4772 Spencer Oaks Blvd, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 4772 Spencer Oaks Blvd, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,783 sqft · built 2005
Lot Size	0.248 acres (10,803 sqft)
Owner	Individual Name on File
Last Sale	$154,600 (Dec 2025)
Tax Bill	$1,803 (2024)
Deeds & Mortgages	Dec 2025 Transfer May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-1N-29-5242-00A00-0120`

Property Details

APN / Parcel Number

Primary APN	`10-1N-29-5242-00A00-0120`
Alternative APN	`N29110524200A000120`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,783 sqft Living Area
Gross Area	2,391 sqft
1st Floor Area	1,783 sqft
Flooring	Tile
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	Asphalt
Lot Area	10,803 sqft (0.248 acres)
Lot Dimensions	132 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	68 sqft
Patio Area	120 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	4772 SPENCER OAKS BLVD
City	MILTON
State	FL
Zip	32571-6243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LIFE ESTATE RESERVED IN: LOT 12 BLK A SPENCER OAKS LANDING PHASE I AS DES IN 3855 PG 422 & L/E RES IN OR 4584 PG 1000
Legal Range	29W
Legal Township	1N
Legal Section	10
Legal Subdivision	SPENCER OAKS LND PH2
Legal Block	A
Legal Lot Number	12
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2000
Census Tract	10708

Owner

4772 Spencer Oaks Blvd is owned and occupied by an individual who bought it in December 2025.

Source: Santa Rosa County records, as of December 29, 2025

Owner of Record	Individual Name on File
Mailing Address	4772 SPENCER OAKS BLVD, PACE, FL 32571-6243
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

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
Dec 5, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK
Jul 31, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Apr 16, 2018	Warranty Deed, Transfer · Conventional Mortgage CHAMPION CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2025 · Amount on File
Deed Sale	Dec 5, 2025 · Amount on File
Prior Sale	Jul 31, 2019 · Amount on File
Deed Document Number	202556922
Deed Book / Page	4686 / 495
Prior Transfer Date	Nov 5, 2025
Prior Transfer Doc	0046860495
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 5, 2025
Property Address	4772 SPENCER OAKS BLVD, PACE, FL 32571-6243
Document Number	0046860495
Book / Page	4686 / 495
Map Reference	MB G PG 82
Instrument Date	Nov 5, 2025
Instrument	202556922
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4772 SPENCER OAKS BLVD, PACE, FL 32571-6243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4772 SPENCER OAKS BLVD, PACE, FL 32571-6243

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4772 SPENCER OAKS BLVD, PACE, FL 32571-6243
Transaction Type	Mortgage
Record Updated	Jul 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4772 SPENCER OAKS BLVD, PACE, FL 32571-6243

Mortgage

Document Number	0042831726
Date	May 13, 2022
Book Page	4283/1726
Instrument	202229328

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 6, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 31, 2019
Property Address	4772 SPENCER OAKS BLVD, PACE, FL 32571-6243
Document Number	0038550422
Book / Page	3855 / 0422
Map Reference	MB G PG 82
Instrument Date	Jul 19, 2019
Instrument	201933251
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	351 ALFORD RD, 351, COTTONDALE, FL 32431-9207

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4772 SPENCER OAKS BLVD, PACE, FL 32571-6243

Mortgage

Document Number	0003855423
Date	Jul 31, 2019
Instrument	3855/423

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 16, 2018
Property Address	4772 SPENCER OAKS BLVD, PACE, FL 32571-6243
Document Number	0037181574
Book / Page	3718 / 1574
Map Reference	MB G PG82
Instrument Date	Apr 13, 2018
Instrument	201814760
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	511 RIVERVIEW LN, 511, CANTON, GA 30114-6242

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4772 SPENCER OAKS BLVD, MILTON, FL 32571-6243

Mortgage

Document Number	0201814761
Date	Apr 16, 2018
Instrument	201814761

Lender

Name	CHAMPION CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 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		$181,291 (+2.9%)	$235,527 (+2.29%) Land $40,000 Building $195,527
2024	$1,803.00 (+4.76%) Homeowner's exemption	$176,182 (+3%)	$230,243 (+0.72%) Land $38,000 Building $192,243
2023	$1,721.00 (+2.93%) Homeowner's exemption	$171,050 (+3%)	$228,593 (+10.43%) Land $38,000 Building $190,593
2022	$1,672.00 Homeowner's exemption	$166,068	$207,003 Land $27,000 Building $180,003

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

Flood

FEMA maps place 4772 Spencer Oaks Blvd 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 4772 Spencer Oaks Blvd is moderate, ranking above 44% of the US, with a 0.07% annual chance of 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	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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