1680 Watson Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 1680 Watson Rd, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,019 sqft · built 2000
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on Record
Tax Bill	$536 (2024)
Deeds & Mortgages	Dec 2025 Second Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-4N-30-0000-00109-0000`

Property Details

APN / Parcel Number

Primary APN	`34-4N-30-0000-00109-0000`
Alternative APN	`N304340000001090000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,019 sqft Living Area
Gross Area	1,771 sqft
1st Floor Area	1,019 sqft
Utility Area	276 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,996 sqft (1.01 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	476 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1680 WATSON RD
City	JAY
State	FL
Zip	32565-9553
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	COM NE SEC CORN THN N8942 10 W 285.98 FT TO POB THN S011 46E 210 FT THN N894210W 215.16 FT THN ON CURVD E R/W OF WATSON RD (R=1078.29 FT CB= N50533E) GO 211.06 FT THN S89*4210E 195.73 FT TO POB AS DES IN OR 1847 PG 1006 & IN OR 2755 PG 265 & INCL
Legal Range	30W
Legal Township	4N
Legal Section	34
Legal Subdivision	HOLLEY BY THE SEA
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	4
Census Block	4017
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	Individual Name on Record
Mailing Address	1680 WATSON RD, JAY, FL 32565-9553
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Feb 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 29, 2019	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 21, 2014
Transfer Doc	0034031719
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1680 WATSON RD, JAY, FL 32565-9553
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1680 WATSON RD, JAY, FL 32565-9553

Mortgage

Document Number	0046920083
Date	Dec 23, 2025
Book Page	4692/83
Instrument	202559730

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2036

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1680 WATSON RD, JAY, FL 32565-9553
Document Number	0039210619
Instrument Date	Feb 18, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1680 WATSON RD JAY FL 325659553, JAY, FL 32565-9553

Mortgage

Document Number	0039210619
Date	Feb 24, 2020
Book Page	003921/000619
Instrument	8537

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 23, 2035

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1680 WATSON RD, JAY, FL 32565-9553
Document Number	0038010630
Instrument Date	Jan 29, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2019
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1680 WATSON RD JAY FL 325659553, JAY, FL 32565-9553

Mortgage

Document Number	0038010630
Date	Feb 4, 2019
Book Page	003801/000630
Instrument	4186

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 3, 2034

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		$77,784 (+2.9%)	$144,969 (+7.62%) Land $14,140 Building $130,829
2024	$536.00 (+1.9%) Homeowner's exemption	$75,592 (+3%)	$134,706 (+1.04%) Land $16,160 Building $118,546
2023	$526.00 (+1.15%) Homeowner's exemption	$73,390 (+3%)	$133,323 (+4.71%) Land $16,160 Building $117,163
2022	$520.00 Homeowner's exemption	$71,252	$127,320 Land $16,160 Building $111,160

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	6 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · Hurricane Sally

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 65% of the US · above 43% 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 8 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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