2489 Dunsford Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 2489 Dunsford Rd, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,843 sqft · built 2013
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Feb 2025)
Tax Bill	$1,437 (2025)
Deeds & Mortgages	Nov 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-4N-30-0000-00402-0000`

Property Details

APN / Parcel Number

Primary APN	`14-4N-30-0000-00402-0000`
Alternative APN	`N304140000004020000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,843 sqft Living Area
Gross Area	2,590 sqft
1st Floor Area	1,843 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	44,867 sqft (1.03 acres)
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	207 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	2489 DUNSFORD RD
City	JAY
State	FL
Zip	32565-2943
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATE FOR 2025 COM AT NE COR OF NW4 OF NE4 OF SECTION 14 TOWNSHIP 4 NORTH RANGE 30 WEST TH N 890040 W 147.20 FT TH S003327 230 FT TH N 890504 E 205.55 FT TH N003234E 193.50 FT TO R/W OF DUNSFORD RD TH S 891533 W 57.60 FT TH N0033
Legal Range	30W
Legal Township	4N
Legal Section	14
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	4
Census Block	4001
Census Tract	10200

Owner

Source: Santa Rosa County records · APN 14-4N-30-0000-00402-0000

Assessment roll updated December 8, 2025 · Last verified May 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	2489 DUNSFORD RD, JAY, FL 32565-2943
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 03, 2025 · Amount on Record
Deed Sale	Feb 03, 2025 · Amount on Record
Prior Sale	Dec 19, 2001 · Amount on Record
Deed Document Number	20254288
Deed Book / Page	4583 / 387
Prior Transfer Date	Nov 20, 2003
Prior Transfer Doc	2229001219
Record Updated	Jun 08, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2489 DUNSFORD RD, JAY, FL 32565-2943
Transaction Type	Mortgage
Record Updated	Dec 07, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2489 DUNSFORD RD, JAY, FL 32565-2943

Mortgage

Document Number	0043411373
Date	Nov 02, 2022
Book Page	4341/1373
Instrument	202262021

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 27, 2052

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,437.00 (+5.58%)	$152,457 (+2.9%)	$222,002 (+0.63%) Land $14,420 Building $207,582
2024	$1,361.00 (+2.25%) Homeowner's exemption	$148,161 (+3%)	$220,620 (+0.78%) Land $16,480 Building $204,140
2023	$1,331.00 (+2.7%) Homeowner's exemption	$143,846 (+3%)	$218,910 (+0.8%) Land $16,480 Building $202,430
2022	$1,296.00 Homeowner's exemption	$139,656	$217,183 Land $16,480 Building $200,703

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	High above 73% of the US · above 58% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 13 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MOORE CREEK MOUNT CARMEL UTILITIES serves 4,875 people
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.