2501 Hwy 182, Jay, FL 32565 Property Records

Santa Rosa County property record for 2501 Hwy 182, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,752 sqft · built 2018
Lot Size	9.98 acres (435,164 sqft)
Owner	Individual Name on Record
Last Sale	$62,000 (May 2016)
Tax Bill	$2,674 (2024)
Deeds & Mortgages	Jul 2017 Construction Loan May 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`14-3N-30-0000-01403-0000`

Property Details

APN / Parcel Number

Primary APN	`14-3N-30-0000-01403-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,752 sqft Heated Area
Gross Area	4,869 sqft
1st Floor Area	3,528 sqft
Attic	Attic
Attic Area	528 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	435,164 sqft (9.98 acres)
Garage Area	776 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	645 sqft
Patio Area	98 sqft
Gazebo	1 sqft
Pole Barn	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	143N300000014030000
Street Address	2501 HIGHWAY 182
City	JAY
State	FL
Zip	32565-9413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	NEW DESCRIPTION FOR 2016 COM AT SE SEC CORN THN S900'W ON S SEC LN 887.59 FT THN S0 29'49E 388.31 FT TO POB & CNT 928.54
Legal Range	30W
Legal Township	03N
Legal Section	14
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	1
Census Block	1003
Census Tract	10303

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	2501 HIGHWAY 182, JAY, FL 32565-9413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2017	Deed of Trust, Mortgage · Construction Mortgage PEN AIR FCU
May 8, 2018	Loan Modification, Mortgage PEN AIR FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2016 · Amount on Record
Deed Sale	May 20, 2016 · Amount on Record
Prior Sale	May 20, 2016 · Amount on Record
Deed Document Number	201619050
Deed Book / Page	3521 / 1747
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2501 HIGHWAY 4, JAY, FL 32565-1645
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036470224
Date	Jul 31, 2017
Book Page	3647/0224
Instrument	201730912

Lender

Name	PEN AIR FCU
Type	Credit Union
Address	PENSACOLA, FL 32514

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4%
Type Change Date	Aug 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA ROSA FL
Property Address	2501 HIGHWAY 4, JAY, FL 32565-1645
Document Number	0037261890
Instrument Date	May 8, 2018
Transaction Type	Mortgage
Record Updated	Nov 30, 2018
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2501 HIGHWAY 182 JAY FL 32565, JAY, FL 32565

Mortgage

Document Number	0037261890
Date	May 11, 2018
Book Page	003726/001890
Instrument	18975

Lender

Name	PEN AIR FCU
Type	Credit Union
Address	PENSACOLA, FL 32504

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 10, 2048

Interest

Rate	4%

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	$2,674.00 (+10.22%) Homeowner's exemption	$258,767 (+10.67%)	$477,352 (+8.85%) Land $16,067 Building $461,285
2023	$2,426.00 (+2.28%) Homeowner's exemption	$233,815 (+2.97%)	$438,559 (+2.33%) Land $14,067 Building $424,492
2022	$2,372.00 Homeowner's exemption	$227,065	$428,589

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	5 in force

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 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% 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 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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