1766 Narrow Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 1766 Narrow Rd, Jay, FL 32565 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,435 sqft · built 2008
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on File
Last Sale	$409,000 (May 2026)
Tax Bill	$2,381 (2024)
Deeds & Mortgages	May 2026 Sale & Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-3N-30-0000-00104-0000`

Property Details

APN / Parcel Number

Primary APN	`04-3N-30-0000-00104-0000`
Alternative APN	`N303040000001040000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,435 sqft Living Area
Gross Area	3,371 sqft
1st Floor Area	2,435 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2013
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	52,708 sqft (1.21 acres)
Lot Dimensions	319 ft deep x 165 ft wide
Garage Type	Carport
Garage Area	720 sqft
Carport	Carport
Carport Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	216 sqft
Shed	1 Shed
Shed Area	2 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1766 NARROW RD
City	JAY
State	FL
Zip	32565-7329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESCRIPTION UPDATED FOR 2021 COM AT SE CORN SECTION 4 TOWNSHIP 3 NORTH RANGE 30 WEST THN N045'36E 50 FT TO N R/W NARROW RD THN N8926'13W 321.41 FT TO POB THN CONT W ON R/W 165.31 FT THN N033'47E 379.15 FT TO W R/W OF JUNIPER CEMETARY RD THN S53
Legal Range	30W
Legal Township	3N
Legal Section	04
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	4
Census Block	4022
Census Tract	10200

Owner

Source: Santa Rosa County records · APN 04-3N-30-0000-00104-0000

Assessment roll updated December 8, 2025 · Last verified June 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 File
Mailing Address	1766 NARROW RD, JAY, FL 32565-7329
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 01, 2026	Warranty Deed, Transfer · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jul 13, 2018	Deed of Trust, Mortgage · VA Mortgage PRIME CHOICE FUNDING INC
Nov 12, 2020	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 01, 2026 · Amount on Record
Deed Sale	May 01, 2026 · Amount on Record
Prior Sale	Nov 12, 2020 · Amount on Record
Deed Document Number	202622095
Deed Book / Page	4739 / 941
Prior Transfer Date	Feb 15, 2007
Prior Transfer Doc	0000007647
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 01, 2026
Property Address	1766 NARROW RD, JAY, FL 32565-7329
Document Number	0000022095
Book / Page	4739 / 941
Instrument Date	Apr 24, 2026
Instrument	2026.22095
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$289,163.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1766 NARROW RD, JAY, FL 32565-7329
Investor	Possibly a Property Investor

Mortgage

Document Number	0000022096,
Date	May 01, 2026
Instrument	2026..22096

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1766 NARROW RD, JAY, FL 32565-7329
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037471517
Date	Jul 13, 2018
Book Page	3747/1517
Instrument	201829900

Lender

Name	PRIME CHOICE FUNDING INC
Type	Non-Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2048

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 12, 2020
Property Address	1766 NARROW RD, JAY, FL 32565-7329
Document Number	0040280336
Book / Page	4028 / 336
Instrument Date	Nov 10, 2020
Instrument	202060065
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1766 NARROW RD, 1766, JAY, FL 32565-7329

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1766 NARROW RD, JAY, FL 32565-7329

Mortgage

Document Number	0004028338
Date	Nov 12, 2020
Instrument	4028/338

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$239,749 (+2.9%)	$295,092 (+2.44%) Land $22,990 Building $272,102
2024	$2,381.00 (+1.84%) Homeowner's exemption	$232,992 (+3%)	$288,071 (+3%) Land $20,570 Building $267,501
2023	$2,338.00 (+2.32%) Homeowner's exemption	$226,206 (+3%)	$279,676 (+1.49%) Land $14,520 Building $265,156
2022	$2,285.00 Homeowner's exemption	$219,617	$275,582 Land $12,705 Building $262,877

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130102004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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, tidal / storm surge, Hurricane Sally

Wildfire

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	About 1 in 375 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 20 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Conexon Connect	Fiber	2,000 / 2,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Narrow Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures