1967 Rube Smith Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 1967 Rube Smith Rd, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,781 sqft · built 2023
Lot Size	1.14 acres (49,658 sqft)
Owner	2 Company Names on Record
Last Sale	$305,000 (Apr 2026)
Tax Bill	$2,445 (2024)
Deeds & Mortgages	Apr 2026 Sale Oct 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-4N-29-0000-00359-0000`

Property Details

APN / Parcel Number

Primary APN	`27-4N-29-0000-00359-0000`
Alternative APN	`N294270000003590000`

Interior

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

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	49,658 sqft (1.14 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch
Porch Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1967 RUBE SMITH RD
City	JAY
State	FL
Zip	32565-9253
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	UPDATED 2024 27-4N-29W LOT 23, COSTAS RIDGE: COM AT NW COR OF NW4 OF SEC, THN S0222'37W 38.49 FT ALNG W LN TO SLY R/W LINE OF HWY 178, THN S8706'04E 2655.18FT ALNG R/W TO WLY R/W OF RUBE SMITH RD, THN ALONG R/W FOLL FOUR COURSES AND DISTANCES:
Legal Subdivision	COSTAS RIDGE
Legal Lot Number	23
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	1
Census Block	1008
Census Tract	10400

Owner

Source: Santa Rosa County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	2804 UNIVERSITY BLVD, HOUSTON, TX 77005-3450
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Warranty Deed, Transfer SUN REALTY TITLE, SUNBELT TITLE
Oct 28, 2024	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Dec 4, 2023	Warranty Deed, Transfer · VA Mortgage INSPIRE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2026 · Amount on Record
Deed Sale	Apr 28, 2026 · Amount on Record
Prior Sale	Dec 4, 2023 · Amount on Record
Deed Document Number	202621009
Deed Book / Page	4737 / 313
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 28, 2026
Property Address	1967 RUBE SMITH RD, JAY, FL 32565-9253
Document Number	0000021009
Book / Page	4737 / 313
Instrument Date	Apr 24, 2026
Instrument	2026.21009
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	SUN REALTY TITLE, SUNBELT TITLE

Transaction

Amount	Amount Recorded
Tax	$215,635.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2804 UNIVERSITY BLVD, HOUSTON, TX 77005-3450

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	1967 RUBE SMITH RD, JAY, FL 32565-9253
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1967 RUBE SMITH RD, JAY, FL 32565-9253

Mortgage

Document Number	0045560523
Date	Oct 28, 2024
Book Page	4556/523
Instrument	202448735

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 4, 2023
Property Address	1967 RUBE SMITH RD, JAY, FL 32565-9253
Document Number	0044551351
Book / Page	4455 / 1351
Map Reference	MB 2693 PG 1918
Instrument Date	Nov 30, 2023
Instrument	202353671
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	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3091 GOVERNORS LAKE DR # DR300, DR300, PEACHTREE CORNERS, GA 30071-1143

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1967 RUBE SMITH RD, JAY, FL 32565-9253

Mortgage

Document Number	0044551353
Date	Dec 4, 2023
Instrument	4455/1353

Lender

Name	INSPIRE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

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		$236,415 (-2.89%) Land $26,220 Building $210,195	$236,415 (-2.89%) Land $26,220 Building $210,195
2024	$2,445.00 (+991.52%) Homeowner's exemption	$243,448 (+1,234.69%) Land $28,500 Building $214,948	$243,448 (+1,234.69%) Land $28,500 Building $214,948
2023	$224.00 (+4%)	$18,240 (+45.45%) Land $18,240	$18,240 (+45.45%) Land $18,240
2022	$160.00	$12,540	$12,540 Land $12,540

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 67% of the US · above 45% 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 12 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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