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2009 Rube Smith Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 2009 Rube Smith Rd, Jay, FL 32565

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,781 sqft · built 2023
Lot Size1 acres (43,560 sqft)
OwnerIndividual Name on File
Last Sale$283,000 (Oct 2023)
Tax Bill$2,381 (2024)
Deeds & MortgagesFeb 2026 Mortgage
Oct 2023 Sale
Flood ZoneZone X (minimal risk)
APN27-4N-29-0000-00356-0000

Property Details

APN / Parcel Number

Primary APN27-4N-29-0000-00356-0000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,781 sqft Heated Area
1st Floor Area2,181 sqft
FlooringLaminate Plank
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2023
Exterior MaterialVinyl
Foundation TypeSlab (Mat/Raft)
Roof MaterialShingle
Lot Area43,560 sqft (1 acres)
Lot Dimensions3,500 ft deep x 1,250 ft wide

Exterior Amenities

PorchOpen Porch
Porch Area140 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number274N290000003560000
Street Address2009 RUBE SMITH RD
CityJAY
StateFL
Zip32565-9255
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-RR
Legal Description*DESCRIPTION UPDATE FOR 2024** 27-4N-29W LOT 20, COSTAS RIDGE: A PORT OF LAND DESC IN OR BK 2693 PG 1918, BEING MORE PARTIC
Legal Lot Number20
JurisdictionSANTA ROSA FL
Township / Civil DivisionALLENTOWN
Census Block Group1
Census Block1008
Census Tract10400

Owner

Source: Santa Rosa County records · APN 27-4N-29-0000-00356-0000

Assessment roll updated July 1, 2024 · Last verified November 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2009 RUBE SMITH RD, JAY, FL 32565-9255
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 06, 2026Deed of Trust, Mortgage
POINT DIGITAL FINANCE INC
Oct 27, 2023Warranty Deed, Transfer
PARKWAY TITLE INC, PARKWAY TITLE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 27, 2023 · Amount on Record
Deed SaleOct 27, 2023 · Amount on Record
Deed Document Number202348606
Deed Book / Page4446 / 540
Record UpdatedJun 08, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address2009 RUBE SMITH RD, JAY, FL 32565-9255
Transaction TypeMortgage
Record UpdatedMar 27, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address2009 RUBE SMITH RD, JAY, FL 32565-9255

Mortgage

Document Number0047060998
DateFeb 06, 2026
Book Page4706/998
Instrument202606162
Lender
NamePOINT DIGITAL FINANCE INC
TypeMortgage Company
AddressPALO ALTO, CA 94302
Agreement
AmountAmount Recorded
Term360 Months
DueJan 31, 2056

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateOct 27, 2023
Property Address2009 RUBE SMITH RD, JAY, FL 32565-9255
Document Number0044460540
Book / Page4446 / 540
Instrument DateOct 26, 2023
Instrument202348606
Transaction TypeTransfer
Record UpdatedMar 27, 2026
Title CompanyPARKWAY TITLE INC, PARKWAY TITLE LLC

Transaction

AmountAmount Recorded
Tax$1,981.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3091 GOVERNORS LAKE DR, PEACHTREE CORNERS, GA 30071-1143

Transferred To (Grantee/Buyer)

NameVerified Name
Address2009 RUBE SMITH RD, JAY, FL 32565-9255

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2024$2,381.00 (+1,096.48%) Homeowner's exemption$237,856 (+1,386.6%) Land $25,000 Building $212,856$237,856 (+1,386.6%) Land $25,000 Building $212,856
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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130104001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 16 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies16 in force
Nearby Flood Claims4 (1998–2020)
Claims Outside the SFHA4 of 4
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Hurricane Sally, Sep 2020 · 2 claims

Wildfire

Wildfire RiskModerate
above 67% of the US · above 45% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 12 locations within half a mile · Last verified October 2026

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

Cell Coverage

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

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