2765 Hwy 182, Jay, FL 32565 Property Records

Santa Rosa County property record for 2765 Hwy 182, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 400 sqft · built 2021
Lot Size	7.86 acres (342,382 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Jun 2022)
Tax Bill	$2,519 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-3N-30-0000-00203-0000`

Property Details

APN / Parcel Number

Primary APN	`13-3N-30-0000-00203-0000`
Alternative APN	`N303130000002030000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	400 sqft Living Area
Gross Area	1,920 sqft
1st Floor Area	400 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Metal
Construction Type	Steel Frame
Roof Material	Metal
Lot Area	342,382 sqft (7.86 acres)
Lot Dimensions	1,226 ft deep x 279 ft wide
Garage Type	Attached
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	2765 HIGHWAY 182
City	JAY
State	FL
Zip	32565-9329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATE FOR 2022 COM AT SE CORN OF NE4 OF NW4 OF SECTION 13 TOWNSHIP 3 NORTH RANGE WEST THN S8942'47W 278.15 FT FOR POB & CONT 278.15 FT THN N00'58E 1224.02 FT TO S R/W OF S R 182 THN N8905'52E 278.60 FT THN S02'09W 1227.01 FT TO POB
Legal Range	30W
Legal Township	3N
Legal Section	13
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	1
Census Block	1001
Census Tract	10303

Owner

2765 Hwy 182 is owned and occupied by two individuals who bought it in June 2022.

Source: Santa Rosa County records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2765 HIGHWAY 182, JAY, FL 32565-9329
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
Jun 3, 2022	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Mar 28, 2018	Warranty Deed, Transfer · Conventional Mortgage SANTA ROSA COUNTY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2022 · Amount on File
Deed Sale	Jun 3, 2022 · Amount on File
Prior Sale	Mar 28, 2018 · Amount on File
Deed Document Number	202233502
Deed Book / Page	4291 / 740
Prior Transfer Date	Jan 21, 2009
Prior Transfer Doc	0028752009
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 3, 2022
Property Address	2765 HIGHWAY 182, JAY, FL 32565-9329
Document Number	0042910740
Book / Page	4291 / 740
Instrument Date	May 31, 2022
Instrument	202233502
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	NOT AVAILABLE, CLEAN TTL OF NORTHWEST FL LL

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2950 GREYSTONE DR, PACE, FL 32571-8454

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2765 HIGHWAY 182, JAY, FL 32565-9329

Mortgage

Document Number	0004291742
Date	Jun 3, 2022
Instrument	4291/742

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

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

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 28, 2018
Property Address	2765 HIGHWAY 182, JAY, FL 32565-9329
Document Number	0037131490
Book / Page	3713 / 1490
Instrument Date	Mar 28, 2018
Instrument	201812048
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	CLEAR TITLE OF NORTHWEST FLO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$455.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5353 MORGAN RIDGE DR, 5353, MILTON, FL 32570-8591

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2950 GREYSTONE DR, PACE, FL 32571-8454

Mortgage

Document Number	0201812049
Date	Mar 28, 2018
Instrument	201812049

Lender

Name	SANTA ROSA COUNTY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 28, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 2765 Hwy 182 was $2,519, down 8.6% from the year before.

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	$2,519.00 (-8.63%)	$208,879 (-10.24%) Land $117,507 Building $91,372	$208,879 (-10.24%) Land $117,507 Building $91,372
2024	$2,757.00 (-1.18%)	$232,718 (+0.4%) Land $143,052 Building $89,666	$232,718 (+0.4%) Land $143,052 Building $89,666
2023	$2,790.00 (+0.83%)	$231,784 (+1.88%) Land $143,052 Building $88,732	$231,784 (+1.88%) Land $143,052 Building $88,732
2022	$2,767.00	$227,505	$227,505 Land $143,052 Building $84,453

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

Flood

FEMA maps place 2765 Hwy 182 in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2765 Hwy 182 is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach

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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Nearby Properties on Hwy 182

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures