4540 Carmel Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 4540 Carmel Cir, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,832 sqft · built 2005
Lot Size	0.214 acres (9,322 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Sep 2021)
Tax Bill	$3,006 (2024)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-1N-29-5431-00C00-0010`

Property Details

APN / Parcel Number

Primary APN	`09-1N-29-5431-00C00-0010`
Alternative APN	`N29109543100C000010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,832 sqft Living Area
Gross Area	2,778 sqft
1st Floor Area	1,832 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	9,322 sqft (0.214 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	30 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4540 CARMEL CIR
City	PACE
State	FL
Zip	32571-1164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	TIBURON WEST LOT 1 BLK C AS DES IN OR 4180 PG 434
Legal Range	29W
Legal Township	1N
Legal Section	09
Legal Subdivision	TIBURON WEST
Legal Block	C
Legal Lot Number	1
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	3
Census Block	3007
Census Tract	10708

Owner

Source: Santa Rosa County records, as of December 8, 2025

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 Record	2 Individual Names on File
Mailing Address	9130 DAYTONA DR, PENSACOLA, FL 32506-2903
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC
Jun 14, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2021 · Amount on File
Deed Sale	Sep 20, 2021 · Amount on File
Prior Sale	Jun 14, 2018 · Amount on File
Deed Document Number	202162613
Deed Book / Page	4180 / 434
Prior Transfer Date	Jun 8, 2018
Prior Transfer Doc	0037371681
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 20, 2021
Property Address	4540 CARMEL CIR, PACE, FL 32571-1164
Document Number	0041800434
Book / Page	4180 / 434
Map Reference	MB 9 PG 94
Instrument Date	Sep 16, 2021
Instrument	202162613
Transaction Type	Transfer
Record Updated	Oct 15, 2021
Title Company	GUARANTEE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5568 WOODBINE RD, 5568, PACE, FL 32571-8766

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9130 DAYTONA DR, PENSACOLA, FL 32506-2903

Mortgage

Document Number	0041800436
Date	Sep 20, 2021
Book Page	4180/436
Instrument	202162614

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 14, 2018
Property Address	4540 CARMEL CIR, PACE, FL 32571-1164
Document Number	0037371681
Book / Page	003737 / 001681
Instrument Date	Jun 8, 2018
Instrument	24846
Transaction Type	Transfer
Record Updated	Sep 5, 2018
Title Company	NAVY FEDERAL TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$384.46
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4540 CARMEL CIR PACE FL 325711164, PACE, FL 32571-1164

Mortgage

Document Number	37371683
Date	Jun 14, 2018
Book Page	003737/001683
Instrument	24847

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 13, 2048

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		$241,300 (-0.86%) Land $37,000 Building $204,300	$241,300 (-0.86%) Land $37,000 Building $204,300
2024	$3,006.00 (+3.09%)	$243,405 (+9.28%) Land $33,000 Building $210,405	$243,405 (+9.28%) Land $33,000 Building $210,405
2023	$2,916.00 (-0.17%)	$222,735 (+0.71%) Land $33,000 Building $189,735	$222,735 (+0.71%) Land $33,000 Building $189,735
2022	$2,921.00	$221,158	$221,158 Land $33,000 Building $188,158

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 File median of 26 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	18 (1993–2020)
Claims Outside the SFHA	18 of 18
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 7 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 Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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 293 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 · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Cox Communications.

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