Santa Rosa County property record for 5485 Rowe Trl, Pace, FL 32571
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,975 sqft · built 1988 |
| Lot Size | 0.436 acres (18,992 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $184,000 (May 2018) |
| Tax Bill | $1,888 (2025) |
| Deeds & Mortgages | Aug 2023 Reverse Mortgage Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-1N-29-5804-00B00-0690 |
| Primary APN | 06-1N-29-5804-00B00-0690 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,975 sqft Living Area |
| Gross Area | 2,815 sqft |
| 1st Floor Area | 1,975 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 18,992 sqft (0.436 acres) |
| Lot Dimensions | 190 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 290 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 5485 ROWE TRL |
|---|---|
| City | PACE |
| State | FL |
| Zip | 32571-9556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | *ENHNCD LIFE EST* RESRVD IN: LOT 69 BLK B WOODBINE SPRINGS PLANTATION AS DES IN OR 3725 PG 626 & IN OR 4179 PG 1735 & E-L/E RES IN OR 4593 PG 1529 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 | 69 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | PACE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 10707 |
Source: Santa Rosa County records · APN 06-1N-29-5804-00B00-0690
Assessment roll updated December 8, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 4826 SKIPPER LN, MILTON, FL 32571-2622 |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Aug 11, 2023 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Oct 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PEN AIR FEDERAL CU |
| Sep 17, 2021 | Intrafamily Transfer, Transfer |
| May 07, 2018 | Warranty Deed, Transfer ALLURE TITLE COMPANY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 07, 2018 · Amount on Record |
| Deed Sale | May 07, 2018 · Amount on Record |
| Prior Sale | Sep 05, 2014 · Amount on Record |
| Deed Document Number | 201818091 |
| Deed Book / Page | 3725 / 626 |
| Last Transfer Date | Mar 05, 2025 |
| Transfer Doc | 0045931529 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5485 ROWE TRL, PACE, FL 32571-9556 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5485 ROWE TRL, PACE, FL 32571-9556 |
| Document Number | 0044240423 |
|---|---|
| Date | Aug 11, 2023 |
| Book Page | 4424/423 |
| Instrument | 202336595 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.79% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 01, 2023 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 11.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 5485 ROWE TRL, PACE, FL 32571-9556 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0038820142 |
|---|---|
| Date | Oct 21, 2019 |
| Book Page | 3882/0142 |
| Instrument | 201947204 |
| Name | PEN AIR FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32504 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Sep 17, 2021 |
| Property Address | 5485 ROWE TRL, PACE, FL 32571-9556 |
| Document Number | 0041791735 |
| Book / Page | 4179 / 1735 |
| Map Reference | MB D PG 16 |
| Instrument Date | Nov 20, 2019 |
| Instrument | 202162428 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5485 ROWE TRL, PACE, FL 32571-9556 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 07, 2018 |
| Property Address | 5485 ROWE TRL, PACE, FL 32571-9556 |
| Document Number | 0037250626 |
| Book / Page | 003725 / 000626 |
| Instrument Date | Apr 27, 2018 |
| Instrument | 18091 |
| Transaction Type | Transfer |
| Record Updated | Jul 04, 2018 |
| Title Company | ALLURE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,288.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1802 ALLEN LN ABINGTON PA 190011202, ABINGTON, PA 19001-1202 |
Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified April 2026
| 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 |
|---|---|---|---|
| 2025 | $1,888.00 (+3%) | $177,819 (+2.9%) | $257,147 (+2.18%) Land $50,000 Building $207,147 |
| 2024 | $1,833.00 (+9.24%) Homeowner's exemption | $172,808 (+3%) | $251,672 (+5.16%) Land $49,000 Building $202,672 |
| 2023 | $1,678.00 (+2.94%) Homeowner's exemption | $167,775 (+3%) | $239,334 (+5.93%) Land $49,000 Building $190,334 |
| 2022 | $1,630.00 Homeowner's exemption | $162,888 | $225,936 Land $45,000 Building $180,936 |
Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Mediacom Communications Cable | 1,000 / 50 |
May also be available: Verizon.
Based on FCC filings for 130 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | PACE WATER SYSTEM, INC. private · serves 49,328 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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