Santa Rosa County property record for 5449 Timber Creek Cir, Pace, FL 32571
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,085 sqft · built 1995 |
| Lot Size | 0.581 acres (25,308 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $229,400 (May 2019) |
| Tax Bill | $2,105 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-2N-29-5449-00A00-0050 |
| Primary APN | 35-2N-29-5449-00A00-0050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,085 sqft Living Area |
| Gross Area | 3,653 sqft |
| 1st Floor Area | 2,085 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 25,308 sqft (0.581 acres) |
| Lot Dimensions | 213 ft deep x 119 ft wide |
| Garage Type | Detached |
| Garage Area | 1,000 sqft |
| Porch | Screened Porch |
|---|---|
| Porch Area | 264 sqft |
| Patio Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5449 TIMBER CREEK CIR |
|---|---|
| City | PACE |
| State | FL |
| Zip | 32571-6201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR1 |
| Legal Description | TIMBER CREEK ESTATES PHASE 3 LOT 5 BLK A AS DES IN OR 3832 PG 1739 |
| Legal Range | 29W |
| Legal Township | 2N |
| Legal Section | 35 |
| Legal Subdivision | TIMBER CRK/PH 2,3 |
| Legal Block | A |
| Legal Lot Number | 5 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | PACE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10301 |
5449 Timber Creek Cir is owned and occupied by two individuals who bought it in May 2019.
Source: Santa Rosa County records, as of September 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5449 TIMBER CREEK CIR, MILTON, FL 32571-6201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 4, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Feb 23, 2022 | Deed of Trust, Mortgage · VA Mortgage UNIVERSITY LENDING GROUP LLC |
| May 18, 2020 | Deed of Trust, Mortgage · VA Mortgage UNIVERSITY LNDG |
| May 28, 2019 | Warranty Deed, Transfer · VA Mortgage UNIVERSITY LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2019 · Amount on File |
| Deed Sale | May 28, 2019 · Amount on File |
| Prior Sale | Apr 26, 2005 · Amount on File |
| Deed Document Number | 201921842 |
| Deed Book / Page | 3832 / 1739 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 4, 2026 |
| Property Address | 5449 TIMBER CREEK CIR, MILTON, FL 32571-6201 |
| Document Number | 0000039200 |
| Book / Page | 4774 / 1539 |
| Instrument Date | Jul 27, 2026 |
| Instrument | 202639200 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 5449 TIMBER CREEK CIR, MILTON, FL 32571-6201 |
| Document Number | 0000039200, |
|---|---|
| Date | Aug 4, 2026 |
| Book Page | 4774/1539 |
| Instrument | 202639200 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Aug 1, 2066 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5449 TIMBER CREEK CIR, PACE, FL 32571-6201 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5449 TIMBER CREEK CIR, PACE, FL 32571-6201 |
| Document Number | 0042491324 |
|---|---|
| Date | Feb 23, 2022 |
| Book Page | 4249/1324 |
| Instrument | 202210765 |
| Name | UNIVERSITY LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5449 TIMBER CREEK CIR, PACE, FL 32571-6201 |
| Document Number | 0039540762 |
| Instrument Date | May 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5449 TIMBER CREEK CIR PACE FL 325716201, PACE, FL 32571-6201 |
| Document Number | 0039540762 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 003954/000762 |
| Instrument | 24590 |
| Name | UNIVERSITY LNDG |
|---|---|
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 25, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 28, 2019 |
| Property Address | 5449 TIMBER CREEK CIR, PACE, FL 32571-6201 |
| Document Number | 0038321739 |
| Book / Page | 003832 / 001739 |
| Instrument Date | May 24, 2019 |
| Instrument | 21842 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,605.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5430 HOLLOW OAK LN PACE FL 325711580, PACE, FL 32571-1580 |
| Document Number | 38321742 |
|---|---|
| Date | May 28, 2019 |
| Book Page | 003832/001742 |
| Instrument | 21843 |
| Name | UNIVERSITY LNDG |
|---|---|
| Address | SOUTHFIELD, MI 48034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 27, 2049 |
The 2025 property tax bill for 5449 Timber Creek Cir was $2,105 with a homeowner's exemption, up 3% from the year before.
Source: Santa Rosa County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,105.00 (+3.03%) Homeowner's exemption | $198,640 (+2.9%) | $272,889 (+7.23%) Land $43,000 Building $229,889 |
| 2024 | $2,043.00 (+25.65%) Homeowner's exemption | $193,042 (+17.85%) | $254,487 (+11.27%) Land $38,000 Building $216,487 |
| 2023 | $1,626.00 (+2.98%) Homeowner's exemption | $163,808 (+3%) | $228,702 (+1.51%) Land $38,000 Building $190,702 |
| 2022 | $1,579.00 Homeowner's exemption | $159,037 | $225,310 Land $36,000 Building $189,310 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5449 Timber Creek Cir in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2014.
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 File median of 39 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 4 (2014–2020) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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 risk around 5449 Timber Creek Cir is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 172 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 |
| Verizon Fixed Wireless | 300 / 20 |
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