5515 Mill Race Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 5515 Mill Race Cir, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,103 sqft · built 2017
Lot Size	0.283 acres (12,371 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Aug 2023)
Tax Bill	$3,222 (2024)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-2N-29-3017-00E00-0130`

Property Details

APN / Parcel Number

Primary APN	`33-2N-29-3017-00E00-0130`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,103 sqft Heated Area
Gross Area	2,903 sqft
1st Floor Area	2,543 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	12,371 sqft (0.283 acres)
Lot Dimensions	1,550 ft deep x 800 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	332N29301700E000130
Street Address	5515 MILL RACE CIR
City	PACE
State	FL
Zip	32571-6441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PACE MILL CREEK PHASE THREE-B LOT 13 BLK E AS DES IN OR 4428 PG 76
Legal Range	29W
Legal Township	02N
Legal Section	33
Legal Subdivision	PACE MILL CREEK
Legal Phase	3
Legal Block	E
Legal Lot Number	13
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	1
Census Block	1014
Census Tract	10301

Owner

Source: Santa Rosa County records, as of October 27, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5515 MILL RACE CIR, PACE, FL 32571-6441
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2023	Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Aug 13, 2019	Deed of Trust, Mortgage · Conventional with PMI NAVY FCU
Jun 23, 2017	Warranty Deed, Transfer · Conventional with PMI UNIVERSITY LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2023 · Amount on Record
Deed Sale	Aug 25, 2023 · Amount on Record
Prior Sale	Jun 23, 2017 · Amount on Record
Deed Document Number	202338788
Deed Book / Page	4428 / 76
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 25, 2023
Property Address	5515 MILL RACE CIR, PACE, FL 32571-6441
Document Number	0044280076
Book / Page	4428 / 76
Map Reference	MB 12 PG 27&28
Instrument Date	Aug 10, 2023
Instrument	202338788
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7601 N 9TH AVE # AVEA205, AVEA205, PENSACOLA, FL 32514-6469

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5515 MILL RACE CIR, PACE, FL 32571-6441

Mortgage

Document Number	0000442877
Date	Aug 25, 2023
Instrument	4428/77

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5515 MILL RACE CIR, PACE, FL 32571-6441
Document Number	0038630574
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5515 MILL RACE CIR PACE FL 325716441, PACE, FL 32571-6441

Mortgage

Document Number	0038630574
Date	Aug 23, 2019
Book Page	003863/000574
Instrument	37599

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2049

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 23, 2017
Property Address	5515 MILL RACE CIR, PACE, FL 32571-6441
Document Number	0036360135
Book / Page	003636 / 000135
Instrument Date	Jun 21, 2017
Instrument	25541
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	GUARANTEE TITLE/NORTHWEST FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,670.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5515 MILL RACE CIR PACE FL 32571, PACE, FL 32571

Mortgage

Document Number	36360145
Date	Jun 23, 2017
Book Page	003636/000145
Instrument	25544

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2047

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$3,222.00 (+38.05%) Homeowner's exemption	$276,592 (+36.45%) Land $48,000 Building $228,592	$276,592 (+4.7%) Land $48,000 Building $228,592
2023	$2,334.00 (+2.5%) Homeowner's exemption	$202,713 (+3%)	$264,169 (+0.76%) Land $42,000 Building $222,169
2022	$2,277.00 Homeowner's exemption	$196,809	$262,180 Land $40,000 Building $222,180

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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