4565 Carmel Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 4565 Carmel Cir, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,261 sqft · built 2006
Lot Size	0.288 acres (12,545 sqft)
Owner	2 Company Names on File
Last Sale	$222,900 (Mar 2006)
Tax Bill	$1,902 (2024)
Deeds & Mortgages	Jun 2022 Transfer Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-1N-29-5431-00A00-0050`

Property Details

APN / Parcel Number

Primary APN	`09-1N-29-5431-00A00-0050`
Alternative APN	`N29109543100A000050`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,261 sqft Living Area
Gross Area	2,986 sqft
1st Floor Area	2,261 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	12,545 sqft (0.288 acres)
Lot Dimensions	148 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	411 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	314 sqft
Gazebo	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4565 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 5 BLK A AS DES IN OR 2571 PG 382 & AS DES IN OR 4301 PG 807
Legal Range	29W
Legal Township	1N
Legal Section	09
Legal Subdivision	TIBURON WEST
Legal Block	A
Legal Lot Number	5
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	3
Census Block	3001
Census Tract	10708

Owner

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

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

Owner of Record	2 Company Names on File
Mailing Address	4565 CARMEL CIR, MILTON, FL 32571-1164
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Intrafamily Transfer, Transfer ATTORNEY
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEN AIR FEDERAL CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 1, 2006 · Amount on Record
Deed Sale	Mar 1, 2006 · Amount on Record
Deed Document Number	200611603
Deed Book / Page	2571 / 382
Last Transfer Date	Jun 27, 2022
Transfer Doc	0043010807
Record Updated	Jun 8, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 30, 2022
Property Address	4565 CARMEL CIR, PACE, FL 32571-1164
Document Number	0043010807
Book / Page	4301 / 807
Map Reference	MB 9 PG 94
Instrument Date	Jun 27, 2022
Instrument	202239135
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4565 CANNEL CIRCLE, 4565, PACE, FL 32571

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4565 CARMEL CIR, PACE, FL 32571-1164

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4565 CARMEL CIR, PACE, FL 32571-1164
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SURETY LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039580630
Date	Jun 3, 2020
Book Page	3958/630
Instrument	202026406

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Max Rate	8.75%

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		$182,175 (+2.9%)	$282,195 (+2.61%) Land $37,000 Building $245,195
2024	$1,902.00 (+9.82%) Homeowner's exemption	$177,041 (+3%)	$275,014 (+9.01%) Land $33,000 Building $242,014
2023	$1,732.00 (+2.91%) Homeowner's exemption	$171,884 (+3%)	$252,289 (-0.19%) Land $33,000 Building $219,289
2022	$1,683.00 Homeowner's exemption	$166,878	$252,764 Land $33,000 Building $219,764

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 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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