15073 Hwy 89, Jay, FL 32565 Property Records

Santa Rosa County property record for 15073 Hwy 89, Jay, FL 32565

Property Summary

Property Type	Horticulture, Ornamental (Agricultural)
Details	3 bd · 2 ba · 4,505 sqft · built 1994
Lot Size	15.6 acres (681,017 sqft)
Owner	2 Individual Names on Record
Last Sale	$233,000 (Aug 2013)
Tax Bill	$2,070 (2024)
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-6N-29-0000-00101-0000`

Property Details

APN / Parcel Number

Primary APN	`27-6N-29-0000-00101-0000`
Alternative APN	`N296270000001010000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	4,505 sqft Gross Area
1st Floor Area	1,991 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	681,017 sqft (15.6 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	7 Parking Spaces
Porch	Florida Room
Porch Area	808 sqft
Greenhouse	2 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	15073 HIGHWAY 89
City	JAY
State	FL
Zip	32565-2109
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Horticulture, Ornamental (Agricultural)
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATE FOR 2022 COM AT SE COR OF SEC 27 T6N R29W THN N133030E ON E SEC LN 661.20 FT THN S890059W 1073.57 FT TO E R/W OF SR #89 THN CONT 113.19 FT TO W R/W FOR POB THN CONT 589.12 FT TO CENTER OF MT CARMEL SPRING BRANCH THN MEANDER NLY
Legal Range	29W
Legal Township	6N
Legal Section	27
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	1
Census Block	1000
Census Tract	10200

Owner

Source: Santa Rosa County records, as of December 8, 2025

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	15073 HIGHWAY 89, JAY, FL 32565-2109
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2013 · Amount on Record
Deed Sale	Aug 1, 2013 · Amount on Record
Prior Sale	Aug 27, 2008 · Amount on Record
Deed Document Number	201343646
Deed Book / Page	3273 / 2091
Last Transfer Date	Mar 14, 2022
Transfer Doc	0042600858
Record Updated	Jun 8, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 21, 2022
Property Address	15073 HIGHWAY 89, JAY, FL 32565-2109
Document Number	0042600858
Book / Page	4260 / 858
Instrument Date	Mar 14, 2022
Instrument	202216454
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15073 HIGHWAY 89, JAY, FL 32565-2109

Mortgage

Document Number	0004260862
Date	Mar 21, 2022
Instrument	4260/862

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

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		$214,876 (+4.46%)	$356,497 (+4.18%) Land $89,816 Building $266,681
2024	$2,070.00 (+1.87%) Homeowner's exemption	$205,692 (+3%)	$342,208 (-2.16%) Land $87,941 Building $254,267
2023	$2,032.00 (+2.42%) Homeowner's exemption	$199,701 (+3%)	$349,769 (+19.31%) Land $98,325 Building $251,444
2022	$1,984.00 Homeowner's exemption	$193,884	$293,170 Land $52,440 Building $240,730

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 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.1% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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