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2896 Hwy 178, Jay, FL 32565 Property Records

Santa Rosa County property record for 2896 Hwy 178, Jay, FL 32565

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,083 sqft · built 1950
Lot Size2.8 acres (122,404 sqft)
OwnerIndividual Name on File
Last Sale$65,000 (Sep 2021)
Tax Bill$907 (2024)
Deeds & MortgagesSep 2021 Sale & Line of Credit
Flood ZoneZone X (minimal risk)
APN24-4N-30-0000-01800-0000

Property Details

APN / Parcel Number

Primary APN24-4N-30-0000-01800-0000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,083 sqft Heated Area
Gross Area1,167 sqft
1st Floor Area1,083 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1950
Exterior MaterialMetal
Construction TypeWood
Foundation TypeRaised
Roof MaterialShingle
Lot Area122,404 sqft (2.8 acres)

Exterior Amenities

PorchOpen Porch
Porch Area84 sqft
Shed1 Shed
Shed Area3 sqft

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemConvection

Location & Zoning

Account Number244N300000018000000
Street Address2896 HIGHWAY 178
CityJAY
StateFL
Zip32565-2916
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-RR
Legal Description*DESCRIPTION UPDATE FOR 2022* BEG AT 765 FT W FROM SE COR OF SECTION 24 TOWNSHIP 4 NORTH RANGE 30 WEST TH N 201 FT TH S
Legal Range30W
Legal Township04N
Legal Section24
Legal SubdivisionWEST
JurisdictionSANTA ROSA FL
Township / Civil DivisionJAY
Census Block Group3
Census Block3027
Census Tract10200

Owner

2896 Hwy 178 is owned by an individual who bought it in September 2021.

Source: Santa Rosa County records, as of October 27, 2025

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address9122 MUNSON HWY, MILTON, FL 32570-9341
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 29, 2021 · Amount on File
Deed SaleSep 29, 2021 · Amount on File
Deed Document Number202164828
Deed Book / Page4184 / 1633
Record UpdatedJun 8, 2026

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 29, 2021
Property Address2896 HIGHWAY 178, JAY, FL 32565-2916
Document Number0041841633
Book / Page4184 / 1633
Instrument DateSep 24, 2021
Instrument202164828
Transaction TypeTransfer
Record UpdatedOct 27, 2021
Title CompanyCLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$455.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4329 DARNEY RD, 4329, JAY, FL 32565-1401

Transferred To (Grantee/Buyer)

NameVerified Name
Address2896 HIGHWAY 178, JAY, FL 32565-2916

Mortgage

Document Number41841636
DateSep 29, 2021
Instrument4184/1636
Lender
Name22ND STATE BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount on Record

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2024$907.00 (-11.86%)$79,815 (+0.39%) Land $44,960 Building $34,855$79,815 (+0.39%) Land $44,960 Building $34,855
2023$1,029.00 (+0.49%)$79,501 (+1.6%) Land $44,960 Building $34,541$79,501 (+1.6%) Land $44,960 Building $34,541
2022$1,024.00$78,247$78,247 Land $44,960 Building $33,287

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

Flood

FEMA maps place 2896 Hwy 178 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
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

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 2896 Hwy 178 is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemMOORE CREEK MOUNT CARMEL UTILITIES
serves 4,875 people · EPA ID FL1570479
Water SourceGroundwater
Last State InspectionApr 2025
Lead2 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 5 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Conexon Connect
Fiber		2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy 178

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