Santa Rosa County property record for 1923 Rube Smith Rd, Jay, FL 32565
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,781 sqft · built 2023 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Aug 2023) |
| Tax Bill | $2,394 (2024) |
| Deeds & Mortgages | Nov 2024 Mortgage Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-4N-29-0000-00362-0000 |
| Primary APN | 27-4N-29-0000-00362-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,781 sqft Living Area |
| Gross Area | 2,401 sqft |
| 1st Floor Area | 1,781 sqft |
| Flooring | Wood |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 47,916 sqft (1.1 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1923 RUBE SMITH RD |
|---|---|
| City | JAY |
| State | FL |
| Zip | 32565-9614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-RR |
| Legal Description | **DESC UPDATE FOR 2023** 27-4N-29W LOT 50, COSTAS RIDGE: A PORT OF LAND DESC IN OR BK 2693 PG 1918, TYING IN SECTION 27-4N-29 W AND 28-4N-29 W BEING MORE PARTIC DESC AS FOLL: COM AT NE COR OF SE4 OF 27-4N-29W, BEING A 1IRON PIPE STAMPED LB 5170; THN |
| Legal Subdivision | COSTAS RIDGE |
| Legal Lot Number | 50 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | ALLENTOWN |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 10400 |
Source: Santa Rosa County records · APN 27-4N-29-0000-00362-0000
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 | 1855 SUNDOWN DR, NAVARRE, FL 32566-8370 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Nov 27, 2024 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Aug 17, 2023 | Warranty Deed, Transfer · VA Mortgage SOUTHPOINT FINANCIAL SERVICES INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 17, 2023 · Amount on Record |
| Deed Sale | Aug 17, 2023 · Amount on Record |
| Deed Document Number | 202337583 |
| Deed Book / Page | 4426 / 128 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 1923 RUBE SMITH RD, JAY, FL 32565-9614 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1923 RUBE SMITH RD, JAY, FL 32565-9614 |
| Document Number | 0045660232 |
|---|---|
| Date | Nov 27, 2024 |
| Book Page | 4566/232 |
| Instrument | 202453433 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 17, 2023 |
| Property Address | 1923 RUBE SMITH RD, JAY, FL 32565-9614 |
| Document Number | 0044260128 |
| Book / Page | 4426 / 128 |
| Map Reference | MB 2693 PG 1918 |
| Instrument Date | Aug 17, 2023 |
| Instrument | 202337583 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3091 GOVERNORS LAKE DR # DR300, DR300, PEACHTREE CORNERS, GA 30071-1143 |
| Name | Verified Name |
|---|---|
| Address | 1855 SUNDOWN DR, NAVARRE, FL 32566-8370 |
| Document Number | 0004426131 |
|---|---|
| Date | Aug 17, 2023 |
| Instrument | 4426/131 |
| Name | SOUTHPOINT FINANCIAL SERVICES INC |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Document Number | 0044260150 |
|---|---|
| Date | Aug 17, 2023 |
| Book Page | 4426/150 |
| Instrument | 202337585 |
| Name | SOUTHPOINTE CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | ALPHARETTA, GA 30005 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $236,996 (-2.86%) Land $25,300 Building $211,696 | $236,996 (-2.86%) Land $25,300 Building $211,696 | |
| 2024 | $2,394.00 (+1,003.23%) Homeowner's exemption Disabled Person's exemption | $243,983 (+1,286.27%) Land $27,500 Building $216,483 | $243,983 (+1,286.27%) Land $27,500 Building $216,483 |
| 2023 | $217.00 (+4%) | $17,600 (+45.45%) Land $17,600 | $17,600 (+45.45%) Land $17,600 |
| 2022 | $155.00 | $12,100 | $12,100 Land $12,100 |
Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 4 (1998–2020) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
| Wildfire Risk | Moderate above 63% of the US · lower than 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
Based on FCC filings for 26 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MOORE CREEK MOUNT CARMEL UTILITIES serves 4,875 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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