Santa Rosa County property record for 11986 Hwy 89, Jay, FL 32565
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,161 sqft · built 2007 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Aug 2022) |
| Tax Bill | $1,485 (2024) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-4N-29-0000-00603-0000 |
| Primary APN | 08-4N-29-0000-00603-0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,161 sqft Heated Area |
| Gross Area | 1,640 sqft |
| 1st Floor Area | 1,161 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 3,130 ft deep x 1,500 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 1 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 479 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 084N290000006030000 |
|---|---|
| Street Address | 11986 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 | *DESCRIPTION UPDATE FOR 2022* COM AT SE CORN OF 08-4N-29W THN N0*56'48E ALNG E SEC LN 2693.96 FT TO SE CORN OF NE4 THN |
| Legal Range | 29W |
| Legal Township | 04N |
| Legal Section | 08 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | JAY |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 10200 |
11986 Hwy 89 is owned and occupied by an individual who bought it in August 2022.
Source: Santa Rosa County records, as of October 27, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 11986 HIGHWAY 89, JAY, FL 32565-9164 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 5, 2022 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Dec 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Jul 24, 2018 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2022 · Amount on File |
| Deed Sale | Aug 5, 2022 · Amount on File |
| Prior Sale | Jul 24, 2018 · Amount on File |
| Deed Document Number | 0043131334 |
| Deed Book / Page | 4313 / 1334 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 5, 2022 |
| Property Address | 11986 HIGHWAY 89, JAY, FL 32565-9164 |
| Document Number | 0043131334 |
| Book / Page | 4313 / 1334 |
| Instrument Date | Aug 5, 2022 |
| Instrument | 202246115 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6765 BEAUDRY LN, 6765, MILTON, FL 32570-7620 |
| Name | Verified Name |
|---|---|
| Address | 11986 HIGHWAY 89, JAY, FL 32565-9164 |
| Document Number | 0043131337 |
|---|---|
| Date | Aug 5, 2022 |
| Instrument | 4313/1337 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 11986 HIGHWAY 89, JAY, FL 32565-9164 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 11986 HIGHWAY 89, JAY, FL 32565-9164 |
| Document Number | 0040420076 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 4042/76 |
| Instrument | 202067178 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 24, 2018 |
| Property Address | 11986 HIGHWAY 89, JAY, FL 32565-9164 |
| Document Number | 0037501353 |
| Book / Page | 003750 / 001353 |
| Instrument Date | Jul 20, 2018 |
| Instrument | 31461 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2018 |
| Title Company | GUARANTEE TITLE/NORTHWEST FL |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11986 HIGHWAY 89 JAY FL 325659164, JAY, FL 32565-9164 |
| Document Number | 37501355 |
|---|---|
| Date | Jul 24, 2018 |
| Book Page | 003750/001355 |
| Instrument | 31462 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 23, 2048 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $1,485.00 (-2.69%) Homeowner's exemption Disabled Person's exemption | $164,068 (+2.09%) Land $8,000 Building $156,068 | $164,068 (+2.09%) Land $8,000 Building $156,068 |
| 2023 | $1,526.00 (+139.94%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $160,713 (+82.22%) Land $6,000 Building $154,713 | $160,713 (+19.48%) Land $6,000 Building $154,713 |
| 2022 | $636.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $88,198 | $134,505 Land $6,000 Building $128,505 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 11986 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 risk around 11986 Hwy 89 is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 81% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
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