Santa Rosa County property record for 13148 Hwy 89, Jay, FL 32565
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,635 sqft · built 2022 |
| Lot Size | 1.12 acres (48,787 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,000 (Oct 2024) |
| Tax Bill | $2,416 (2024) |
| Deeds & Mortgages | Mar 2023 Mortgage Mar 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-5N-29-0000-02201-0000 |
| Primary APN | 31-5N-29-0000-02201-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,635 sqft Heated Area |
| Gross Area | 2,264 sqft |
| 1st Floor Area | 2,034 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 48,787 sqft (1.12 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 315N290000022010000 |
|---|---|
| Street Address | 13148 HIGHWAY 89 |
| City | JAY |
| State | FL |
| Zip | 32565-9174 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-RR |
| Legal Description | *DESCRIPTION UPDATED FOR 2023* BEGIN AT THE INTERSECTION OF THE SOUTHWESTERLY RIGHT OF WAY LINE OF STATE ROAD 89 (R/W |
| Legal Range | 29W |
| Legal Township | 05N |
| Legal Section | 31 |
| Legal Subdivision | (R/W VARIES) AND THE WEST |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | JAY |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 10200 |
13148 Hwy 89 is owned and occupied by an individual who bought it in October 2024.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 13148 HIGHWAY 89, JAY, FL 32565-9174 |
| 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.
| Date | Document |
|---|---|
| Mar 28, 2023 | Deed of Trust, Mortgage · Stand-Alone First Mortgage SANTA ROSA COUNTY FCU |
| Mar 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Mar 16, 2022 | Warranty Deed, Transfer CLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 2024 · Amount on File |
| Deed Sale | Oct 28, 2024 · Amount on File |
| Prior Sale | Mar 28, 2023 · Amount on File |
| Deed Document Number | 202448589 |
| Deed Book / Page | 4555 / 2090 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 13148 HIGHWAY 89, JAY, FL 32565-9174 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0043790228 |
|---|---|
| Date | Mar 28, 2023 |
| Book Page | 4379/228 |
| Instrument | 202312807 |
| Name | SANTA ROSA COUNTY FCU |
|---|---|
| Type | Credit Union |
| Address | MILTON, FL 32583 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 28, 2023 |
| Property Address | 13148 HIGHWAY 89, JAY, FL 32565-9174 |
| Document Number | 0043790212 |
| Book / Page | 4379 / 212 |
| Instrument Date | Mar 24, 2023 |
| Instrument | 202312805 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2024 |
| Title Company | CLEAR TTL OF NORTHWEST FL LL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,841.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4941 HORACE LUNSFORD RD, MILTON, FL 32570-8500 |
| Name | Verified Name |
|---|---|
| Address | 13148 HIGHWAY 89, JAY, FL 32565-9174 |
| Document Number | 0043790214 |
|---|---|
| Date | Mar 28, 2023 |
| Book Page | 4379/214 |
| Instrument | 202312806 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 16, 2022 |
| Property Address | 13148 HIGHWAY 89, JAY, FL 32565-9174 |
| Document Number | 0042590098 |
| Book / Page | 4259 / 98 |
| Instrument Date | Mar 11, 2022 |
| Instrument | 202215628 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2024 |
| Title Company | CLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL |
| Amount | Amount on Record |
|---|---|
| Tax | $105.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 333 RIVER BLUFF DR, CAMDEN, AL 36726-3143 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 3793, MILTON, FL 32572-3793 |
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 | $2,416.00 (+0.62%) | $202,732 (+2.29%) Land $11,270 Building $191,462 | $202,732 (+2.29%) Land $11,270 Building $191,462 |
| 2023 | $2,401.00 (+1,032.55%) | $198,186 (+2,161.36%) Land $10,143 Building $188,043 | $198,186 (+2,161.36%) Land $10,143 Building $188,043 |
| 2022 | $212.00 | $8,764 | $8,764 Land $6,762 Building $2,002 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 13148 Hwy 89 in Zone X, an area of minimal flood risk.
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 risk around 13148 Hwy 89 is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 15 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 |
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