Santa Rosa County property record for 4431 Winners Gait Cir, Pace, FL 32571
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,961 sqft · built 2011 |
| Lot Size | 0.278 acres (12,110 sqft) |
| Owner | Individual on Record |
| Last Sale | $285,000 (Oct 2018) |
| Tax Bill | $3,272 (2024) |
| Deeds & Mortgages | May 2021 Line of Credit Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-2N-29-5781-00A00-0080 |
| Primary APN | 34-2N-29-5781-00A00-0080 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,961 sqft Heated Area |
| Gross Area | 4,386 sqft |
| 1st Floor Area | 3,381 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 12,110 sqft (0.278 acres) |
| Lot Dimensions | 1,380 ft deep x 880 ft wide |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 290 sqft |
| Patio Area | 407 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 342N29578100A000080 |
|---|---|
| Street Address | 4431 WINNERS GAIT CIR |
| City | PACE |
| State | FL |
| Zip | 32571-6377 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | WINNERS GAIT LOT 8 BLK A AS DES IN OR 3772 PG 1443 |
| Legal Range | 29W |
| Legal Township | 02N |
| Legal Section | 34 |
| Legal Subdivision | WINNER'S GAIT |
| Legal Block | A |
| Legal Lot Number | 8 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | PACE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 10301 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4431 WINNERS GAIT CIR, PACE, FL 32571-6377 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 10, 2021 | Deed of Trust, Mortgage · Line of Credit PEN AIR FEDERAL CU |
| Feb 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PEN AIR FEDERAL CU |
| Jan 11, 2023 | Deed of Trust, Mortgage · Line of Credit PEN AIR FCU |
| Oct 8, 2018 | Warranty Deed, Transfer · ARM PEN AIR FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2018 · Amount on Record |
| Deed Sale | Oct 8, 2018 · Amount on Record |
| Prior Sale | Dec 21, 2011 · Amount on Record |
| Deed Document Number | 201843360 |
| Deed Book / Page | 3772 / 1443 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4431 WINNERS GAIT CIR, PACE, FL 32571-6377 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4431 WINNERS GAIT CIR, PACE, FL 32571-6377 |
| Document Number | 0041151357 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 4115/1357 |
| Instrument | 202130793 |
| Name | PEN AIR FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32514 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 9, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4431 WINNERS GAIT CIR, PACE, FL 32571-6377 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | GULF COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 4431 WINNERS GAIT CIR, PACE, FL 32571-6377 |
| Document Number | 0040681960 |
|---|---|
| Date | Feb 9, 2021 |
| Book Page | 4068/1960 |
| Instrument | 202108406 |
| Name | PEN AIR FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32504 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4431 WINNERS GAIT CIR, PACE, FL 32571-6377 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4431 WINNERS GAIT CIR, MILTON, FL 32571-6377 |
| Document Number | 0043581387 |
|---|---|
| Date | Jan 11, 2023 |
| Book Page | 4358/1387 |
| Instrument | 202301244 |
| Name | PEN AIR FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32514 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 10, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 8, 2018 |
| Property Address | 4431 WINNERS GAIT CIR, PACE, FL 32571-6377 |
| Document Number | 0037721443 |
| Book / Page | 3772 / 1443 |
| Map Reference | MB11 PG16 |
| Instrument Date | Oct 5, 2018 |
| Instrument | 201843360 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,995.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13470 SPARREN AVE, 13470, SAN DIEGO, CA 92129-2169 |
| Name | Verified Name |
|---|---|
| Address | 4431 WINNERS GAIT CIR, MILTON, FL 32571-6377 |
| Document Number | 0201843361 |
|---|---|
| Date | Oct 8, 2018 |
| Instrument | 201843361 |
| Name | PEN AIR FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Nov 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.5% |
| Index | 1-Year LIBOR |
| Max Rate | 9.5% |
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 | $3,272.00 (+5.72%) Homeowner's exemption | $275,875 (+3%) | $377,263 (+4.1%) Land $48,000 Building $329,263 |
| 2023 | $3,095.00 (+12.38%) Homeowner's exemption | $267,840 (+11.67%) | $362,390 (+9.15%) Land $45,000 Building $317,390 |
| 2022 | $2,754.00 Homeowner's exemption | $239,860 | $332,015 Land $41,000 Building $291,015 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 39 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 4 (2014–2020) |
| Claims Outside the SFHA | 3 of 4 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 260 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · 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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