Santa Rosa County property record for 2897 Harvest Rd, Jay, FL 32565
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,895 sqft · built 1940 |
| Lot Size | 1.6 acres (69,696 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $399,000 (Jul 2024) |
| Tax Bill | $1,484 (2024) |
| Deeds & Mortgages | Nov 2025 Transfer Jun 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-4N-30-0000-00405-0000 |
| Primary APN | 12-4N-30-0000-00405-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,895 sqft Living Area |
| Gross Area | 3,002 sqft |
| 1st Floor Area | 2,895 sqft |
| Utility Area | 91 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 69,696 sqft (1.6 acres) |
| Lot Dimensions | 345 ft deep x 361 ft wide |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 16 sqft |
| Deck Area | 478 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2897 HARVEST RD |
|---|---|
| City | JAY |
| State | FL |
| Zip | 32565-4814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-RR |
| Legal Description | **DESCRIPTION UPDATE FOR 2024** 4 ACS SQ IN NE COR OF NW4 OF NE4 12-4N-30W LESS & EXCEPT DES AS FOLLOWS: COM AT NE COR OF NW4 OF NE4 THN S88*3740W 417.42 FT THN S0*2744E 69.79 FT TO POB THN N88*5821E 171.55 FT THN S11*035E 351.52 FT THN S88*3740W 235 |
| Legal Range | 30W |
| Legal Township | 4N |
| Legal Section | 12 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | JAY |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 10200 |
Source: Santa Rosa County records, as of December 8, 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 | 2897 HARVEST RD, JAY, FL 32565-4814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Nov 18, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jun 6, 2017 | Deed of Trust, Mortgage · Line of Credit GULF WINDS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2024 · Amount on Record |
| Deed Sale | Jul 8, 2024 · Amount on Record |
| Prior Sale | Dec 2, 2015 · Amount on Record |
| Deed Document Number | 202430060 |
| Deed Book / Page | 4519 / 246 |
| Last Transfer Date | Nov 17, 2025 |
| Transfer Doc | 0046800751 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 18, 2025 |
| Property Address | 2897 HARVEST RD, JAY, FL 32565-4814 |
| Document Number | 0046800751 |
| Book / Page | 4680 / 751 |
| Instrument Date | Nov 17, 2025 |
| Instrument | 202554119 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2897 HARVEST RD, JAY, FL 32565-4814 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 2897 HARVEST RD, JAY, FL 32565-4814 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 2897 HARVEST RD, JAY, FL 32565-4814 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0036301192 |
|---|---|
| Date | Jun 6, 2017 |
| Book Page | 3630/1192 |
| Instrument | 201722595 |
| Name | GULF WINDS FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32534 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | May 12, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $192,068 (+24.64%) | $284,354 (+18.23%) Land $22,400 Building $261,954 | |
| 2024 | $1,484.00 (+2.13%) Homeowner's exemption | $154,096 (+3%) | $240,519 (+1.2%) Land $25,600 Building $214,919 |
| 2023 | $1,453.00 (+2.61%) Homeowner's exemption | $149,608 (+3%) | $237,665 (+0.25%) Land $25,600 Building $212,065 |
| 2022 | $1,416.00 Homeowner's exemption | $145,250 | $237,064 Land $25,600 Building $211,464 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 4 in force |
| Nearby Flood Claims | 2 (2021) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 33 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 |
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