12725 Scenic Lake Dr, Jay, FL 32565 Property Records

Santa Rosa County property record for 12725 Scenic Lake Dr, Jay, FL 32565

Property Summary

Property Type	Agricultural Vacant Land
Details	4 bd · 3.5 ba · 7,736 sqft · built 1990
Lot Size	26 acres (1,132,560 sqft)
Owner	2 Company Names on Record
Tax Bill	$3,590 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-5N-29-0000-01702-0000`

Property Details

APN / Parcel Number

Primary APN	`34-5N-29-0000-01702-0000`
Alternative APN	`N295340000017020000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	7,736 sqft Gross Area
1st Floor Area	3,215 sqft
Upper Floors Area	1,339 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	1,132,560 sqft (26 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	2,652 sqft
Deck Area	324 sqft
Patio Area	290 sqft
Shed	1 Shed
Shed Area	1,040 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12725 SCENIC LAKE DR
City	JAY
State	FL
Zip	32565-9107
Property Category	Agriculture or Farming
Property Type	Vacant Land > Agricultural
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATE FOR 2023 PARCEL 1 TH N 1/2 OF THE NW4 OF SE4 & N 1/2 OF NW4 OF SE4 & E 372 FT OF N 1/2 OF NE4 OF SW 4 & AN ESMNT LESS BEG AT 372 FT W OF NE CORN OF NE4 OF SW4 THN S 660 FT THN E 198 FT THN NELY 726 FT TO PT E OF POB THN W ON N LN
Legal Range	29W
Legal Township	5N
Legal Section	34
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	2
Census Block	2034
Census Tract	10200

Owner

Source: Santa Rosa County records, as of June 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	12725 SCENIC LAKE DR, JAY, FL 32565-9107
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Affidavit of Death of Trustee, Transfer · Conventional Mortgage HOMETAP EQUITY PARTNERS LLC
Apr 17, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 4, 2023
Transfer Doc	0043851208
Record Updated	Sep 20, 2026

May 2026: Affidavit of Death of Trustee, Transfer

Document Type	Affidavit of Death of Trustee
Jurisdiction	SANTA ROSA FL
Recording Date	May 26, 2026
Property Address	12725 SCENIC LAKE DR, JAY, FL 32565-9107
Document Number	0000026148
Book / Page	4747 / 1346
Instrument Date	May 26, 2026
Instrument	202626148
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12725 SCENIC LAKE DR, JAY, FL 32565-9107

Mortgage

Document Number	0047471353,
Date	May 26, 2026
Book Page	4747/1353
Instrument	2026150

Lender

Name	HOMETAP EQUITY PARTNERS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 19, 2036

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 17, 2023
Property Address	12725 SCENIC LAKE DR, JAY, FL 32565-9107
Document Number	0043851208
Book / Page	4385 / 1208
Instrument Date	Apr 7, 2023
Instrument	202316199
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12725 SCENIC LAKE DR, JAY, FL 32565-9107

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12725 SCENIC LAKE DR, JAY, FL 32565-9107

Mortgage

Document Number	0043851212
Date	Apr 17, 2023
Instrument	4385/1212

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

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	$3,590.00 (+5.99%) Homeowner's exemption	$323,092 (+3.65%)	$617,778 (+10.77%) Land $213,200 Building $404,578
2024	$3,387.00 (+3.01%) Homeowner's exemption	$311,728 (+3.57%)	$557,724 (+4.41%) Land $24,320 Building $533,404
2023	$3,288.00 (+2.27%) Homeowner's exemption	$300,976 (+2.62%)	$534,191 (+11.23%) Land $22,320 Building $511,871
2022	$3,215.00 Homeowner's exemption	$293,296	$480,239

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

Flood

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	1 in force

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

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 7 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

Cell Coverage

5G and 4G LTE (outdoors only)

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