2079 Rube Smith Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 2079 Rube Smith Rd, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,620 sqft · built 2023
Lot Size	1.8 acres (78,408 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Dec 2023)
Tax Bill	$2,429 (2024)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-4N-29-0000-00423-0000`

Property Details

APN / Parcel Number

Primary APN	`27-4N-29-0000-00423-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,620 sqft Heated Area
1st Floor Area	2,020 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	78,408 sqft (1.8 acres)
Lot Dimensions	4,480 ft deep x 1,750 ft wide
Porch	Open Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	274N290000004230000
Street Address	2079 RUBE SMITH RD
City	JAY
State	FL
Zip	32565-9255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATE FOR 2024 27-4N-29W LOT 15, COSTAS RIDGE: A PORT OF LAND DESC IN OR BK 2693 PG 1918, BEING MORE PARTIC
Legal Lot Number	15
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 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	2079 RUBE SMITH RD, JAY, FL 32565-9255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2023 · Amount on Record
Deed Sale	Dec 4, 2023 · Amount on Record
Deed Document Number	202353640
Deed Book / Page	4455 / 1244
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 4, 2023
Property Address	2079 RUBE SMITH RD, JAY, FL 32565-9255
Document Number	0044551244
Book / Page	4455 / 1244
Map Reference	MB 2693 PG 1918
Instrument Date	Nov 27, 2023
Instrument	202353640
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	$1,890.00
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	2079 RUBE SMITH RD, JAY, FL 32565-9255

Mortgage

Document Number	0044551247
Date	Dec 4, 2023
Instrument	4455/1247

Lender

Name	INSPIRE HOME LOANS INC
Type	Mortgage Company

Agreement

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

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	$2,429.00 (+6%) Homeowner's exemption	$242,070 (+740.52%) Land $45,000 Building $197,070	$242,070 (+740.52%) Land $45,000 Building $197,070
2023	$347.00 (+41.63%)	$28,800 (+45.45%) Land $28,800	$28,800 (+45.45%) Land $28,800
2022	$245.00	$19,800	$19,800 Land $19,800

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 61% of the US · lower than 63% 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

5G and 4G LTE (outdoors only)

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