4775 Spencer Oaks Blvd, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 4775 Spencer Oaks Blvd, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,815 sqft · built 2005
Owner	Individual Name on Record
Last Sale	$216,000 (Jan 2020)
Tax Bill	$3,017 (2024)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-1N-29-5242-00E00-0010`

Property Details

APN / Parcel Number

Primary APN	`10-1N-29-5242-00E00-0010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,815 sqft Heated Area
Gross Area	2,835 sqft
1st Floor Area	2,235 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Asphalt
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	355 sqft
Patio Area	245 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	101N29524200E000010
Street Address	4775 SPENCER OAKS BLVD
City	PACE
State	FL
Zip	32571-6244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SPENCER OAKS LANDING PHASE I LOT 1 BLK E AS DES IN OR 3912 PG 561
Legal Range	29W
Legal Township	01N
Legal Section	10
Legal Subdivision	SPENCER OAKS LND PH2
Legal Phase	1
Legal Block	E
Legal Lot Number	1
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2003
Census Tract	10708

Owner

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

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	C 4775 SPENCER OAKS BLVD # REBECCA, REBECCA, PACE, FL 32571
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2020	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Aug 12, 2019	Warranty Deed, Transfer · FHA Mortgage DIRECT LENDERS
Feb 28, 2017	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2020 · Amount on Record
Deed Sale	Jan 24, 2020 · Amount on Record
Prior Sale	Feb 28, 2017 · Amount on Record
Deed Document Number	202003704
Deed Book / Page	3912 / 561
Record Updated	Jun 8, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 24, 2020
Property Address	4775 SPENCER OAKS BLVD, PACE, FL 32571-6244
Document Number	0039120561
Book / Page	003912 / 000561
Instrument Date	Jan 21, 2020
Instrument	3704
Transaction Type	Transfer
Record Updated	Mar 13, 2020
Title Company	SECURITY LAND TITLE INC, SURETY LAND TITLE INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4775 SPENCER OAKS BLVD PACE FL 325716244, PACE, FL 32571-6244

Mortgage

Document Number	39120562
Date	Jan 24, 2020
Book Page	003912/000562
Instrument	3705

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 12, 2019
Property Address	4775 SPENCER OAKS BLVD, PACE, FL 32571-6244
Document Number	0038581892
Book / Page	003858 / 001892
Instrument Date	Aug 12, 2019
Instrument	35196
Transaction Type	Transfer
Record Updated	Oct 4, 2019
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,515.50

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4794 OSCAR LN PACE FL 325716262, PACE, FL 32571-6262

Mortgage

Document Number	38581895
Date	Aug 12, 2019
Book Page	003858/001895
Instrument	35197

Lender

Name	DIRECT LENDERS
Type	Funding / Finance Company
Address	KENNESAW, GA 30152

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2049

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 28, 2017
Property Address	4775 SPENCER OAKS BLVD, PACE, FL 32571-6244
Document Number	0036020443
Book / Page	003602 / 000443
Instrument Date	Feb 28, 2017
Instrument	7739
Transaction Type	Transfer
Record Updated	Mar 7, 2017
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,329.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4775 SPENCER OAKS BLVD PACE FL 325716244, PACE, FL 32571-6244

Mortgage

Document Number	36020445
Date	Feb 28, 2017
Book Page	003602/000445
Instrument	7740

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2047

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	$3,017.00 (-0.79%)	$241,247 (+0.7%) Land $38,000 Building $203,247	$241,247 (+0.7%) Land $38,000 Building $203,247
2023	$3,041.00 (+8.96%)	$239,581 (+9.96%) Land $38,000 Building $201,581	$239,581 (+9.96%) Land $38,000 Building $201,581
2022	$2,791.00	$217,879	$217,879 Land $27,000 Building $190,879

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 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% 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 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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