Santa Rosa County property record for 5409 Rowe Trl, Pace, FL 32571 · Last verified November 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 5 Baths |
| Year Built | Built 2017 |
| Square Footage | 4,076 sqft Heated Area |
| Garage | 1,416 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $46,500 (2014) |
| Tax Bill | $5,478.00 (2024) |
Source: Santa Rosa County records · APN 06-1N-29-5804-00B00-0430
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 5409 ROWE TRL, PACE, FL 32571-9556 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 08, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Jan 20, 2016 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) HARROD STEPHEN T & P J TR (PT) |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 09, 2014 · Amount on Record |
| Deed Sale | Jul 09, 2014 · Amount on Record |
| Prior Sale | Sep 01, 1998 · Amount on Record |
| Deed Doc Number | 201423194 |
| Deed Book / Page | 3355 / 1656 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5409 ROWE TRL, PACE, FL 32571-9556 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039070537 |
|---|---|
| Date | Jan 08, 2020 |
| Book Page | 3907/0537 |
| Instrument | 202000968 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5409 ROWE TRL, PACE, FL 32571-9556 |
| Document Number | 0035930334 |
| Book / Page | 003593 / 000334 |
| Instrument Date | Jan 20, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 01, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 5409 ROWE TRL PACE FL 325719556, PACE, FL 32571-9556 |
| Document Number | 0035930334 |
|---|---|
| Date | Jan 24, 2017 |
| Book Page | 003593/000334 |
| Instrument | 2777 |
| Name | HARROD STEPHEN T & P J TR (PT) |
|---|---|
| Address | 15400 EMERALD COAST PKWY # 1406, DESTIN, FL 32541-8537 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 23, 2047 |
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 | $5,478.00 (+5.81%) Homeowner's exemption | $448,023 (+3%) | $616,209 (+4.97%) Land $76,300 Building $539,909 |
| 2023 | $5,177.00 (+2.37%) Homeowner's exemption | $434,974 (+3%) | $587,007 (+5.17%) Land $76,300 Building $510,707 |
| 2022 | $5,057.00 Homeowner's exemption | $422,305 | $558,136 Land $76,300 Building $481,836 |
Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 45% of the US · above 15% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,351 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 06-1N-29-5804-00B00-0430 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Building Area | 4,076 sqft Heated Area |
| Gross Area | 6,952 sqft Gross Area |
| 1st Floor | 5,492 sqft 1st Floor |
| Basement Area | 1,072 sqft Basement |
| Finished Basement | 1,072 sqft Finished |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Brick Exterior |
| Construction Type | Wood Construction |
| Foundation Type | Masonry Foundation |
| Roof Material | Shingle Roof |
| Lot Width | 1,150 ft Width |
| Parking Spaces | 5 Parking Spaces |
| Garage Area | 1,416 sqft Garage |
| Deck Area | 447 sqft Deck |
| Porch | Open Porch |
| Porch Area | 1,260 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Account Number | 061N29580400B000430 |
|---|---|
| Street Address | 5409 ROWE TRL |
| City | PACE |
| State | FL |
| Zip | 32571-9556 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | WOODBINE SPRINGS PLANTATION L OT 43 BLK B AS DES IN OR 3355 PG 1656 LESS 2/3 INT MINERAL RIGHTS |
| Legal Range | 29W |
| Legal Township | 01N |
| Legal Section | 06 |
| Legal Subdivision | WOODBINE SPRINGS PLT |
| Legal Block | B |
| Legal Lot Number | 43 |
| Jurisdiction | SANTA ROSA FL |
| Minor Civil Division | PACE |
| Census Blockgroup | 1 |
| Census Block | 1002 |
| Census Tract | 10707 |
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