4592 Old Guernsey Rd, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 4592 Old Guernsey Rd, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,274 sqft · built 1982
Lot Size	0.273 acres (11,892 sqft)
Owner	Individual Name on Record
Last Sale	$216,000 (Oct 2021)
Tax Bill	$1,413 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-1N-29-3375-00000-0050`

Property Details

APN / Parcel Number

Primary APN	`08-1N-29-3375-00000-0050`
Alternative APN	`N291083375000000050`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,274 sqft Living Area
Gross Area	1,490 sqft
1st Floor Area	1,274 sqft
Utility Area	114 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	11,892 sqft (0.273 acres)
Lot Dimensions	140 ft deep x 85 ft wide

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	102 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4592 OLD GUERNSEY RD
City	PACE
State	FL
Zip	32571-8615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RAMBLING OAKS LOT 5 AS DES IN OR 4192 PG 1934
Legal Range	29W
Legal Township	1N
Legal Section	08
Legal Subdivision	RAMBLING OAKS
Legal Lot Number	5
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	1
Census Block	1006
Census Tract	10708

Owner

Source: Santa Rosa County records, as of April 9, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	4592 OLD GUERNSEY RD, MILTON, FL 32571-8615
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Aug 1, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 13, 2021	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2021 · Amount on Record
Deed Sale	Oct 13, 2021 · Amount on Record
Prior Sale	Sep 27, 2013 · Amount on Record
Deed Document Number	202168710
Deed Book / Page	4192 / 1934
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4592 OLD GUERNSEY RD, PACE, FL 32571-8615
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4592 OLD GUERNSEY RD, MILTON, FL 32571-8615

Mortgage

Document Number	0047200203
Date	Mar 16, 2026
Book Page	4720/203
Instrument	202612885

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.51%
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	3.51%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	5.51%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4592 OLD GUERNSEY RD, PACE, FL 32571-8615
Transaction Type	Mortgage
Record Updated	Aug 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4592 OLD GUERNSEY RD, PACE, FL 32571-8615

Mortgage

Document Number	0044201251
Date	Aug 1, 2023
Book Page	4420/1251
Instrument	202334554

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Nov 1, 2051

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 13, 2021
Property Address	4592 OLD GUERNSEY RD, PACE, FL 32571-8615
Document Number	0041921934
Book / Page	4192 / 1934
Map Reference	MB C PG 127
Instrument Date	Oct 8, 2021
Instrument	202168710
Transaction Type	Transfer
Record Updated	Nov 8, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,512.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5022 SAN MIGUEL ST, 5022, MILTON, FL 32583-5640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4592 OLD GUERNSEY RD, PACE, FL 32571-8615

Mortgage

Document Number	41921936
Date	Oct 13, 2021
Instrument	4192/1936

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Mortgage

Document Number	0041921947
Date	Oct 13, 2021
Book Page	4192/1947
Instrument	202168712

Lender

Name	NATIONAL HOMEBUYERS FUND INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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		$153,526 (+2.9%)	$158,649 (+3.76%) Land $23,000 Building $135,649
2024	$1,413.00 (+2.54%) Homeowner's exemption	$149,199 (+3%)	$152,906 (-1.55%) Land $20,000 Building $132,906
2023	$1,378.00 (+3.14%) Homeowner's exemption	$144,853 (+3%)	$155,314 (+10.44%) Land $24,000 Building $131,314
2022	$1,336.00 Homeowner's exemption	$140,634	$140,634 Land $16,000 Building $124,634

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 17 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	13 (1995–2020)
Claims Outside the SFHA	12 of 13
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 4 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 3 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	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% 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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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