11900 Hwy 89, Jay, FL 32565 Property Records

Santa Rosa County property record for 11900 Hwy 89, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,007 sqft · built 1979
Lot Size	2.34 acres (102,366 sqft)
Owner	2 Individual Names on File
Last Sale	$133,700 (Aug 2004)
Tax Bill	$1,341 (2024)
Deeds & Mortgages	Jul 2018 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-4N-29-0000-00200-0000`

Property Details

APN / Parcel Number

Primary APN	`09-4N-29-0000-00200-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,007 sqft Heated Area
Gross Area	3,397 sqft
1st Floor Area	2,007 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1984
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	102,366 sqft (2.34 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	684 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	094N290000002000000
Street Address	11900 HIGHWAY 89
City	JAY
State	FL
Zip	32565-9164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	COMM AT TH INSCT OF E R/W HWY 89 & S LN OF N2 OF SW4 THN S90 E 1376 FT TO TH POB THN N0E 315 FT THN S90E 328 FT THN S0 W
Legal Range	29W
Legal Township	04N
Legal Section	09
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	3
Census Block	3030
Census Tract	10200

Owner

11900 Hwy 89 is owned and occupied by two individuals who bought it in August 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	11900 HIGHWAY 89, JAY, FL 32565-9164
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2004 · Amount on File
Deed Sale	Aug 6, 2004 · Amount on File
Deed Document Number	200446433
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	11900 HIGHWAY 89, JAY, FL 32565-9164
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037440257
Date	Jul 2, 2018
Book Page	3744/0257
Instrument	201828150

Lender

Name	GULF WINDS FCU
Type	Credit Union
Address	PENSACOLA, FL 32534

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	145 Months
Due	Aug 1, 2030

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	$1,341.00 (+2.21%) Homeowner's exemption	$141,564 (+3%)	$219,966 (+3.46%) Land $18,800 Building $201,166
2023	$1,312.00 (+2.66%) Homeowner's exemption	$137,441 (+3%)	$212,616 (+1.17%) Land $14,100 Building $198,516
2022	$1,278.00 Homeowner's exemption	$133,438	$210,157 Land $14,100 Building $196,057

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

Flood

FEMA maps place 11900 Hwy 89 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2021 · rainfall accumulation

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 11900 Hwy 89 is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.3% 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	MOORE CREEK MOUNT CARMEL UTILITIES serves 4,875 people · EPA ID FL1570479
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000