1851 J Lowery Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 1851 J Lowery Rd, Jay, FL 32565

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,768 sqft · built 2007
Lot Size	3.1 acres (135,036 sqft)
Owner	Individual Name on Record
Last Sale	$79,700 (Mar 2017)
Tax Bill	$544 (2025)
Deeds & Mortgages	Mar 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-4N-30-0000-00509-0000`

Property Details

APN / Parcel Number

Primary APN	`03-4N-30-0000-00509-0000`
Alternative APN	`N304030000005090000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,768 sqft Living Area
1st Floor Area	1,768 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	135,036 sqft (3.1 acres)
Lot Dimensions	500 ft deep x 268 ft wide
View / Lot	Mobile Home
Porch	Slab
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1851 J LOWERY RD
City	JAY
State	FL
Zip	32565-9658
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	AG-RR
Legal Description	DESC IN MORE DETAIL FOR 2017 COMMENCE AT THE NORTHWEST CORNER OF SECTION 3, TOWNSHIP 4 NORTH, RANGE 30 WEST, SANTA ROSA COUNTY, FLORIDA; THENCE NORTH 891153 EAST 536.46 FEET TO THE POINT OF BEGINNING; THENCE SOUTH 00435 WEST 662.66 FEET; THENCE NOR
Legal Range	30W
Legal Township	4N
Legal Section	03
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	3
Census Block	3020
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	Individual Name on Record
Mailing Address	1851 J LOWERY RD, JAY, FL 32565-9658
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2017 · Amount on Record
Deed Sale	Mar 31, 2017 · Amount on Record
Prior Sale	May 3, 2000 · Amount on Record
Deed Document Number	201712499
Deed Book / Page	3611 / 182
Prior Transfer Date	May 3, 2012
Prior Transfer Doc	0031360577
Record Updated	Jun 8, 2026

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 31, 2017
Property Address	1851 J LOWERY RD, JAY, FL 32565-9658
Document Number	0036110182
Book / Page	003611 / 000182
Instrument Date	Mar 31, 2017
Instrument	12499
Transaction Type	Transfer
Record Updated	Apr 5, 2017
Title Company	WEST FLORIDA TITLE, WEST FLORIDA TITLE CO/MILTON

Transaction

Amount	Amount Recorded
Tax	$558.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1851 J LOWERY RD JAY FL 325659658, JAY, FL 32565-9658

Mortgage

Document Number	36110183
Date	Mar 31, 2017
Book Page	003611/000183
Instrument	12500

Lender

Name	ECCO CU
Type	Credit Union
Address	PACE, FL 32571

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 30, 2027

Interest

Rate Type	Adjustable Rate
Rate	5.5%

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	$544.00 (+8.15%) Homeowner's exemption	$72,178 (+2.9%)	$122,018 (+10.46%) Land $37,200 Building $84,818
2024	$503.00 (+1.21%) Homeowner's exemption	$70,144 (+3%)	$110,460 (+4.26%) Land $27,900 Building $82,560
2023	$497.00 (+1.22%) Homeowner's exemption	$68,101 (+3%)	$105,942 (+11.42%) Land $27,900 Building $78,042
2022	$491.00 Homeowner's exemption	$66,117	$95,083 Land $27,900 Building $67,183

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	4 in force
Nearby Flood Claims	2 (2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2021 · rainfall accumulation

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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 11 locations within half a mile, as of December 31, 2025

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