (+3.2%) Land $39,000 Building $230,614
2023	$3,420.00 (+59.81%) Homeowner's exemption	$261,251 (+29.67%) Land $32,500 Building $228,751	$261,251 (+3.73%) Land $32,500 Building $228,751
2022	$2,140.00 Homeowner's exemption	$201,475	$251,846 Land $23,400 Building $228,446

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4245 S Spencer Field Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2017.

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 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

Wildfire risk around 4245 S Spencer Field Rd is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% 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 279 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

May also be available: AT&T, Hotwire Communications.

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