5492 Covered Bridge Ln, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 5492 Covered Bridge Ln, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,596 sqft · built 2012
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$434,900 (Aug 2026)
Tax Bill	$3,782 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-2N-29-3011-00A00-0230`

Property Details

APN / Parcel Number

Primary APN	`33-2N-29-3011-00A00-0230`
Alternative APN	`N29233301100A000230`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,596 sqft Living Area
Gross Area	3,639 sqft
1st Floor Area	2,596 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	237 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	473 sqft
Patio Area	150 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5492 COVERED BRIDGE LN
City	MILTON
State	FL
Zip	32571-6420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PACE MILL CREEK LOT 23 BLK A AS DES IN OR 4332 PG 1641
Legal Range	29W
Legal Township	2N
Legal Section	33
Legal Subdivision	PACE MILL CREEK/3-A
Legal Block	A
Legal Lot Number	23
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	1
Census Block	1004
Census Tract	10301

Owner

Source: Santa Rosa County records, as of October 13, 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	5492 COVERED BRIDGE LN, MILTON, FL 32571-6420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE MORTGAGE
Mar 3, 2021	Deed of Trust, Mortgage · Line of Credit PEN AIR FEDERAL CU
Oct 5, 2022	Warranty Deed, Transfer · Conventional Mortgage LOW VA RATES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2026 · Amount on Record
Deed Sale	Aug 19, 2026 · Amount on Record
Prior Sale	Oct 5, 2022 · Amount on Record
Deed Document Number	202642035
Deed Book / Page	4780 / 482
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 19, 2026
Property Address	5492 COVERED BRIDGE LN, MILTON, FL 32571-6420
Document Number	0000042035
Book / Page	4780 / 482
Instrument Date	Jul 29, 2026
Instrument	202642035
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	SURETY LAND AND TITLE COMPANY, SURETY LAND & TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$307,474.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5492 COVERED BRIDGE LN, MILTON, FL 32571-6420

Mortgage

Document Number	0000042036,
Date	Aug 19, 2026
Instrument	202642036

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5492 COVERED BRIDGE LN, PACE, FL 32571-6420
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5942 COVERED BRIDGE LANE, PACE, FL 32571

Mortgage

Document Number	0040801852
Date	Mar 3, 2021
Book Page	4080/1852
Instrument	202113939

Lender

Name	PEN AIR FEDERAL CU
Type	Credit Union
Address	PENSACOLA, FL 32514

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 5, 2022
Property Address	5492 COVERED BRIDGE LN, PACE, FL 32571-6420
Document Number	0043321641
Book / Page	4332 / 1641
Map Reference	MB 11 PG 31&32
Instrument Date	Sep 30, 2022
Instrument	202256947
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	SURETY LAND TITLE/FL LLC, SURETY LAND TITLE OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1552 SILVER RIDGE DR, CANTONMENT, FL 32533-9678

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5492 COVERED BRIDGE LN, PACE, FL 32571-6420

Mortgage

Document Number	0043321642
Date	Oct 5, 2022
Instrument	4332/1642

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

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	$3,782.00 (+3.76%)	$318,360 (+2.9%)	$334,233 (+3.92%) Land $48,000 Building $286,233
2024	$3,645.00 (+1.59%) Homeowner's exemption	$309,388 (+3%)	$321,614 (+7.07%) Land $48,000 Building $273,614
2023	$3,588.00 (+51.84%) Homeowner's exemption	$300,377 (+46.39%) Land $42,000 Building $258,377	$300,377 (+1.54%) Land $42,000 Building $258,377
2022	$2,363.00 Homeowner's exemption	$205,187	$295,820 Land $40,000 Building $255,820

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 84 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	84 in force

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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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 306 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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