2424 Hwy 182, Jay, FL 32565 Property Records

Santa Rosa County property record for 2424 Hwy 182, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,950 sqft · built 1970
Lot Size	1.03 acres (44,954 sqft)
Owner	Individual Name on Record
Last Sale	$179,000 (Mar 2021)
Tax Bill	$140 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-3N-30-0000-00102-0000`

Property Details

APN / Parcel Number

Primary APN	`14-3N-30-0000-00102-0000`
Alternative APN	`N303140000001020000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,950 sqft Living Area
Gross Area	2,367 sqft
1st Floor Area	1,950 sqft
Utility Area	161 sqft
Flooring	Tile
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Concrete Block
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	44,954 sqft (1.03 acres)

Exterior Amenities

Porch	Slab
Porch Area	256 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2424 HIGHWAY 182
City	JAY
State	FL
Zip	32565-9410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	*NEW DESCRIPTION FOR 2021* BEG AT NW CORN OF NE4 THN E ON N SEC LN 566.52 FT THN DFLT 89*40R (S) 46.45 FT TO N R/W OF SRD #82 THN WLY ON RD R/W 583.87 FT THN NLY 154.07 TO THE POB & PARCEL C: COM SW CORN OF SE4 OF SECTION 11 TOWNSHIP 3 NORTH RANG
Legal Range	30W
Legal Township	3N
Legal Section	14
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	4
Census Block	4016
Census Tract	10200

Owner

Source: Santa Rosa County records, as of July 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2424 HIGHWAY 182, JAY, FL 32565-9410
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Mar 26, 2021	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2021 · Amount on Record
Deed Sale	Mar 26, 2021 · Amount on Record
Deed Document Number	202120041
Deed Book / Page	4093 / 1591
Prior Transfer Date	Jul 20, 2009
Prior Transfer Doc	0029160942
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2424 HIGHWAY 182, JAY, FL 32565-9410
Transaction Type	Mortgage
Record Updated	Oct 13, 2025
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2424 HIGHWAY 182, JAY, FL 32565-9410

Mortgage

Document Number	0046581948
Date	Sep 16, 2025
Book Page	4658/1948
Instrument	202543320

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 26, 2021
Property Address	2424 HIGHWAY 182, JAY, FL 32565-9410
Document Number	0040931591
Book / Page	4093 / 1591
Instrument Date	Mar 19, 2021
Instrument	202120041
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,253.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2001 GALT RD, PENSACOLA, FL 32503-3310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2424 HIGHWAY 182, JAY, FL 32565-9410

Mortgage

Document Number	0040931594
Date	Mar 26, 2021
Instrument	4093/1594

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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	$140.00 (+27.27%) Homeowner's exemption Veteran's exemption	$173,045 (+2.9%)	$175,336 (+4.26%) Land $15,686 Building $159,650
2024	$110.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$168,168 (+2.34%) Land $13,725 Building $154,443	$168,168 (+2.26%) Land $13,725 Building $154,443
2023	$110.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$164,330 (+3%)	$164,449 (+3.07%) Land $11,764 Building $152,685
2022	$110.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$159,544	$159,544 Land $11,764 Building $147,780

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · Hurricane Sally

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 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHUMUCKLA WATER SYSTEM, INC. private · serves 5,527 people · EPA ID FL1570140
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Conexon Connect Fiber	2,000 / 2,000

May also be available: T-Mobile.

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