5461 Stafford Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 5461 Stafford Cir, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,696 sqft · built 2003
Lot Size	0.293 acres (12,763 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Jun 2022)
Tax Bill	$3,692 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-1N-29-5777-00D00-0110`

Property Details

APN / Parcel Number

Primary APN	`05-1N-29-5777-00D00-0110`
Alternative APN	`N29105577700D000110`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,696 sqft Living Area
Gross Area	3,375 sqft
1st Floor Area	2,696 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	12,763 sqft (0.293 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5461 STAFFORD CIR
City	MILTON
State	FL
Zip	32571-6840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WINDSOR FOREST PHASE III LOT 11 BLK D AS DES IN OR 4297 PG 423
Legal Range	29W
Legal Township	1N
Legal Section	05
Legal Subdivision	WINDSOR FOREST P III
Legal Block	D
Legal Lot Number	11
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2012
Census Tract	10707

Owner

Source: Santa Rosa County records, as of June 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	5461 STAFFORD CIR, PACE, FL 32571-6840
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION
Jun 21, 2022	Warranty Deed, Transfer · Conventional Mortgage JWH FINANCIAL INC
Nov 2, 2018	Loan Modification, Mortgage · VA Mortgage ROUNDPOINT MTG SVCNG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2022 · Amount on Record
Deed Sale	Jun 21, 2022 · Amount on Record
Prior Sale	Sep 24, 2014 · Amount on Record
Deed Document Number	202236861
Deed Book / Page	4297 / 423
Prior Transfer Date	Mar 22, 2010
Prior Transfer Doc	0029680140
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Recording Date	May 14, 2026
Property Address	5461 STAFFORD CIR, MILTON, FL 32571-6840
Document Number	0000024431
Book / Page	4744 / 353
Instrument Date	May 8, 2026
Instrument	202624431
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5461 STAFFORD CIR, MILTON, FL 32571-6840

Mortgage

Document Number	0000024431,
Date	May 14, 2026
Book Page	4744/353
Instrument	202624431

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2056

Interest

Rate	7.13%
Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 21, 2022
Property Address	5461 STAFFORD CIR, PACE, FL 32571-6840
Document Number	0042970423
Book / Page	4297 / 423
Map Reference	MB G PG 64
Instrument Date	Jun 16, 2022
Instrument	202236861
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4346 PACE LN, 4346, MILTON, FL 32571-2747

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5461 STAFFORD CIR, PACE, FL 32571-6840

Mortgage

Document Number	0004297424
Date	Jun 21, 2022
Instrument	4297/424

Lender

Name	JWH FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Property Address	5461 STAFFORD CIR, PACE, FL 32571-6840
Document Number	0037831776
Instrument Date	Nov 2, 2018
Transaction Type	Mortgage
Record Updated	Jan 4, 2019
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5461 STAFFORD CIR PACE FL 325716840, PACE, FL 32571-6840

Mortgage

Document Number	0037831776
Date	Nov 20, 2018
Book Page	003783/001776
Instrument	49561

Lender

Name	ROUNDPOINT MTG SVCNG
Type	Mortgage Company
Address	CHARLOTTE, NC 28217

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2048

Interest

Rate	4.87%

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	$3,692.00 (+3.59%) Homeowner's exemption	$322,688 (+2.9%)	$327,356 (+4.39%) Land $45,000 Building $282,356
2024	$3,564.00 (-1.3%) Homeowner's exemption	$313,594 (+0.65%) Land $43,000 Building $270,594	$313,594 (+0.65%) Land $43,000 Building $270,594
2023	$3,611.00 (+72.61%) Homeowner's exemption	$311,570 (+60.6%) Land $43,000 Building $268,570	$311,570 (+9.79%) Land $43,000 Building $268,570
2022	$2,092.00 Homeowner's exemption	$194,009	$283,788 Land $37,000 Building $246,788

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 57 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	10 (1995–2020)
Claims Outside the SFHA	10 of 10
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 3 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 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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