1923 Schnoor Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 1923 Schnoor Rd, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,033 sqft · built 1999
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$469,000 (Feb 2022)
Tax Bill	$3,593 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-3N-30-0000-00710-0000`

Property Details

APN / Parcel Number

Primary APN	`10-3N-30-0000-00710-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,033 sqft Heated Area
Gross Area	3,177 sqft
1st Floor Area	2,429 sqft
Flooring	Laminate Plank
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2009
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	130,680 sqft (3 acres)
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	338 sqft
Deck Area	1 sqft
Pole Barn	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	103N300000007100000
Street Address	1923 SCHNOOR RD
City	JAY
State	FL
Zip	32565-9782
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M1
Legal Description	DESCRIPTION UPDATE FOR 2022 COM AT NW COR OF SECTION 10 TOWNSHIP 3 NORTH RANGE 30 WEST THN N 88*23'50E 1537.98 FT THN
Legal Range	30W
Legal Township	03N
Legal Section	10
Legal Subdivision	WEST
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	4
Census Block	4016
Census Tract	10200

Owner

Source: Santa Rosa County records, as of October 27, 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
Co-owner	Co-owner on Record
Mailing Address	1923 SCHNOOR RD, JAY, FL 32565-9782
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Feb 25, 2022	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Oct 29, 2019	Deed of Trust, Mortgage · Conventional with PMI CENTRAL CU/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2022 · Amount on Record
Deed Sale	Feb 25, 2022 · Amount on Record
Prior Sale	Aug 8, 2017 · Amount on Record
Deed Document Number	202211445
Deed Book / Page	4250 / 1829
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1923 SCHNOOR RD, JAY, FL 32565-9782
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1923 SCHNOOR RD, JAY, FL 32565-9782

Mortgage

Document Number	0040951899
Date	Mar 31, 2021
Book Page	4095/1899
Instrument	202121053

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 25, 2022
Property Address	1923 SCHNOOR RD, JAY, FL 32565-9782
Document Number	0042501829
Book / Page	4250 / 1829
Instrument Date	Feb 23, 2022
Instrument	202211445
Transaction Type	Transfer
Record Updated	Apr 8, 2022
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,283.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5568 WOODBINE RD, 5568, JAY, FL 32565

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1923 SCHNOOR RD, JAY, FL 32565-9782

Mortgage

Document Number	0042501832
Date	Feb 25, 2022
Instrument	4250/1832

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1923 SCHNOOR RD, JAY, FL 32565-9782
Document Number	0038861763
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Jan 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1923 SCHNOOR RD JAY FL 325659782, JAY, FL 32565-9782

Mortgage

Document Number	0038861763
Date	Nov 4, 2019
Book Page	003886/001763
Instrument	49601

Lender

Name	CENTRAL CU/FL
Type	Credit Union
Address	PENSACOLA, FL 32522

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2049

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$3,593.00 (-9.08%) Homeowner's exemption	$339,519 (-7.17%) Land $71,250 Building $268,269	$339,519 (-7.17%) Land $71,250 Building $268,269
2023	$3,952.00 (+16%) Homeowner's exemption	$365,758 (+137.33%) Land $99,750 Building $266,008	$365,758 (+64.65%) Land $99,750 Building $266,008
2022	$1,520.00 Homeowner's exemption	$154,114	$222,149 Land $29,925 Building $192,224

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	High above 70% of the US · above 51% of Florida
Wildfire Likelihood	0.3% 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	CHUMUCKLA WATER SYSTEM, INC. private · serves 5,527 people · EPA ID FL1570140
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 14 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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