2740 Hwy 4, Jay, FL 32565 Property Records

Santa Rosa County property record for 2740 Hwy 4, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,471 sqft · built 1974
Lot Size	1.34 acres (58,370 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Mar 2022)
Tax Bill	$1,760 (2023)
Deeds & Mortgages	Dec 2025 Line of Credit Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-5N-30-0000-00201-0000`

Property Details

APN / Parcel Number

Primary APN	`13-5N-30-0000-00201-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,471 sqft Adjusted Area
Gross Area	3,378 sqft
1st Floor Area	2,946 sqft
Flooring	Carpet
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	58,370 sqft (1.34 acres)
Lot Dimensions	3,010 ft deep x 1,950 ft wide
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces
RV Parking	RV Parking
Porch	Open Porch
Porch Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	135N300000002010000
Street Address	2740 HIGHWAY 4
City	JAY
State	FL
Zip	32565-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	NEW DESC: COM NE COR OF SEC 13 T5N R30W THN N 8951'24W ALG N SEC LI 2643.08 FT THN S 8955'W 309.31 FT ALG N SEC LI THN S
Legal Range	30W
Legal Township	05N
Legal Section	13
Legal Subdivision	N/A
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	1
Census Block	1009
Census Tract	10200

Owner

2740 Hwy 4 is owned and occupied by an individual who bought it in March 2022.

Source: Santa Rosa County records, as of April 15, 2024

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2740 HIGHWAY 4, JAY, FL 32565-1626
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Line of Credit EGLIN FCU
Mar 1, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2022 · Amount on File
Deed Sale	Mar 1, 2022 · Amount on File
Deed Document Number	202212039
Deed Book / Page	4252 / 212
Record Updated	Jun 7, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2740 HIGHWAY 4, JAY, FL 32565-1626
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2740 HIGHWAY 4, JAY, FL 32565-1626

Mortgage

Document Number	0046911339
Date	Dec 22, 2025
Book Page	4691/1339
Instrument	202559520

Lender

Name	EGLIN FCU
Type	Credit Union
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 21, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 1, 2022
Property Address	2740 HIGHWAY 4, JAY, FL 32565-1626
Document Number	0042520212
Book / Page	4252 / 212
Instrument Date	Feb 28, 2022
Instrument	202212039
Transaction Type	Transfer
Record Updated	Apr 8, 2022
Title Company	CLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8111 HIGHWAY 89, 8111, MILTON, FL 32570-9544

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2740 HIGHWAY 4, JAY, FL 32565-1626

Mortgage

Document Number	0004252214
Date	Mar 1, 2022
Instrument	4252/214

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2023

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
2023	$1,760.00 (-12.44%)	$176,197 (+3.69%) Land $8,082 Building $168,115	$176,197 (+3.69%) Land $8,082 Building $168,115
2022	$2,010.00	$169,932	$169,932 Land $7,139 Building $162,793

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

Flood

FEMA maps place 2740 Hwy 4 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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	2 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2025 · river or lake flooding

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

Wildfire risk around 2740 Hwy 4 is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 45% 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.

Drinking Water

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

Water System	MOORE CREEK MOUNT CARMEL UTILITIES serves 4,875 people · EPA ID FL1570479
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, 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

May also be available: Mediacom Xtream.

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