13451 Hwy 89, Jay, FL 32565 Property Records

Santa Rosa County property record for 13451 Hwy 89, Jay, FL 32565

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,380 sqft · built 1989
Lot Size	20.7 acres (902,128 sqft)
Owner	Individual Name on Record
Last Sale	$217,450 (Dec 2025)
Tax Bill	$1,199 (2024)
Deeds & Mortgages	Dec 2025 Sale Jul 2025 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`22-5N-29-0000-03100-0000`

Property Details

APN / Parcel Number

Primary APN	`22-5N-29-0000-03100-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,380 sqft Heated Area
Gross Area	2,220 sqft
1st Floor Area	1,632 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2004
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Roof Material	Metal
Lot Area	902,128 sqft (20.7 acres)
Porch	Porch
Porch Area	200 sqft
Canopy	840 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	225N290000031000000
Street Address	13451 HIGHWAY 89
City	JAY
State	FL
Zip	32565-9131
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	AG-RR
Legal Description	SE4 OF THE SE4 OF SECTION 22 TOWNSHP 5 NORTH RANGE 29 WEST LESS 5 AC SE CORN RUN 220 YDS E TO W & 110 YDS N TO S & LESS BEG
Legal Range	29W
Legal Township	05N
Legal Section	22
Legal Subdivision	WEST
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	1
Census Block	1063
Census Tract	10200

Owner

Source: Santa Rosa County records, as of January 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	13673 HIGHWAY 89, JAY, FL 32565-2865
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Warranty Deed, Transfer OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATL TITLE AGENCY LLC
Jul 22, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 20, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 10, 2017	Deed of Trust, Mortgage · Line of Credit UNITED BANK
Sep 4, 2019	Warranty Deed, Transfer CLEAR TITLE/NW FL LLC
Dec 6, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2025 · Amount on Record
Deed Sale	Dec 29, 2025 · Amount on Record
Prior Sale	Jul 22, 2025 · Amount on Record
Deed Document Number	202559995
Deed Book / Page	4692 / 1291
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 29, 2025
Property Address	13451 HIGHWAY 89, JAY, FL 32565-9131
Document Number	0046921291
Book / Page	4692 / 1291
Instrument Date	Dec 22, 2025
Instrument	202559995
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATL TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$1,522.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 828, JAY, FL 32565-0828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13673 HIGHWAY 89, JAY, FL 32565-2865

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 22, 2025
Property Address	13451 HIGHWAY 89, JAY, FL 32565-9131
Document Number	0046391563
Book / Page	4639 / 1563
Instrument Date	Jul 21, 2025
Instrument	202533464
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$385.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 828, JAY, FL 32565-0828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	917 TWINBROOK AVE, PENSACOLA, FL 32505-2029

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 20, 2025
Property Address	13451 HIGHWAY 89, JAY, FL 32565-9131
Document Number	0046290583
Book / Page	4629 / 583
Instrument Date	Jun 18, 2025
Instrument	202528234
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 828, JAY, FL 32565-0828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4377 SPRING ST, JAY, FL 32565-2774

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	13451 HIGHWAY 89, JAY, FL 32565-9131
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036051589
Date	Mar 10, 2017
Book Page	3605/1589
Instrument	201709511

Lender

Name	UNITED BANK
Type	Bank
Address	ATMORE, AL 36502

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 9, 2037

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 4, 2019
Property Address	13451 HIGHWAY 89, JAY, FL 32565-9131
Document Number	0038660896
Book / Page	003866 / 000896
Instrument Date	Aug 30, 2019
Instrument	39245
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	CLEAR TITLE/NW FL LLC

Transaction

Amount	Amount Recorded
Tax	$315.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13451 HIGHWAY 89 JAY FL 325659131, JAY, FL 32565-9131

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 6, 2017
Property Address	13451 HIGHWAY 89, JAY, FL 32565-9131
Document Number	0036841040
Book / Page	003684 / 001040
Instrument Date	Dec 5, 2017
Instrument	50247
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$48.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	207 SPRING ST JAY FL 32565, JAY, FL 32565

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$1,199.00 (+6.11%)	$109,480 (+7.52%) Land $37,413 Building $72,067	$217,513 (+9.49%) Land $37,413 Building $180,100
2023	$1,130.00 (+13.8%)	$101,824 (+23.75%) Land $33,698 Building $68,126	$198,657 (+36.52%) Land $33,698 Building $164,959
2022	$993.00	$82,279 Land $23,786 Building $58,493	$145,514

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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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