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4324 Jernigan Rd, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 4324 Jernigan Rd, Pace, FL 32571

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,180 sqft · built 1975
Lot Size0.331 acres (14,418 sqft)
Owner2 Individual Names on Record
Last Sale$205,000 (Feb 2025)
Tax Bill$713 (2025)
Deeds & MortgagesNov 2020 Mortgage
Sep 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15-1N-29-5700-00000-0160

Property Details

APN / Parcel Number

Primary APN15-1N-29-5700-00000-0160
Alternative APN
  • N291155700000000160

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,180 sqft Living Area
Gross Area1,909 sqft
1st Floor Area1,180 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1975
Exterior MaterialBrick
Construction TypeWood
Foundation TypeMasonry
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area14,418 sqft (0.331 acres)
Lot Dimensions140 ft deep x 103 ft wide
Garage TypeAttached
Garage Area273 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchPatio
Porch Area176 sqft
Patio Area64 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address4324 JERNIGAN RD
CityPACE
StateFL
Zip32571-2210
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionWELLINGTON FOREST UNIT ONE LOT 16 AS DES IN OR 4587 PG 1543
Legal Range29W
Legal Township1N
Legal Section15
Legal SubdivisionWELLINGTON FOREST #1
Legal Lot Number16
JurisdictionSANTA ROSA FL
Township / Civil DivisionPACE
Census Block Group1
Census Block1005
Census Tract10705

Owner

Source: Santa Rosa County records, as of April 28, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address4324 JERNIGAN RD, MILTON, FL 32571-2210
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Nov 5, 2020Deed of Trust, Mortgage · VA Mortgage
CALCULATED RISK ANALYTICS LLC
Sep 26, 2017Warranty Deed, Transfer · Conventional Mortgage
JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 19, 2025 · Amount on Record
Deed SaleFeb 19, 2025 · Amount on Record
Prior SaleSep 26, 2017 · Amount on Record
Deed Document Number20256922
Deed Book / Page4587 / 1543
Record UpdatedOct 29, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address4324 JERNIGAN RD, PACE, FL 32571-2210
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyPGP TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address4324 JERNIGAN RD, PACE, FL 32571-2210

Mortgage

Document Number0040250754
DateNov 5, 2020
Book Page4025/754
Instrument202058588
Lender
NameCALCULATED RISK ANALYTICS LLC
TypeNon-Lending Institution
AddressNEWPORT BEACH, CA 92660
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term359 Months
DueOct 1, 2050

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 26, 2017
Property Address4324 JERNIGAN RD, PACE, FL 32571-2210
Document Number0036640665
Book / Page3664 / 0665
Map ReferenceMB C PG39
Instrument DateSep 25, 2017
Instrument201739952
Transaction TypeTransfer
Record UpdatedDec 14, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$735.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address174 MIZE CEMETERY RD, 174, SOMERSET, KY 42503-5342

Transferred To (Grantee/Buyer)

NameVerified Name
Address4324 JERNIGAN RD, MILTON, FL 32571-2210

Mortgage

Document Number0201739953
DateSep 26, 2017
Instrument201739953
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$713.00 (+3.63%)$89,584 (+2.9%)$150,372 (+3.19%) Land $25,000 Building $125,372
2024$688.00 (+31.8%) Homeowner's exemption Disabled Person's exemption$87,059 (+3%)$145,730 (+1.16%) Land $25,000 Building $120,730
2023$522.00 (+5.24%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$84,523 (+3%)$144,065 (+10.51%) Land $25,000 Building $119,065
2022$496.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$82,060$130,358 Land $18,000 Building $112,358

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies11 in force
Nearby Flood Claims9 (1995–2020)
Claims Outside the SFHA9 of 9
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 claims
  • Hurricane Frances, Sep 2004 · 2 claims
  • Hurricane Opal, Oct 1995 · 3 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 RiskModerate
above 44% of the US · lower than 85% of Florida
Wildfire Likelihood0.09% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemPACE WATER SYSTEM, INC.
private · serves 49,328 people · EPA ID FL1570671
Water SourceGroundwater
Last State InspectionJun 2024
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 187 locations within half a mile, as of December 31, 2025

ProviderMax 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

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