4535 S Spencer Field Rd, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 4535 S Spencer Field Rd, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,335 sqft · built 2001
Lot Size	1.08 acres (47,219 sqft)
Owner	2 Owner Names on File
Last Sale	$281,000 (Apr 2007)
Tax Bill	$406 (2024)
Deeds & Mortgages	May 2022 Line of Credit May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-1N-29-0000-00105-0000`

Property Details

APN / Parcel Number

Primary APN	`10-1N-29-0000-00105-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,335 sqft Heated Area
Gross Area	4,428 sqft
1st Floor Area	3,000 sqft
Upper Floors Area	768 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Exterior Material	Brick
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	47,219 sqft (1.08 acres)
Lot Dimensions	3,150 ft deep x 1,500 ft wide
Garage Area	665 sqft
Parking Spaces	2 Parking Spaces
RV Parking	RV Parking

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	660 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	101N290000001050000
Street Address	4535 S SPENCER FIELD RD
City	PACE
State	FL
Zip	32571-6211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	COM NW COR OF NE4 OF NE4 THN S 233'02W 25 FT THN S8722'18 E 400 FT TO POB THN N2*33'02E 16 FT TO S R/W OF S SPENCER FIELD
Legal Range	29W
Legal Township	01N
Legal Section	10
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2000
Census Tract	10708

Owner

The current owner of 4535 S Spencer Field Rd bought it in April 2007.

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

Owner of Record	2 Owner Names on File
Mailing Address	4535 S SPENCER FIELD RD, PACE, FL 32571-6211
Occupancy	Owner Occupied

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
May 24, 2022	Deed of Trust, Mortgage · Line of Credit PEN AIR FEDERAL CU
May 22, 2018	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
May 28, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2007 · Amount on File
Deed Sale	Apr 20, 2007 · Amount on File
Prior Sale	Feb 3, 2006 · Amount on File
Deed Document Number	200718454
Deed Book / Page	2722 / 0591
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4535 S SPENCER FIELD RD, PACE, FL 32571-6211
Transaction Type	Mortgage
Record Updated	Jul 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4535 S SPENCER FIELD RD, PACE, FL 32571-6211

Mortgage

Document Number	0042871026
Date	May 24, 2022
Book Page	4287/1026
Instrument	202231417

Lender

Name	PEN AIR FEDERAL CU
Type	Credit Union
Address	PENSACOLA, FL 32514

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 23, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4535 S SPENCER FIELD RD, PACE, FL 32571-6211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037300430
Date	May 22, 2018
Book Page	3730/0430
Instrument	201820967

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4535 S SPENCER FIELD RD, PACE, FL 32571-6211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039551677
Date	May 28, 2020
Book Page	3955/1677
Instrument	202025268

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	338 Months
Due	Jul 1, 2048

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	$406.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$206,984 (+3%)	$307,247 (+2.77%) Land $30,000 Building $277,247
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$200,955	$298,966 Land $25,000 Building $273,966

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

Flood

FEMA maps place 4535 S Spencer Field Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.

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 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

Wildfire risk around 4535 S Spencer Field Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% 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 85 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
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Spencer Field Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures