5425 Rowe Trl, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 5425 Rowe Trl, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,566 sqft · built 1987
Lot Size	0.829 acres (36,111 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (May 2023)
Tax Bill	$5,650 (2024)
Deeds & Mortgages	Feb 2024 Mortgage May 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-1N-29-5804-00B00-0470`

Property Details

APN / Parcel Number

Primary APN	`06-1N-29-5804-00B00-0470`
Alternative APN	`N29106580400B000470`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,566 sqft Living Area
Gross Area	4,167 sqft
1st Floor Area	1,942 sqft
Upper Floors Area	624 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2012
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	36,111 sqft (0.829 acres)
Lot Width	107 ft Width
View / Lot	Lake
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Unfinished Open Porch
Porch Area	985 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5425 ROWE TRL
City	MILTON
State	FL
Zip	32571-9556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WOODBINE SPRINGS PLANTATION LOT 47 BLK B AS DES IN OR 4393 PG 588 LESS 2/3 INT MINERAL RIGHTS
Legal Range	29W
Legal Township	1N
Legal Section	06
Legal Subdivision	WOODBINE SPRINGS PLT
Legal Block	B
Legal Lot Number	47
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	1
Census Block	1002
Census Tract	10707

Owner

Source: Santa Rosa County assessment roll, as of December 8, 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	5425 ROWE TRL, MILTON, FL 32571-9556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC
May 9, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Dec 2, 2020	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 30, 2019	Warranty Deed, Transfer · Conventional with PMI PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 9, 2023 · Amount on Record
Deed Sale	May 9, 2023 · Amount on Record
Prior Sale	Jul 30, 2019 · Amount on Record
Deed Document Number	202320273
Deed Book / Page	4393 / 588
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5425 ROWE TRL, PACE, FL 32571-9556
Transaction Type	Mortgage
Record Updated	Apr 1, 2024
Title Company	SOURCEPOINT TITLE SVCS, SOURCEPOINT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5425 ROWE TRL, PACE, FL 32571-9556

Mortgage

Document Number	0044720689
Date	Feb 7, 2024
Book Page	4472/689
Instrument	202405350

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	321 RESEARCH PKWY STE 303, MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 9, 2023
Property Address	5425 ROWE TRL, PACE, FL 32571-9556
Document Number	0043930588
Book / Page	4393 / 588
Map Reference	MB D PG 16
Instrument Date	May 3, 2023
Instrument	202320273
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	SURETY LAND TITLE/FL LLC, SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6436 ROBIE RD, MILTON, FL 32570-6360

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 DEROSE DR, FAYETTEVILLE, NC 28311-2119

Mortgage

Document Number	0004393589
Date	May 9, 2023
Instrument	4393/589

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5425 ROWE TRL, PACE, FL 32571-9556
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036271550
Date	May 25, 2017
Book Page	3627/1550
Instrument	201721137

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2037

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5425 ROWE TRL, PACE, FL 32571-9556
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5425 ROWE TRL, MILTON, FL 32571-9556

Mortgage

Document Number	0040370218
Date	Dec 2, 2020
Book Page	4037/218
Instrument	202064676

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 30, 2019
Property Address	5425 ROWE TRL, PACE, FL 32571-9556
Document Number	0038541137
Book / Page	003854 / 001137
Instrument Date	Jul 25, 2019
Instrument	32920
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,449.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4872 W SPENCER FIELD RD MILTON FL 325711231, MILTON, FL 32571-1231

Mortgage

Document Number	38541139
Date	Jul 30, 2019
Book Page	003854/001139
Instrument	32921

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	GULF BREEZE, FL 32561

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2049

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		$468,632 (+2.89%) Land $109,000 Building $359,632	$468,632 (+2.89%) Land $109,000 Building $359,632
2024	$5,650.00 (+13.87%)	$455,475 (+8.81%) Land $109,000 Building $346,475	$455,475 (+8.4%) Land $109,000 Building $346,475
2023	$4,962.00 (+2.37%) Homeowner's exemption	$418,593 (+3%)	$420,189 (+3.39%) Land $109,000 Building $311,189
2022	$4,847.00 Homeowner's exemption	$406,401	$406,401 Land $109,000 Building $297,401

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Communications Cable	1,000 / 50

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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