5112 Rowe Trl, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 5112 Rowe Trl, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,645 sqft · built 1988
Lot Size	0.436 acres (18,992 sqft)
Owner	2 Individual Names on Record
Last Sale	$146,000 (Apr 2015)
Tax Bill	$1,332 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-1N-29-5804-00A00-0040`

Property Details

APN / Parcel Number

Primary APN	`06-1N-29-5804-00A00-0040`
Alternative APN	`N29106580400A000040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,645 sqft Living Area
Gross Area	2,411 sqft
1st Floor Area	1,645 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	18,992 sqft (0.436 acres)
Lot Dimensions	190 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	214 sqft
Patio Area	150 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	5112 ROWE TRL
City	MILTON
State	FL
Zip	32571-9538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WOODBINE SPRINGS PLANTATION LOT 4 BLK A AS DES IN OR 3421 PG 1424 LESS 2/3 MINERAL RGTS
Legal Range	29W
Legal Township	1N
Legal Section	06
Legal Subdivision	WOODBINE SPRINGS PLT
Legal Block	A
Legal Lot Number	4
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	1
Census Block	1000
Census Tract	10707

Owner

Source: Santa Rosa County records, as of August 5, 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	5112 ROWE TRL, MILTON, FL 32571-9538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Construction Mortgage UNITED BANK
Jul 17, 2020	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2015 · Amount on Record
Deed Sale	Apr 16, 2015 · Amount on Record
Prior Sale	Jan 31, 2006 · Amount on Record
Deed Document Number	201513203
Deed Book / Page	3421 / 1424
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 7, 2026
Property Address	5112 ROWE TRL, MILTON, FL 32571-9538
Document Number	0000033848
Book / Page	4763 / 2065
Instrument Date	Jun 30, 2026
Instrument	202633848
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5112 ROWE TRL, MILTON, FL 32571-9538

Mortgage

Document Number	0000033848,
Date	Jul 7, 2026
Book Page	4763/2065
Instrument	202633848

Lender

Name	UNITED BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 6, 2041

Interest

Rate	5.79%
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5112 ROWE TRL, PACE, FL 32571-9538
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039771568
Date	Jul 17, 2020
Book Page	3977/1568
Instrument	202035509

Lender

Name	CENTERSTATE BANK NA
Type	Bank
Address	MILTON, FL 32570

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jun 23, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,332.00 (+3.1%) Homeowner's exemption	$133,438 (+2.9%)	$217,396 (+2.19%) Land $50,000 Building $167,396
2024	$1,292.00 (+14.34%) Homeowner's exemption	$129,677 (+3%)	$212,745 (+5.13%) Land $49,000 Building $163,745
2023	$1,130.00 (+3.39%) Homeowner's exemption	$125,900 (+3%)	$202,367 (+6.92%) Land $49,000 Building $153,367
2022	$1,093.00 Homeowner's exemption	$122,233	$189,266 Land $45,000 Building $144,266

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 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	9 (1998–2020)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

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 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% 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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50

May also be available: Verizon.

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