7790 Spears Crossing Ln, Pace (Milton), FL 32571 Property Records

Santa Rosa County property record for 7790 Spears Crossing Ln, Pace, FL 32571 · Last verified April 2026

Property Summary

Property Type	Timberland, Forest, Woodland Vacant Land
Details	4 bd · 3.5 ba · 4,929 sqft · built 2022
Lot Size	5.84 acres (254,782 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,243 (2024)
Deeds & Mortgages	May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-2N-29-0000-00197-0000`

Property Details

APN / Parcel Number

Primary APN	`05-2N-29-0000-00197-0000`
Alternative APN	`N292050000001970000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,929 sqft Gross Area
1st Floor Area	2,261 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Metal
Lot Area	254,782 sqft (5.84 acres)
Lot Dimensions	601 ft deep x 424 ft wide
View / Lot	Woodland
Garage Type	Attached
Garage Area	1,200 sqft
Porch	Finished/Open Porch
Porch Area	144 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7790 SPEARS CROSSING LN
City	PACE
State	FL
Zip	32571-9697
Property Category	Vacant Land
Property Type	Vacant Land > Timberland, Forest, Woodland
Legal Description	A PORTION OF LOT 63 OF TIDWELL PLACE AN UNRECORDED SUBDIVISION BEING A PORTION OF SECTION 5 TOWNSHIP 2 NORTH RANGE 29 WEST BEING MORE PARTICULARLY DES AS FOLLOWS: COMMENCE AT THE EAST QUARTER CORNER OF SECTION 5 TOWNSHIP 2 NORTH RANGE 29 WEST SANTA R
Legal Range	29W
Legal Township	2N
Legal Section	05
Legal Subdivision	TIDWELL PLACE
Legal Lot Number	63
Jurisdiction	SANTA ROSA FL
Township / Civil Division	PACE
Census Block Group	1
Census Block	1034
Census Tract	10303

Owner

Source: Santa Rosa County records · APN 05-2N-29-0000-00197-0000

Assessment roll updated December 8, 2025 · Last verified April 2026

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 File
Mailing Address	7790 SPEARS CROSSING LN, MILTON, FL 32571-9697
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	May 06, 2022
Transfer Doc	0042810035
Record Updated	Jun 08, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	May 06, 2022
Property Address	7790 SPEARS CROSSING LN, PACE, FL 32571-9697
Document Number	0042810035
Book / Page	4281 / 35
Instrument Date	May 06, 2022
Instrument	202227785
Transaction Type	Transfer
Record Updated	Apr 16, 2024
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	4252 GOLDEN DR, MILTON, FL 32583-1632

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4252 GOLDEN DR, MILTON, FL 32583-1632

Mortgage

Document Number	0000428138
Date	May 06, 2022
Instrument	4281/38

Lender

Name	MEMBERS FIRST CREDIT UNION OF FLORI
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2037

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	May 01, 2025
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	7.5%
Index	1-Year CMT
Margin	1
Max Rate	13.5%

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$451,808 (+106.6%)	$578,949 (+97.01%) Land $161,013 Building $417,936
2024	$2,243.00 (-0.8%) Homeowner's exemption	$218,690 (+3%)	$293,861 (+13.61%) Land $154,176 Building $139,685
2023	$2,261.00 (+129.08%)	$212,320 (+184.03%)	$258,662 (+246.03%) Land $121,472 Building $137,190
2022	$987.00	$74,752	$74,752 Land $74,752

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 75% of the US · above 61% of Florida
Wildfire Likelihood	About 1 in 273 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.