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12460 Hwy 89, Jay, FL 32565 Property Records

Santa Rosa County property record for 12460 Hwy 89, Jay, FL 32565

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,372 sqft · built 1964
Lot Size0.431 acres (18,774 sqft)
OwnerIndividual Name on File
Tax Bill$834 (2024)
Deeds & MortgagesSep 2020 Transfer
May 2020 Transfer
Flood ZoneZone X (minimal risk)
APN05-4N-29-0000-01700-0000

Property Details

APN / Parcel Number

Primary APN05-4N-29-0000-01700-0000
Alternative APN
  • N294050000017000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,372 sqft Living Area
Gross Area2,047 sqft
1st Floor Area1,372 sqft
FlooringWood
Interior WallsPaneling

Exterior

Year BuiltBuilt 1964
Effective Year BuiltEffective 1964
Exterior MaterialBrick
Construction TypeWood
Foundation TypeNo Foundation
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area18,774 sqft (0.431 acres)
Lot Dimensions179 ft deep x 105 ft wide
Garage TypeCarport
Garage Area260 sqft
CarportCarport
Carport Area260 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchEnclosed Porch
Porch Area144 sqft
Deck Area124 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemForced Air with A/C

Location & Zoning

Street Address12460 HIGHWAY 89
CityJAY
StateFL
Zip32565-9116
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-RR
Legal DescriptionENHNCD LIFE EST RESV IN: BEG ON E LN OF SR #89 AT S LN OF N2 OF S2 OF NE4 THN NLY ON R/W 60 YDS TO POB THN E 420 FT THN N 105 FT THN W 460 FT THN SLY 112 FT TO POB AS DES IN OR 109 PG 207 & OR 3227 PG 562 & E-L/E IN OR 4008 PG 65 *LESS OR 1218 PG 396
Legal Range29W
Legal Township4N
Legal Section05
JurisdictionSANTA ROSA FL
Township / Civil DivisionJAY
Census Block Group3
Census Block3030
Census Tract10200

Owner

12460 Hwy 89 is owned and occupied by an individual who acquired it in September 2020.

Source: Santa Rosa County records, as of March 6, 2026

Owner of RecordIndividual Name on File
Mailing Address12460 HIGHWAY 89, JAY, FL 32565-9116
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Sep 29, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
May 22, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 29, 2020
Deed SaleSep 29, 2020
Deed Document Number202049902
Deed Book / Page4008 / 65
Prior Transfer DateSep 28, 2020
Prior Transfer Doc0040080065
Record UpdatedOct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA ROSA FL
Recording DateSep 29, 2020
Property Address12460 HIGHWAY 89, JAY, FL 32565-9116
Document Number0040080065
Book / Page004008 / 000065
Instrument DateSep 28, 2020
Instrument49902
Transaction TypeTransfer
Record UpdatedOct 28, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address12460 HIGHWAY 89 JAY FL 325659116, JAY, FL 32565-9116

May 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA ROSA FL
Recording DateMay 22, 2020
Property Address12460 HIGHWAY 89, JAY, FL 32565-9116
Document Number0039540049
Book / Page003954 / 000049
Instrument DateMay 22, 2020
Instrument24468
Transaction TypeTransfer
Record UpdatedJul 20, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address12460 HIGHWAY 89 JAY FL 325659116, JAY, FL 32565-9116

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$104,801 (+2.9%)$138,904 (+3.58%) Land $10,400 Building $128,504
2024$834.00 (+2.84%) Homeowner's exemption$101,847 (+3%)$134,097 (+2.22%) Land $8,400 Building $125,697
2023$811.00 (+3.18%) Homeowner's exemption$98,881 (+3%)$131,188 (+7.67%) Land $7,200 Building $123,988
2022$786.00 Homeowner's exemption$96,001$121,845 Land $4,800 Building $117,045

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

Flood

FEMA maps place 12460 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims2 (2021)
Claims Outside the SFHA2 of 2
Most Recent ClaimJun 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 12460 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 RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemMOORE CREEK MOUNT CARMEL UTILITIES
serves 4,875 people · EPA ID FL1570479
Water SourceGroundwater
Last State InspectionApr 2025
Lead2 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

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

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