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3684 Cotton Gin Ln, Pace, FL, 32571

5beds
6baths
5,058sqft
$1,390,000
$275price/sqft
$9,995/moest. monthly cost
$399,800/yrincome needed

About This Home

Tucked inside the gated community of Nobles Plantation in Pace, this rare custom-built estate offers expansive square footage and land just minutes from Five Points. With 5 bedrooms, a dedicated office, game/rec room, bonus room, 4 full baths and 2 half baths, this thoughtfully designed home provides 5,058 square feet of elevated living space. An impressive foyer with detailed trim and judges paneling sets the tone for the craftsmanship found throughout. The open living areas feature hardwood flooring, crown molding, coffered ceiling, custom built-ins, and a gas fireplace. The kitchen is beautifully appointed with quartz countertops, custom cabinetry with dovetail drawers, walk-in pantry, induction cooktop, Whirlpool Gold appliances, and an oversized island ideal for gathering. A private kids’ wing includes three bedrooms, two full baths, and its own recreation room. The primary suite offers a spacious bedroom with sitting area, while dual walk-in closets line the hallway leading into a spa-inspired bath complete with dual vanities, Kohler bubble tub, oversized walk-in shower, and a fireplace for added ambiance. Upstairs features an entertainment area with 100” television, a half bath off the hallway, and a flex room currently used as a music room. Built with 2x6 exterior walls and spray foam insulation, the home includes a Rinnai tankless gas water heater, whole-house generator, hybrid hot water heater, Control4 automation, and built-in sound system. Outdoor living impresses with a saltwater pool featuring new liner, tanning ledge, and waterfall, plus a covered outdoor kitchen with 36” grill, cooktop, outdoor shower, and wood-burning fireplace. In addition to the attached three-car garage, the 30x30 detached garage includes a work sink, toilet, and RV hookup, offering exceptional flexibility. A rare opportunity to own a grand custom estate in one of Pace’s most desirable gated communities.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
1/10
HIGH ROAD-1421Grades 1-123.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2016

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 4
  • 1/2 bathrooms: 2

Features

  • Ceiling Fan(s),Crown Molding
  • Flooring: Hardwood,Tile,Carpet
  • Fireplace features: Two or More
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Fireplace(s)
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 5,058
  • Total interior livable area: 5,058 sqft

Master Bedroom

  • Level: First

Office

  • Level: First

Property

Details

  • Parcel number: 082n292763000000130
  • Zoning description: Res Single

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground,Salt Water
  • Exterior features: Outdoor Kitchen
  • Fencing: Back Yard

Lot

  • Lot size: 4 Acres
  • Features: Sprinkler

Parking

  • Total spaces: 3
  • Parking features: 3 Car Garage,Detached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
Heat Wave
Tornado
Tsunami

FEMA Declared Disasters in Santa Rosa County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $7,028$84,336
Home Insurance *$1,076$12,912
Property Taxes $1,382$16,584
Electricity $509$6,108
Total$9,995$119,940
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$342,685/yr
40% on housing$299,850/yr
45% on housing$266,533/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.5%
15.5%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$275This listing

vs Other Active Listings

Avg $/sqft

ZIP 32571$165
Santa Rosa County$213

vs Homes Sold Last Month

Median $/sqft

ZIP 32571$176
Santa Rosa County$191

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-04-07Price change$1,590,000
2026-03-02Listed for sale$1,850,000
2015-09-04Sold$89,000

For Sale by Agent

AgentTaylor Dover Bryan, Woodlands & Homes, LLC
BrokerageWoodlands & Homes, LLC

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