Santa Rosa County property record for 1995 Rube Smith Rd, Jay, FL 32565
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,414 sqft · built 2023 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $248,000 (Jan 2024) |
| Tax Bill | $2,501 (2024) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-4N-29-0000-00357-0000 |
| Primary APN | 27-4N-29-0000-00357-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,414 sqft Heated Area |
| 1st Floor Area | 1,834 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 3,500 ft deep x 1,250 ft wide |
| Porch | Open Porch |
| Porch Area | 67 sqft |
| Patio Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 274N290000003570000 |
|---|---|
| Street Address | 1995 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 | *DESCRIPTION UPDATE FOR 2024* SECTION 27 TWNSHP 4N RANGE 29W LOT 21, COSTAS RIDGE: A PORT OF LAND DESC IN OR BK 2693 PG 1918, |
| Legal Lot Number | 21 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | ALLENTOWN |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 10400 |
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 | 1995 RUBE SMITH RD, JAY, FL 32565-9253 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 4, 2024 · Amount on Record |
| Deed Sale | Jan 4, 2024 · Amount on Record |
| Deed Document Number | 202400454 |
| Deed Book / Page | 4463 / 1606 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 4, 2024 |
| Property Address | 1995 RUBE SMITH RD, JAY, FL 32565-9253 |
| Document Number | 0044631606 |
| Book / Page | 4463 / 1606 |
| Map Reference | MB 2693 PG 1918 |
| Instrument Date | Dec 26, 2023 |
| Instrument | 202400454 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | PARKWAY TITLE INC, PARKWAY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,736.00 |
| 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 | 1995 RUBE SMITH RD, JAY, FL 32565-9253 |
| Document Number | 0044631609 |
|---|---|
| Date | Jan 4, 2024 |
| Instrument | 4463/1609 |
| Name | INSPIRE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2054 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $2,501.00 (+1,156.78%) | $210,232 (+1,213.95%) Land $25,000 Building $185,232 | $210,232 (+1,213.95%) Land $25,000 Building $185,232 |
| 2023 | $199.00 (+40.14%) | $16,000 (+45.45%) Land $16,000 | $16,000 (+45.45%) Land $16,000 |
| 2022 | $142.00 | $11,000 | $11,000 Land $11,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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: 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.
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 |
4G LTE (outdoors only), no 5G reported
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