1941 Rube Smith Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 1941 Rube Smith Rd, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,414 sqft · built 2023
Lot Size	1.16 acres (50,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$254,000 (Apr 2024)
Tax Bill	$1,754 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jul 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`27-4N-29-0000-00361-0000`

Property Details

APN / Parcel Number

Primary APN	`27-4N-29-0000-00361-0000`
Alternative APN	`N294270000003610000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,414 sqft Living Area
Gross Area	1,901 sqft
1st Floor Area	1,414 sqft
Flooring	Wood

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	50,530 sqft (1.16 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Slab
Porch Area	67 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1941 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	DESCRIPTION UPDATE FOR 2024 SECTION 27 TOWNSHIP 4 NORTH RANGE 29 WEST LOT 49 COSTAS RIDGE: A PORT OF LAND DESC IN OR BK 2693 PG 1918 BEING MORE PARTIC DESC AS FOLL: COM AT NE COR OF SE4 OF SECTION 27 BEING A 1IRON PIPE STAMPED LB 5170 THN N 87*37
Legal Subdivision	COSTAS RIDGE
Legal Lot Number	49
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	1
Census Block	1009
Census Tract	10400

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	2 Individual Names on Record
Mailing Address	1941 RUBE SMITH RD, JAY, FL 32565-9614
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Warranty Deed, Transfer · FHA Mortgage INSPIRE HOME LOANS INC
Jul 6, 2022	Correction Deed ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2024 · Amount on Record
Deed Sale	Apr 2, 2024 · Amount on Record
Deed Document Number	202413987
Deed Book / Page	4488 / 1337
Prior Transfer Date	Jul 6, 2022
Prior Transfer Doc	0043021724
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 2, 2024
Property Address	1941 RUBE SMITH RD, JAY, FL 32565-9614
Document Number	0044881337
Book / Page	4488 / 1337
Map Reference	MB 2693 PG 1918
Instrument Date	Mar 28, 2024
Instrument	202413987
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	PARKWAY TITLE INC, PARKWAY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,778.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2325 LAKEVIEW PKWY STE 600, 600, ALPHARETTA, GA 30009-7941

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1941 RUBE SMITH RD, JAY, FL 32565-9614

Mortgage

Document Number	0202413988
Date	Apr 2, 2024
Instrument	202413988

Lender

Name	INSPIRE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

July 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 6, 2022
Property Address	1941 RUBE SMITH RD, JAY, FL 32565-9614
Document Number	0043021724
Book / Page	4302 / 1724
Instrument Date	Jul 6, 2022
Instrument	202239905
Record Updated	Mar 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5568 WOODBINE RD, PACE, FL 32571-8766

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3091 GOVERNORS LAKE DR STE 300, 300, PEACHTREE CORNERS, GA 30071-1133
Investor	Possibly a Property Investor

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	$1,754.00 (-29.25%) Homeowner's exemption Senior Citizen's exemption	$206,432 (-3%) Land $26,680 Building $179,752	$206,432 (-3%) Land $26,680 Building $179,752
2024	$2,479.00 (+987.28%)	$212,816 (+1,046.64%) Land $29,000 Building $183,816	$212,816 (+1,046.64%) Land $29,000 Building $183,816
2023	$228.00 (+39.88%)	$18,560 (+45.45%) Land $18,560	$18,560 (+45.45%) Land $18,560
2022	$163.00	$12,760	$12,760 Land $12,760

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
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	Hurricane Sally, Sep 2020 · 2 claims

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 63% of the US · lower than 60% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 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 (outdoors only) and 4G LTE

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