5514 Mill Race Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 5514 Mill Race Cir, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,942 sqft · built 2017
Lot Size	0.302 acres (13,155 sqft)
Owner	Individual Name on Record
Last Sale	$220,100 (Nov 2017)
Tax Bill	$2,571 (2025)
Deeds & Mortgages	Dec 2023 Transfer Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`33-2N-29-3017-00D00-0220`

Property Details

APN / Parcel Number

Primary APN	`33-2N-29-3017-00D00-0220`
Alternative APN	`N29233301700D000220`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,942 sqft Living Area
Gross Area	2,510 sqft
1st Floor Area	1,942 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	13,155 sqft (0.302 acres)
Lot Dimensions	155 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	168 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	5514 MILL RACE CIR
City	MILTON
State	FL
Zip	32571-6438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PACE MILL CREEK PHASE THREE-B LOT 22 BLK D AS DES IN OR 3682 PG 416 & AS DES IN OR 4462 PG 1643
Legal Range	29W
Legal Township	2N
Legal Section	33
Legal Subdivision	PACE MILL CREEK 3-B
Legal Block	D
Legal Lot Number	22
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 August 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	12409 INDEPENDENCE AVE, SAVAGE, MN 55378-1027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2023	Intrafamily Transfer, Transfer
Dec 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Nov 29, 2017	Warranty Deed, Transfer · VA Mortgage NAVY FCU
May 8, 2017	Loan Modification, Mortgage · Line of Credit CENTENNIAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2017 · Amount on Record
Deed Sale	Nov 29, 2017 · Amount on Record
Deed Document Number	201749221
Deed Book / Page	3682 / 416
Last Transfer Date	Dec 8, 2023
Transfer Doc	0044621643
Record Updated	Sep 20, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 29, 2023
Property Address	5514 MILL RACE CIR, PACE, FL 32571-6438
Document Number	0044621643
Book / Page	4462 / 1643
Map Reference	MB 12 PG 27
Instrument Date	Dec 12, 2023
Instrument	202357567
Transaction Type	Transfer
Record Updated	Feb 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5514 MILL RACE CIR, PACE, FL 32571-6438

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5514 MILL RACE CIR, PACE, FL 32571-6438
Document Number	0039071708
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5514 MILL RACE CIR PACE FL 325716438, PACE, FL 32571-6438

Mortgage

Document Number	0039071708
Date	Jan 9, 2020
Book Page	003907/001708
Instrument	1297

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 8, 2030

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 29, 2017
Property Address	5514 MILL RACE CIR, PACE, FL 32571-6438
Document Number	0036820416
Book / Page	003682 / 000416
Instrument Date	Nov 7, 2017
Instrument	49221
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	GUARANTEE TITLE/NORTHWEST FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5514 MILL RACE CIR MILTON FL 325716438, MILTON, FL 32571-6438

Mortgage

Document Number	36820418
Date	Nov 29, 2017
Book Page	003682/000418
Instrument	49222

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2047

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Recording Date	May 8, 2017
Property Address	5514 MILL RACE CIR, PACE, FL 32571-6438
Document Number	0036220999
Book / Page	003622 / 000999
Instrument Date	May 3, 2017
Instrument	18181
Transaction Type	Mortgage
Record Updated	Jul 12, 2017
Title Company	GUARANTEE TITLE/NORTHWEST FL

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	36220999
Date	May 8, 2017
Book Page	003622/000999
Instrument	18181

Lender

Name	CENTENNIAL BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$2,571.00 (+3.96%) Homeowner's exemption Veteran's exemption	$226,394 (+2.9%)	$283,437 (+8.1%) Land $48,000 Building $235,437
2024	$2,473.00 (+2.66%) Homeowner's exemption Disabled Person's exemption	$220,012 (+3.08%)	$262,209 (+3.13%) Land $48,000 Building $214,209
2023	$2,409.00 (+32%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$213,441 (+27.35%)	$254,247 (+1.66%) Land $42,000 Building $212,247
2022	$1,825.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$167,608	$250,104 Land $40,000 Building $210,104

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
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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% 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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