2897 Hwy 4, Jay, FL 32565 Property Records

Santa Rosa County property record for 2897 Hwy 4, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,421 sqft · built 1975
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Nov 2021)
Tax Bill	$182 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-5N-30-0000-01301-0000`

Property Details

APN / Parcel Number

Primary APN	`13-5N-30-0000-01301-0000`
Alternative APN	`N305130000013010000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,421 sqft Living Area
Gross Area	2,005 sqft
1st Floor Area	1,421 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	65,340 sqft (1.5 acres)
Lot Dimensions	420 ft deep x 210 ft wide
Garage Type	Attached
Garage Area	348 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	236 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2897 HIGHWAY 4
City	JAY
State	FL
Zip	32565-1629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATE FOR 2020 COM AT NE CORNER OF SW4 OF NE4 OF SECTION 13 TOWNSHIP 5 NORTH RANGE 30 WEST THN S ON E QTR LN TO S R/W OF HWY 4 TO POB THN W ALONG R/W 208 FT THN S PARALLEL TO E SEC LN 416 FT THN E PARALLEL TO R/W 208 FT TO E LN OF SW4
Legal Range	30W
Legal Township	5N
Legal Section	13
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	1
Census Block	1019
Census Tract	10200

Owner

2897 Hwy 4 is owned and occupied by an individual who bought it in November 2021.

Source: Santa Rosa County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2897 HIGHWAY 4, JAY, FL 32565-1629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2021 · Amount on File
Deed Sale	Nov 12, 2021 · Amount on File
Deed Document Number	202176003
Deed Book / Page	4207 / 630
Prior Transfer Date	Sep 4, 2008
Prior Transfer Doc	0039530435
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 12, 2021
Property Address	2897 HIGHWAY 4, JAY, FL 32565-1629
Document Number	0042070630
Book / Page	4207 / 630
Instrument Date	Nov 12, 2021
Instrument	202176003
Transaction Type	Transfer
Record Updated	Dec 28, 2021
Title Company	GUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2897 HIGHWAY 4, 2897, JAY, FL 32565-1629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2897 HIGHWAY 4, JAY, FL 32565-1629

Mortgage

Document Number	0004207632
Date	Nov 12, 2021
Instrument	4207/632

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2897 Hwy 4 was $182, down 89.1% 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	$182.00 (-89.07%)	$19,500 (-85.74%) Land $19,500	$19,500 (-85.74%) Land $19,500
2024	$1,665.00 (-0.36%)	$136,793 (+1.31%) Land $9,000 Building $127,793	$136,793 (+1.31%) Land $9,000 Building $127,793
2023	$1,671.00 (+2.64%)	$135,025 (+3.88%) Land $9,000 Building $126,025	$135,025 (+3.88%) Land $9,000 Building $126,025
2022	$1,628.00	$129,985	$129,985 Land $7,950 Building $122,035

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2897 Hwy 4 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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	2 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2025 · river or lake flooding

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 2897 Hwy 4 is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

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
Spectrum Cable	1,000 / 1,000

May also be available: Dragonfly Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy 4

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