2854 Hwy 182, Jay, FL 32565 Property Records

Santa Rosa County property record for 2854 Hwy 182, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,820 sqft · built 2008
Lot Size	1.33 acres (57,935 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Jul 2016)
Tax Bill	$1,593 (2024)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-3N-30-0000-01205-0000`

Property Details

APN / Parcel Number

Primary APN	`12-3N-30-0000-01205-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,820 sqft Heated Area
Gross Area	4,256 sqft
1st Floor Area	1,820 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	57,935 sqft (1.33 acres)
Lot Dimensions	2,700 ft deep x 2,140 ft wide
Garage Type	Mixed
Carport	Carport
Carport Area	1 sqft
Parking Spaces	8 Parking Spaces
Porch	Open Porch
Porch Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	123N300000012050000
Street Address	2854 HIGHWAY 182
City	JAY
State	FL
Zip	32565-9370
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	COM AT SE SEC CORN THN S8831 26W 1320.65 FT THN N055'49W 31.79 FT TO E PRJT OF N R/W OF HWY 182 THN S87*40'52W 13.56 FT TO
Legal Range	30W
Legal Township	03N
Legal Section	12
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	4
Census Block	4039
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	2 Individual Names on Record
Mailing Address	2854 HIGHWAY 182, JAY, FL 32565-9370
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2016 · Amount on Record
Deed Sale	Jul 14, 2016 · Amount on Record
Prior Sale	Jun 27, 2008 · Amount on Record
Deed Document Number	201627449
Deed Book / Page	3538 / 0881
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2854 HIGHWAY 182, JAY, FL 32565-9370
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040650842
Date	Feb 2, 2021
Book Page	4065/842
Instrument	202106665

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2051

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	$1,593.00 (+2.12%) Homeowner's exemption	$168,557 (+3%)	$260,394 (+3.77%) Land $33,250 Building $227,144
2023	$1,560.00 (+2.63%) Homeowner's exemption	$163,648 (+3%)	$250,938 (+5.41%) Land $25,270 Building $225,668
2022	$1,520.00 Homeowner's exemption	$158,882	$238,051 Land $18,620 Building $219,431

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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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