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2860 Cobbtown Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 2860 Cobbtown Rd, Jay, FL 32565 · Last verified November 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,930 sqft · built 1992
Lot Size2.69 acres (117,176 sqft)
Owner2 Individual Names on File
Last Sale$105,000 (Apr 2004)
Tax Bill$1,659 (2024)
Deeds & MortgagesMar 2017 Line of Credit
Jan 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN14-4N-29-0000-00401-0000

Property Details

APN / Parcel Number

Primary APN14-4N-29-0000-00401-0000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,930 sqft Heated Area
Gross Area3,948 sqft
1st Floor Area3,430 sqft
Upper Floors Area630 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1992
Exterior MaterialWood Siding
Construction TypeWood
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area117,176 sqft (2.69 acres)
Lot Dimensions460 ft deep x 200 ft wide
Garage Area500 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area240 sqft
Deck Area96 sqft
Shed1 Shed
Shed Area1 sqft
Stable1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number144N290000004010000
Street Address2860 COBBTOWN RD
CityJAY
StateFL
Zip32565-9202
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOM SW COR TH N 5237.86 FT TH S 88*56'21E 1326.76 FT TH S 656.84 FT TH S 88*50'54E 42.9 0 FT TO E R/W LI OF COBBTOWN RD FOR
Legal Range29W
Legal Township04N
Legal Section14
JurisdictionSANTA ROSA FL
Township / Civil DivisionJAY
Census Block Group3
Census Block3036
Census Tract10200

Owner

Source: Santa Rosa County records · APN 14-4N-29-0000-00401-0000

Assessment roll updated July 1, 2024 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address2860 COBBTOWN RD, JAY, FL 32565-9202
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 27, 2017Deed of Trust, Mortgage · Line of Credit
PEN AIR FCU
Jan 17, 2017Deed of Trust, Mortgage · Line of Credit
THE UNITED STATES OF AMERICA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 19, 2004 · Amount on Record
Deed SaleApr 19, 2004 · Amount on Record
Deed Document Number0022901295
Deed Book / Page01681 / 01000
Prior Transfer DateApr 13, 1998
Prior Transfer Doc0168101000
Record UpdatedJun 08, 2026

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address2860 COBBTOWN RD, JAY, FL 32565-9202
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0036091178
DateMar 27, 2017
Book Page3609/1178
Instrument201711647
Lender
NamePEN AIR FCU
TypeCredit Union
AddressPENSACOLA, FL 32514
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMar 26, 2047
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address2860 COBBTOWN RD, JAY, FL 32565-9202
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0035910327
DateJan 17, 2017
Book Page3591/0327
Instrument201701645
Lender
NameTHE UNITED STATES OF AMERICA
TypeNon-Lending Institution
AddressPENSACOLA, FL 32514
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2024$1,659.00 (+2.03%) Homeowner's exemption$169,506 (+3%)$252,078 (+5.55%) Land $21,584 Building $230,494
2023$1,626.00 (+2.52%) Homeowner's exemption$164,569 (+3%)$238,832 (+2.79%) Land $16,188 Building $222,644
2022$1,586.00 Homeowner's exemption$159,776$232,350 Land $16,188 Building $216,162

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130102003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims2 (2021)
Claims Outside the SFHA2 of 2
Most Recent ClaimJun 2021, rainfall accumulation

Wildfire

Wildfire RiskModerate
above 62% of the US · above 37% of Florida
Wildfire LikelihoodAbout 1 in 457 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 23 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Conexon ConnectFiber2,000 / 2,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE (outdoors only), no 5G reported

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