4450 Oak Orchard Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 4450 Oak Orchard Cir, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,490 sqft · built 2017
Lot Size	0.219 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$259,900 (Nov 2017)
Tax Bill	$2,813 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-1N-29-1727-00B00-0140`

Property Details

APN / Parcel Number

Primary APN	`10-1N-29-1727-00B00-0140`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,490 sqft Heated Area
Gross Area	3,157 sqft
1st Floor Area	2,973 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	1,200 ft deep x 800 ft wide
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	101N29172700B000140
Street Address	4450 OAK ORCHARD CIR
City	PACE
State	FL
Zip	32571-1265
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HERITAGE ESTATES LOT 14 BLK B AS DES IN OR 3678 PG 882
Legal Range	29W
Legal Township	01N
Legal Section	10
Legal Subdivision	HERITAGE ESTATES
Legal Block	B
Legal Lot Number	14
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2004
Census Tract	10708

Owner

Source: Santa Rosa County records, as of October 27, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	4450 OAK ORCHARD CIR, PACE, FL 32571-1265
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 14, 2017	Grant Deed, Subdivision Related Transfer · VA Mortgage UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2017 · Amount on Record
Deed Sale	Nov 14, 2017 · Amount on Record
Deed Document Number	201747369
Deed Book / Page	3678 / 0882
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4450 OAK ORCHARD CIR, PACE, FL 32571-1265
Transaction Type	Mortgage
Record Updated	Feb 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4450 OAK ORCHARD CIR, PACE, FL 32571-1265

Mortgage

Document Number	0042230940
Date	Dec 20, 2021
Book Page	4223/940
Instrument	202184123

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

November 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 14, 2017
Property Address	4450 OAK ORCHARD CIR, PACE, FL 32571-1265
Document Number	0036780882
Book / Page	003678 / 000882
Instrument Date	Nov 13, 2017
Instrument	47369
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 5, 2017
Title Company	DHI TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,819.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4450 OAK ORCHARD CIR PACE FL 325711265, PACE, FL 32571-1265

Mortgage

Document Number	36780884
Date	Nov 14, 2017
Book Page	003678/000884
Instrument	47370

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2047

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	$2,813.00 (+3.19%) Homeowner's exemption	$255,274 (+3%)	$315,734 (-2.38%) Land $45,000 Building $270,734
2023	$2,726.00 (+2.6%) Homeowner's exemption	$247,839 (+3%)	$323,428 (+4.91%) Land $55,000 Building $268,428
2022	$2,657.00 Homeowner's exemption	$240,620	$308,294 Land $40,000 Building $268,294

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 22 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	3 (2004–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2020 · Hurricane Sally

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	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% 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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

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

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