12444 Hwy 89, Jay, FL 32565 Property Records

Santa Rosa County property record for 12444 Hwy 89, Jay, FL 32565

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,568 sqft · built 2023
Lot Size	2.04 acres (88,862 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,276 (2024)
Deeds & Mortgages	Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-4N-29-0000-01605-0000`

Property Details

APN / Parcel Number

Primary APN	`05-4N-29-0000-01605-0000`
Alternative APN	`N294050000016050000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Flooring	Wood

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	88,862 sqft (2.04 acres)
View / Lot	Mobile Home

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12444 HIGHWAY 89
City	JAY
State	FL
Zip	32565-9116
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	AG-RR
Legal Description	COMMENCE AT THE NORTHEAST CORNER OF THE SOUTHEAST QUARTER OF THE NORTHEAST QUARTER OF SECTION 5, TOWNSHIP 4 NORTH, RANGE 29 WEST, SANTA ROSA COUNTY, FLORIDA; THENCE GO SOUTH 000000 EAST ALONG THE MONUMENTED EAST LINE OF SAID SECTION 5, A DISTANCE OF
Legal Range	29W
Legal Township	4N
Legal Section	05
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	3
Census Block	3030
Census Tract	10200

Owner

12444 Hwy 89, a mobile home, is owned and occupied by two individuals who acquired it in March 2023.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	12444 HIGHWAY 89, JAY, FL 32565-9116
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 Transfer Date	Mar 10, 2023
Transfer Doc	0043820260
Record Updated	Jun 8, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 4, 2023
Property Address	12444 HIGHWAY 89, JAY, FL 32565-9116
Document Number	0043820260
Book / Page	4382 / 260
Instrument Date	Mar 10, 2023
Instrument	202314312
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	SURETY LAND TITLE/FL LLC, SURETY LAND TITLE OF FL LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12470 HIGHWAY 89, JAY, FL 32565-9116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124444 HWY 89, JAY, FL 32565

Mortgage

Document Number	0004382262
Date	Apr 4, 2023
Instrument	4382/262

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025		$144,780 (+2.9%)	$149,112 (+5.98%) Land $26,520 Building $122,592
2024	$1,276.00 (+464.6%) Homeowner's exemption	$140,700 (+666.34%) Land $21,420 Building $119,280	$140,700 (+666.34%) Land $21,420 Building $119,280
2023	$226.00 (+5,55%)	$18,360 (+4,902.72%) Land $18,360	$18,360 (+5%) Land $18,360
2022	$4.00	$367 Land $367	$12,240

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

Flood

FEMA maps place 12444 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 12444 Hwy 89 is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20