2584 Annie Penton Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 2584 Annie Penton Rd, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,317 sqft · built 2016
Lot Size	3.2 acres (139,392 sqft)
Owner	Individual Name on Record
Last Sale	$187,500 (Mar 2022)
Tax Bill	$4,571 (2024)
Deeds & Mortgages	May 2022 Sale Mar 2022 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`23-4N-30-0000-00121-0000`

Property Details

APN / Parcel Number

Primary APN	`23-4N-30-0000-00121-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,317 sqft Heated Area
Gross Area	3,987 sqft
1st Floor Area	2,317 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	139,392 sqft (3.2 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	806 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	234N300000001210000
Street Address	2584 ANNIE PENTON RD
City	JAY
State	FL
Zip	32565-9476
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	NEWLY DESCRIBED FOR 2022 COMMENCE AT A RAILROAD SPIKE MARKING THE NORTHWEST CORNER OF SECTION 23,TOWNSHIP 4 NORTH RANGE
Legal Range	30W
Legal Township	04N
Legal Section	23
Legal Subdivision	RAILROAD
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	4
Census Block	4006
Census Tract	10200

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
Mailing Address	2584 ANNIE PENTON RD, JAY, FL 32565-9476
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Warranty Deed, Transfer
Mar 7, 2022	Warranty Deed, Transfer EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B
Jan 19, 2022	Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK
Jan 18, 2022	Warranty Deed, Transfer EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B
Dec 30, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FNBT BANK
Nov 3, 2021	Warranty Deed, Transfer EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B
Nov 2, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage SYNOVUS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2022 · Amount on Record
Deed Sale	Mar 7, 2022 · Amount on Record
Prior Sale	Jan 19, 2022 · Amount on Record
Deed Document Number	202213435
Deed Book / Page	4254 / 1740
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 18, 2022
Property Address	2584 ANNIE PENTON RD, JAY, FL 32565-9476
Document Number	0042851456
Book / Page	4285 / 1456
Instrument Date	May 17, 2022
Instrument	202230376
Transaction Type	Transfer
Record Updated	Mar 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1702 E BAARS ST, PENSACOLA, FL 32503-4149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7765 DEWEY JENNIGAN RD, PACE, FL 32571

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 7, 2022
Property Address	2584 ANNIE PENTON RD, JAY, FL 32565-9476
Document Number	0042541740
Book / Page	4254 / 1740
Instrument Date	Mar 4, 2022
Instrument	202213435
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Transaction

Amount	Amount Recorded
Tax	$1,312.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2920 FENCELINE RD, PENSACOLA, FL 32507-9269

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1702 E BAARS ST, PENSACOLA, FL 32503-4149

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 19, 2022
Property Address	2584 ANNIE PENTON RD, JAY, FL 32565-9476
Document Number	0042350294
Book / Page	4235 / 294
Instrument Date	Jan 19, 2022
Instrument	202203426
Transaction Type	Transfer
Record Updated	Mar 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,786.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2920 FENCELINE RD, PENSACOLA, FL 32507-9269

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2584 ANNIE PENTON RD, JAY, FL 32565-9476

Mortgage

Document Number	0004235297
Date	Jan 19, 2022
Instrument	4235/297

Lender

Name	WHITNEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 18, 2022
Property Address	2584 ANNIE PENTON RD, JAY, FL 32565-9476
Document Number	0042341216
Book / Page	4234 / 1216
Instrument Date	Jan 13, 2022
Instrument	202203182
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Transaction

Amount	Amount Recorded
Tax	$322.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2920 FENCELINE RD, PENSACOLA, FL 32507-9269

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3197 WATERVIEW DR, MILTON, FL 32583-2924
Investor	Possibly a Property Investor

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 30, 2021
Property Address	2584 ANNIE PENTON RD, JAY, FL 32565-9476
Document Number	0042280001
Book / Page	4228 / 1
Instrument Date	Dec 30, 2021
Instrument	202186161
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	EMERALD COAST TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$791.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2920 FENCELINE RD, PENSACOLA, FL 32507-9269

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 WEDGEWOOD LN NE, FORT WALTON BEACH, FL 32547-1771

Mortgage

Document Number	0000042284
Date	Dec 30, 2021
Instrument	4228/4

Lender

Name	FNBT BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 3, 2021
Property Address	2584 ANNIE PENTON RD, JAY, FL 32565-9476
Document Number	0042030162
Book / Page	4203 / 162
Instrument Date	Oct 29, 2021
Instrument	202173823
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Transaction

Amount	Amount Recorded
Tax	$288.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2584 ANNIE PENTON RD, JAY, FL 32565-9476

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5021 CHANDELLE DR, PENSACOLA, FL 32507-8119

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 2, 2021
Property Address	2584 ANNIE PENTON RD, JAY, FL 32565-9476
Document Number	0042020847
Book / Page	4202 / 847
Instrument Date	Oct 29, 2021
Instrument	202173520
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	EMERALD COAST TITLE INC - GULF BREEZE, EMERALD COAST TTL INC GULF B

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$693.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2584 ANNIE PENTON RD, JAY, FL 32565-9476

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2301 WINDSTONE DR, PENSACOLA, FL 32526-9084

Mortgage

Document Number	0004202850
Date	Nov 2, 2021
Instrument	4202/850

Lender

Name	SYNOVUS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$4,571.00 (-1.02%)	$372,923 (+0.56%) Land $51,200 Building $321,723	$372,923 (+0.56%) Land $51,200 Building $321,723
2023	$4,618.00 (+4.03%)	$370,842 (+0.72%) Land $51,200 Building $319,642	$370,842 (+0.72%) Land $51,200 Building $319,642
2022	$4,439.00	$368,192	$368,192 Land $51,200 Building $316,992

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 69% of the US · above 50% of Florida
Wildfire Likelihood	0.3% 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 2 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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