4978 Covenant Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 4978 Covenant Cir, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,590 sqft · built 2018
Lot Size	0.166 acres (7,231 sqft)
Owner	Individual Name on Record
Last Sale	$174,100 (May 2018)
Tax Bill	$1,776 (2024)
Deeds & Mortgages	Apr 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-1N-29-0747-00D00-0140`

Property Details

APN / Parcel Number

Primary APN	`27-1N-29-0747-00D00-0140`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,590 sqft Heated Area
Gross Area	2,146 sqft
1st Floor Area	2,031 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	7,231 sqft (0.166 acres)
Lot Dimensions	1,450 ft deep x 500 ft wide
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	115 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	271N29074700D000140
Street Address	4978 COVENANT CIR
City	PACE
State	FL
Zip	32571-2544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	COVINGTON WOODS LOT 14 BLK D AS DES IN OR 3727 PG 1183
Legal Range	29W
Legal Township	01N
Legal Section	27
Legal Subdivision	COVINGTON WOODS
Legal Block	D
Legal Lot Number	14
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	4
Census Block	4006
Census Tract	10704

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	201 PARK BLVD APT 210, 210, SAN DIEGO, CA 92101-8058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
May 15, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2018 · Amount on Record
Deed Sale	May 15, 2018 · Amount on Record
Deed Document Number	0037271183
Deed Book / Page	3727 / 1183
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4978 COVENANT CIR, PACE, FL 32571-2544
Transaction Type	Mortgage
Record Updated	May 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041011547
Date	Apr 12, 2021
Book Page	4101/1547
Instrument	202123766

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 15, 2018
Property Address	4978 COVENANT CIR, PACE, FL 32571-2544
Document Number	0037271183
Book / Page	003727 / 001183
Instrument Date	May 15, 2018
Instrument	19388
Transaction Type	Transfer
Record Updated	Jul 5, 2018
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,218.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4978 COVENANT CIR PACE FL 325712544, PACE, FL 32571-2544

Mortgage

Document Number	37271185
Date	May 15, 2018
Book Page	003727/001185
Instrument	19389

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

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	$1,776.00 (+5.46%) Homeowner's exemption	$168,679 (+3%)	$226,701 (+0.87%) Land $35,000 Building $191,701
2023	$1,684.00 (+2.81%) Homeowner's exemption	$163,766 (+3%)	$224,737 (+5.61%) Land $35,000 Building $189,737
2022	$1,638.00 Homeowner's exemption	$158,996	$212,806 Land $25,000 Building $187,806

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 21 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	2 (2020–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2024 · rainfall accumulation

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 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.2% 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 439 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000

May also be available: Hotwire Communications.

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