4806 Oscar Ln, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 4806 Oscar Ln, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,281 sqft · built 2003
Lot Size	0.267 acres (11,631 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,000 (Sep 2026)
Tax Bill	$2,882 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-1N-29-5242-00E00-0090`

Property Details

APN / Parcel Number

Primary APN	`10-1N-29-5242-00E00-0090`
Alternative APN	`N29110524200E000090`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,281 sqft Living Area
Gross Area	2,986 sqft
1st Floor Area	2,281 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	11,631 sqft (0.267 acres)
Lot Dimensions	137 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	124 sqft
Patio Area	140 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	4806 OSCAR LN
City	MILTON
State	FL
Zip	32571-6260
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SPENCER OAKS LANDING PHASE 3 LOT 9 BLK E AS DES IN OR 4393 PG 697
Legal Range	29W
Legal Township	1N
Legal Section	10
Legal Subdivision	SPENCER OAKS LND PH2
Legal Block	E
Legal Lot Number	9
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 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	204 WILSON DR, CHESAPEAKE, VA 23322-5222
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Warranty Deed, Transfer · VA Mortgage ARCHER MORTGAGE LENDING
May 9, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2026 · Amount on Record
Deed Sale	Sep 10, 2026 · Amount on Record
Prior Sale	May 9, 2023 · Amount on Record
Deed Document Number	202645777
Deed Book / Page	4787 / 851
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 10, 2026
Property Address	4806 OSCAR LN, MILTON, FL 32571-6260
Document Number	0000045777
Book / Page	4787 / 851
Instrument Date	Sep 4, 2026
Instrument	202645777
Transaction Type	Transfer
Record Updated	Oct 5, 2026
Title Company	PURE TITLE LLC, PURE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$286,335.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 WILSON DR, CHESAPEAKE, VA 23322-5222

Mortgage

Document Number	0000045778,
Date	Sep 10, 2026
Instrument	202645778

Lender

Name	ARCHER MORTGAGE LENDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 9, 2023
Property Address	4806 OSCAR LN, PACE, FL 32571-6260
Document Number	0043930697
Book / Page	4393 / 697
Map Reference	MB H PG 16
Instrument Date	May 8, 2023
Instrument	202320295
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	PURE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1021 PARK AVE, PACE, FL 32571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4806 OSCAR LN, PACE, FL 32571-6260

Mortgage

Document Number	0004393700
Date	May 9, 2023
Instrument	4393/700

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

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	$2,882.00 (+3.08%)	$269,806 (+2.9%)	$280,178 (+6.86%) Land $40,000 Building $240,178
2024	$2,796.00 (+73.13%) Homeowner's exemption Disabled Person's exemption	$262,202 (+56.09%) Land $38,000 Building $224,202	$262,202 (+2.44%) Land $38,000 Building $224,202
2023	$1,615.00 (-0.68%) Homeowner's exemption Widower's exemption	$167,978 (+3%)	$255,954 (+8.62%) Land $38,000 Building $217,954
2022	$1,626.00 Homeowner's exemption Widower's exemption	$163,085	$235,644 Land $27,000 Building $208,644

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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