5530 Mill Race Cir, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 5530 Mill Race Cir, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,523 sqft · built 2017
Lot Size	0.301 acres (13,155 sqft)
Owner	Individual Name on Record
Last Sale	$449,900 (Jun 2023)
Tax Bill	$3,663 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`33-2N-29-3017-00D00-0170`

Property Details

APN / Parcel Number

Primary APN	`33-2N-29-3017-00D00-0170`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,523 sqft Heated Area
Gross Area	3,181 sqft
1st Floor Area	2,936 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	413 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	245 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	332N29301700D000170
Street Address	5530 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 17 BLK D AS DES IN OR 4402 PG 2050
Legal Range	29W
Legal Township	02N
Legal Section	33
Legal Subdivision	PACE MILL CREEK
Legal Phase	3
Legal Block	D
Legal Lot Number	17
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5530 MILL RACE CIR, PACE, FL 32571-6438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2023	Warranty Deed, Transfer · VA Mortgage USAA FSB
May 18, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 2, 2020	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LENDING GROUP LLC
Nov 17, 2017	Warranty Deed, Transfer GUARANTEE TITLE/NORTHWEST FL
Jun 28, 2017	Loan Modification, Mortgage · Line of Credit CENTENNIAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2023 · Amount on Record
Deed Sale	Jun 7, 2023 · Amount on Record
Prior Sale	Oct 2, 2020 · Amount on Record
Deed Document Number	202325195
Deed Book / Page	4402 / 2050
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 7, 2023
Property Address	5530 MILL RACE CIR, PACE, FL 32571-6438
Document Number	0044022050
Book / Page	4402 / 2050
Map Reference	MB 12 PG 27
Instrument Date	Jun 2, 2023
Instrument	202325195
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,149.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2145 S SORRENTO HILLS RD, SAINT AUGUSTINE, FL 32092-4774

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5530 MILL RACE CIR, PACE, FL 32571-6438

Mortgage

Document Number	0044022054
Date	Jun 7, 2023
Instrument	4402/2054

Lender

Name	USAA FSB
Type	Bank

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5530 MILL RACE CIR, PACE, FL 32571-6438
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039511246
Date	May 18, 2020
Book Page	3951/1246
Instrument	202023280

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 2, 2020
Property Address	5530 MILL RACE CIR, PACE, FL 32571-6438
Document Number	0040091726
Book / Page	4009 / 1726
Map Reference	MB 12 PG 27&28
Instrument Date	Sep 30, 2020
Instrument	202050748
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	KNIGHT BARRY TITLE SLN INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3502 SWEET BAY DR, 3502, PACE, FL 32571-8936

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5530 MILL RACE CIR, PACE, FL 32571-6438

Mortgage

Document Number	0040091729
Date	Oct 2, 2020
Instrument	4009/1729

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 17, 2017
Property Address	5530 MILL RACE CIR, PACE, FL 32571-6438
Document Number	0036791354
Book / Page	003679 / 001354
Instrument Date	Nov 15, 2017
Instrument	47987
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	GUARANTEE TITLE/NORTHWEST FL

Transaction

Amount	Amount Recorded
Tax	$1,835.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5530 MILL RACE CIR PACE FL 325716438, PACE, FL 32571-6438

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 28, 2017
Property Address	5530 MILL RACE CIR, PACE, FL 32571-6438
Document Number	0036370923
Book / Page	003637 / 000923
Instrument Date	May 26, 2017
Instrument	26279
Transaction Type	Mortgage
Record Updated	Jun 15, 2018
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	36370923
Date	Jun 28, 2017
Book Page	003637/000923
Instrument	26279

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	$3,663.00 (+1,75%) Homeowner's exemption Disabled Person's exemption	$317,335 (+13.76%) Land $48,000 Building $269,335	$317,335 (+2.7%) Land $48,000 Building $269,335
2023	$198.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$278,951 (+3%)	$308,990 (+0.65%) Land $42,000 Building $266,990
2022	$198.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$270,826	$306,991 Land $40,000 Building $266,991

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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