5651 Champions Dr, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 5651 Champions Dr, Pace, FL 32571

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,630 sqft · built 1992
Lot Size	0.492 acres (21,475 sqft)
Owner	2 Individual Names on File
Last Sale	$405,500 (May 2020)
Tax Bill	$479 (2024)
Deeds & Mortgages	Aug 2021 Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-2N-29-5274-00I00-0040`

Property Details

APN / Parcel Number

Primary APN	`31-2N-29-5274-00I00-0040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,630 sqft Heated Area
Gross Area	4,495 sqft
1st Floor Area	3,274 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	21,475 sqft (0.492 acres)
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	838 sqft
Deck Area	248 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	312N29527400I000040
Street Address	5651 CHAMPIONS DR
City	PACE
State	FL
Zip	32571-8417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	STONEBROOK VILLAGE PHS III LOT 4 BLK I AS DES IN OR 3947 PG 1656
Legal Range	29W
Legal Township	02N
Legal Section	31
Legal Subdivision	STONEBROOK VILL/ALL
Legal Block	1
Legal Lot Number	4
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	2
Census Block	2008
Census Tract	10707

Owner

5651 Champions Dr is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	5651 CHAMPIONS DR, PACE, FL 32571-8417
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
May 6, 2020	Warranty Deed, Transfer NAVY FCU
Mar 1, 2017	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2020 · Amount on File
Deed Sale	May 6, 2020 · Amount on File
Prior Sale	Mar 1, 2017 · Amount on File
Deed Document Number	202021494
Deed Book / Page	3947 / 1656
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	5651 CHAMPIONS DR, PACE, FL 32571-8417
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5651 CHAMPIONS DR, MILTON, FL 32571-8417

Mortgage

Document Number	0041680122
Date	Aug 25, 2021
Book Page	4168/122
Instrument	202157072

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 6, 2020
Property Address	5651 CHAMPIONS DR, PACE, FL 32571-8417
Document Number	0039471656
Book / Page	003947 / 001656
Instrument Date	May 1, 2020
Instrument	21494
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	SURETY LAND TITLE/FL LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,839.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5651 CHAMPIONS DR PACE FL 325718417, PACE, FL 32571-8417

Mortgage

Document Number	39471657
Date	May 6, 2020
Book Page	003947/001657
Instrument	21495

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 1, 2017
Property Address	5651 CHAMPIONS DR, PACE, FL 32571-8417
Document Number	0036021467
Book / Page	003602 / 001467
Instrument Date	Feb 24, 2017
Instrument	7995
Transaction Type	Transfer
Record Updated	Mar 9, 2017
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,267.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2218 VISTA CIR VIRGINIA BEACH VA 234511034, VIRGINIA BEACH, VA 23451-1034

Mortgage

Document Number	36021470
Date	Mar 1, 2017
Book Page	003602/001470
Instrument	7996

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 28, 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	$479.00 (-90.82%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$441,944 (+7.89%) Land $135,000 Building $306,944	$441,944 (+7.89%) Land $135,000 Building $306,944
2023	$5,220.00 (+5.24%)	$409,623 (+1.59%) Land $105,000 Building $304,623	$409,623 (+1.59%) Land $105,000 Building $304,623
2022	$4,960.00	$403,216	$403,216 Land $105,000 Building $298,216

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5651 Champions Dr in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1995.

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 File median of 57 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	10 (1995–2020)
Claims Outside the SFHA	10 of 10
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims

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

Wildfire risk around 5651 Champions Dr is moderate, ranking above 40% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Conexon Connect.

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