4995 Covenant Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 4995 Covenant Cir, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,479 sqft · built 2015
Lot Size	0.182 acres (7,928 sqft)
Owner	2 Individual Names on Record
Last Sale	$146,600 (Jul 2015)
Tax Bill	$1,751 (2025)
Deeds & Mortgages	Aug 2026 Sale Jan 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-1N-29-0747-00B00-0050`

Property Details

APN / Parcel Number

Primary APN	`27-1N-29-0747-00B00-0050`
Alternative APN	`N29127074700B000050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,479 sqft Living Area
Gross Area	2,665 sqft
1st Floor Area	1,479 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	7,928 sqft (0.182 acres)
Lot Dimensions	135 ft deep x 59 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	229 sqft
Patio Area	216 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	4995 COVENANT CIR
City	MILTON
State	FL
Zip	32571-2545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	COVINGTON WOODS LOT 5 BLK B AS DES IN OR 3448 PG 1608
Legal Range	29W
Legal Township	1N
Legal Section	27
Legal Subdivision	COVINGTON WOODS
Legal Block	B
Legal Lot Number	5
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	4
Census Block	4002
Census Tract	10704

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	4995 COVENANT CIR, MILTON, FL 32571-2545
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jan 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jan 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2015 · Amount on Record
Deed Sale	Jul 29, 2015 · Amount on Record
Deed Document Number	201528026
Deed Book / Page	3448 / 1608
Last Transfer Date	Aug 24, 2026
Transfer Doc	0000043312
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 26, 2026
Property Address	4995 COVENANT CIR, MILTON, FL 32571-2545
Document Number	0000043312
Book / Page	4782 / 962
Instrument Date	Aug 24, 2026
Instrument	202643312
Transaction Type	Transfer
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4995 COVENANT CIR, MILTON, FL 32571-2545

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4995 COVENANT CIR, PACE, FL 32571-2545
Transaction Type	Mortgage
Record Updated	Feb 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4995 COVENANT CIR, MILTON, FL 32571-2545

Mortgage

Document Number	0043591302
Date	Jan 17, 2023
Book Page	4359/1302
Instrument	202301825

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2043

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4995 COVENANT CIR, PACE, FL 32571-2545
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042301698
Date	Jan 7, 2022
Book Page	4230/1698
Instrument	202201231

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

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	$1,751.00 (+3.3%)	$162,806 (+2.9%)	$224,871 (-2.62%) Land $35,000 Building $189,871
2024	$1,695.00 (+9.28%) Homeowner's exemption	$158,218 (+3%)	$230,930 (+0.77%) Land $35,000 Building $195,930
2023	$1,551.00 (+12.15%) Homeowner's exemption	$153,610 (+9.92%)	$229,170 (+12.01%) Land $35,000 Building $194,170
2022	$1,383.00 Homeowner's exemption	$139,746	$204,591 Land $25,000 Building $179,591

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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