13399 Hwy 89, Jay, FL 32565 Property Records

Santa Rosa County property record for 13399 Hwy 89, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,017 sqft · built 1961
Lot Size	1.16 acres (50,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (Dec 2022)
Tax Bill	$1,667 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Dec 2022 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`31-5N-29-0000-00907-0000`

Property Details

APN / Parcel Number

Primary APN	`31-5N-29-0000-00907-0000`
Alternative APN	`N295310000009070000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,017 sqft Living Area
Gross Area	2,925 sqft
1st Floor Area	2,017 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Concrete Block
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	50,530 sqft (1.16 acres)
Garage Type	Carport
Garage Area	338 sqft
Carport	Carport
Carport Area	338 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	102 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	13399 HIGHWAY 89
City	JAY
State	FL
Zip	32565-2861
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	COM AT NE SEC CORN THN N891426 W 1199.43 FT TO CURVED WLY R/W LI OF SR#89 THN RUN SWLY ALGN R/W 64.90 FT TO AN I/S WITH TH SLY R/W LI OF GODWIN RD TO POB HAVING (R=11349.55 FT CHB=S19 3619W) THN CONT SWLY ALNG SAID R/W 298 FT (R=11349.55 FT CHB=S20
Legal Range	29W
Legal Township	5N
Legal Section	31
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	1
Census Block	1065
Census Tract	10200

Owner

Source: Santa Rosa County records, as of April 28, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	6000 HIGHWAY 4, JAY, FL 32565-2210
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Warranty Deed, Transfer · Seller Carry-Back LOWERY LIVING TRUST
Dec 29, 2022	Deed in Lieu of Foreclosure, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2022 · Amount on Record
Deed Sale	Dec 29, 2022 · Amount on Record
Prior Sale	Dec 29, 2022
Deed Document Number	202270291
Deed Book / Page	4355 / 2018
Prior Transfer Date	Jun 24, 2022
Prior Transfer Doc	0043552015
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 29, 2022
Property Address	13399 HIGHWAY 89, JAY, FL 32565-2861
Document Number	0043552018
Book / Page	4355 / 2018
Instrument Date	Jun 24, 2022
Instrument	202270291
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6000 HIGHWAY 4, JAY, FL 32565-2210

Mortgage

Document Number	0043552021
Date	Dec 29, 2022
Instrument	4355/2021

Lender

Name	LOWERY LIVING TRUST
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded

December 2022: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 29, 2022
Property Address	13399 HIGHWAY 89, JAY, FL 32565-2861
Document Number	0043552015
Book / Page	4355 / 2015
Instrument Date	Jun 24, 2022
Instrument	202270290
Transaction Type	Foreclosure
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6000 HIGHWAY 4, JAY, FL 32565-2210

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 385, GONZALEZ, FL 32560-0385

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	$1,667.00 (+9.24%)	$127,953 (+6.93%) Land $14,300 Building $113,653	$127,953 (+6.93%) Land $14,300 Building $113,653
2024	$1,526.00 (+0.26%)	$119,655 (+1.94%) Land $11,000 Building $108,655	$119,655 (+1.94%) Land $11,000 Building $108,655
2023	$1,522.00 (+15.13%)	$117,383 (+18.48%) Land $9,900 Building $107,483	$117,383 (+18.48%) Land $9,900 Building $107,483
2022	$1,322.00	$99,074	$99,074 Land $6,600 Building $92,474

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	2 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2025 · river or lake flooding

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 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% 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 39 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

May also be available: Spectrum.

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