5520 Mill Race Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 5520 Mill Race Cir, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,639 sqft · built 2017
Lot Size	0.301 acres (13,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Jul 2019)
Tax Bill	$3,259 (2024)
Deeds & Mortgages	Sep 2025 Transfer Jul 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`33-2N-29-3017-00D00-0200`

Property Details

APN / Parcel Number

Primary APN	`33-2N-29-3017-00D00-0200`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,639 sqft Heated Area
Gross Area	3,409 sqft
1st Floor Area	3,059 sqft
Flooring	Carpet
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	13,155 sqft (0.301 acres)
Lot Dimensions	1,550 ft deep x 850 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	350 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	332N29301700D000200
Street Address	5520 MILL RACE CIR
City	PACE
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 20 BLK D AS DES IN OR 3847 PG 373
Legal Range	29W
Legal Township	02N
Legal Section	33
Legal Subdivision	PACE MILL CREEK
Legal Phase	3
Legal Block	D
Legal Lot Number	20
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 27, 2025

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
Co-owner	2 Co-owners on Record
Mailing Address	5520 MILL RACE CIR, PACE, FL 32571-6438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jul 8, 2019	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK
Jun 23, 2017	Warranty Deed, Transfer NAVY FCU
Mar 17, 2017	Loan Modification, Mortgage · Line of Credit CENTENNIAL BK

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Jul 8, 2019 · Amount on Record
Deed Sale	Jul 8, 2019 · Amount on Record
Prior Sale	Jul 8, 2019 · Amount on Record
Deed Document Number	0038470373
Deed Book / Page	3847 / 0373
Last Transfer Date	Sep 15, 2025
Transfer Doc	0046580873
Record Updated	Jun 8, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 15, 2025
Property Address	5520 MILL RACE CIR, PACE, FL 32571-6438
Document Number	0046580873
Book / Page	4658 / 873
Map Reference	MB 12 PG 27
Instrument Date	Sep 15, 2025
Instrument	202543044
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 S E ST, PENSACOLA, FL 32502-4520

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5520 MILL RACE CIR, PACE, FL 32571-6438

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 8, 2019
Property Address	5520 MILL RACE CIR, PACE, FL 32571-6438
Document Number	0038470373
Book / Page	3847 / 0373
Map Reference	MB 12 PG 27
Instrument Date	Jul 3, 2019
Instrument	201929085
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	GUARANTEE TTL OF NORTHWEST F

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5520 MILL RACE CIR, PACE, FL 32571-6438

Mortgage

Document Number	0003847375
Date	Jul 8, 2019
Instrument	3847/375

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2034

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 23, 2017
Property Address	5520 MILL RACE CIR, PACE, FL 32571-6438
Document Number	0036360187
Book / Page	003636 / 000187
Instrument Date	Jun 21, 2017
Instrument	25557
Transaction Type	Transfer
Record Updated	Jul 12, 2017
Title Company	GUARANTEE TITLE/NORTHWEST FL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,847.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5520 MILL RACE CIR PACE FL 32571, PACE, FL 32571

Mortgage

Document Number	36360189
Date	Jun 23, 2017
Book Page	003636/000189
Instrument	25558

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2047

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 17, 2017
Property Address	5520 MILL RACE CIR, PACE, FL 32571-6438
Document Number	0036070496
Book / Page	003607 / 000496
Instrument Date	Mar 15, 2017
Instrument	10480
Transaction Type	Mortgage
Record Updated	Apr 7, 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	36070496
Date	Mar 17, 2017
Book Page	003607/000496
Instrument	10480

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 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	$3,259.00 (+2.9%) Homeowner's exemption	$274,321 (+3%)	$327,741 (+2.65%) Land $48,000 Building $279,741
2023	$3,167.00 (+2.39%) Homeowner's exemption	$266,331 (+3%)	$319,273 (+0.63%) Land $42,000 Building $277,273
2022	$3,093.00 Homeowner's exemption	$258,574	$317,274 Land $40,000 Building $277,274

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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