5003 Covenant Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 5003 Covenant Cir, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,490 sqft · built 2015
Lot Size	0.182 acres (7,928 sqft)
Owner	2 Individual Names on Record
Last Sale	$278,000 (Jun 2025)
Tax Bill	$1,829 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-1N-29-0747-00B00-0040`

Property Details

APN / Parcel Number

Primary APN	`27-1N-29-0747-00B00-0040`
Alternative APN	`N29127074700B000040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,490 sqft Living Area
Gross Area	2,172 sqft
1st Floor Area	1,490 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Brick
Construction Type	Wood
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	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	262 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	5003 COVENANT CIR
City	PACE
State	FL
Zip	32571-2530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	COVINGTON WOODS LOT 4 BLK B AS DES IN OR 4622 PG 864
Legal Range	29W
Legal Township	1N
Legal Section	27
Legal Subdivision	COVINGTON WOODS
Legal Block	B
Legal Lot Number	4
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 April 28, 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	5003 COVENANT CIR, MILTON, FL 32571-2530
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 3, 2018	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2025 · Amount on Record
Deed Sale	Jun 3, 2025 · Amount on Record
Prior Sale	Apr 3, 2018 · Amount on Record
Deed Document Number	202524948
Deed Book / Page	4622 / 864
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5003 COVENANT CIR, PACE, FL 32571-2530
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5003 COVENANT CIR, PACE, FL 32571-2530

Mortgage

Document Number	0040201778
Date	Oct 28, 2020
Book Page	4020/1778
Instrument	202056368

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 3, 2018
Property Address	5003 COVENANT CIR, PACE, FL 32571-2530
Document Number	0037150782
Book / Page	3715 / 0782
Map Reference	MB10 PG75
Instrument Date	Mar 29, 2018
Instrument	201812899
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	SURETY LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5458 KEEL DR, 5458, PENSACOLA, FL 32507-7978

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5003 COVENANT CIR, MILTON, FL 32571-2530

Mortgage

Document Number	0201812900
Date	Apr 3, 2018
Instrument	201812900

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

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	$1,829.00 (+3.33%)	$172,688 (+2.9%)	$217,880 (-2.65%) Land $35,000 Building $182,880
2024	$1,770.00 (+5.73%) Homeowner's exemption	$167,821 (+3%)	$223,804 (+0.73%) Land $35,000 Building $188,804
2023	$1,674.00 (+2.89%) Homeowner's exemption	$162,933 (+3%)	$222,190 (+7.33%) Land $35,000 Building $187,190
2022	$1,627.00 Homeowner's exemption	$158,187	$207,019 Land $25,000 Building $182,019

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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