Santa Rosa County property record for 4995 Spencer Oaks Blvd, Pace, FL 32571
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,181 sqft · built 2005 |
| Owner | Individual Name on File |
| Last Sale | $275,000 (Dec 2020) |
| Tax Bill | $2,521 (2024) |
| Deeds & Mortgages | Apr 2018 Line of Credit May 2019 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-1N-29-5242-00H00-0130 |
| Primary APN | 10-1N-29-5242-00H00-0130 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,181 sqft Heated Area |
| Gross Area | 3,531 sqft |
| 1st Floor Area | 2,601 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Asphalt |
| Garage Type | Mixed |
| Garage Area | 420 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 358 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 101N29524200H000130 |
|---|---|
| Street Address | 4995 SPENCER OAKS BLVD |
| City | PACE |
| State | FL |
| Zip | 32571-6248 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SPENCER OAKS LANDING PHS I LT 13 BLK H AS DES IN OR 4038 PG 971 |
| Legal Range | 29W |
| Legal Township | 01N |
| Legal Section | 10 |
| Legal Subdivision | SPENCER OAKS LND PH2 |
| Legal Block | H |
| Legal Lot Number | 13 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | PACE |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 10708 |
Source: Santa Rosa County records · APN 10-1N-29-5242-00H00-0130
Assessment roll updated July 1, 2024 · Last verified November 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4995 SPENCER OAKS BLVD, PACE, FL 32571-6248 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 17, 2018 | Deed of Trust, Mortgage · Line of Credit PEN AIR FCU |
| May 08, 2019 | Deed of Trust, Mortgage · Line of Credit PEN AIR FEDERAL CU |
| Dec 07, 2020 | Warranty Deed, Transfer · FHA Mortgage UNIVERSITY LENDING GROUP LLC |
| Apr 06, 2020 | Deed of Trust, Construction Loan · Construction Mortgage PEN AIR FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 07, 2020 · Amount on Record |
| Deed Sale | Dec 07, 2020 · Amount on Record |
| Prior Sale | Mar 20, 2015 · Amount on Record |
| Deed Document Number | 202065383 |
| Deed Book / Page | 4038 / 971 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4995 SPENCER OAKS BLVD, PACE, FL 32571-6248 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0037190619 |
|---|---|
| Date | Apr 17, 2018 |
| Book Page | 3719/0619 |
| Instrument | 201815006 |
| Name | PEN AIR FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32514 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 16, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4995 SPENCER OAKS BLVD, PACE, FL 32571-6248 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0038270585 |
|---|---|
| Date | May 08, 2019 |
| Book Page | 3827/0585 |
| Instrument | 201918870 |
| Name | PEN AIR FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32514 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 07, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 07, 2020 |
| Property Address | 4995 SPENCER OAKS BLVD, PACE, FL 32571-6248 |
| Document Number | 0040380971 |
| Book / Page | 4038 / 971 |
| Map Reference | MB G PG 82 |
| Instrument Date | Dec 02, 2020 |
| Instrument | 202065383 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | EMERALD COAST TTL INC GULF B |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3690 BERRYHILL RD, 3690, PACE, FL 32571-8321 |
| Name | Verified Name |
|---|---|
| Address | 4995 SPENCER OAKS BLVD, PACE, FL 32571-6248 |
| Document Number | 0004038973 |
|---|---|
| Date | Dec 07, 2020 |
| Instrument | 4038/973 |
| Name | UNIVERSITY LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 06, 2020 |
| Property Address | 4995 SPENCER OAKS BLVD, PACE, FL 32571-6248 |
| Document Number | 0039361175 |
| Book / Page | 003936 / 001175 |
| Instrument Date | Apr 03, 2020 |
| Instrument | 16520 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 11, 2020 |
| Title Company | CLEAR TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4995 SPENCER OAKS BLVD PACE FL 325716248, PACE, FL 32571-6248 |
| Document Number | 39361175 |
|---|---|
| Date | Apr 06, 2020 |
| Book Page | 003936/001175 |
| Instrument | 16520 |
| Name | PEN AIR FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32514 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 05, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $2,521.00 (+3.83%) Homeowner's exemption | $231,783 (+3%) | $291,922 (+0.79%) Land $38,000 Building $253,922 |
| 2023 | $2,428.00 (+2.71%) Homeowner's exemption | $225,032 (+3%) | $289,639 (+8.49%) Land $38,000 Building $251,639 |
| 2022 | $2,364.00 Homeowner's exemption | $218,478 | $266,963 Land $27,000 Building $239,963 |
Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 16 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 3 (2017–2021) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Feb 2021 · rainfall accumulation |
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Mediacom Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 49 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | PACE WATER SYSTEM, INC. private · serves 49,328 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 3 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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