2940 Hwy 182, Jay, FL 32565 Property Records

Santa Rosa County property record for 2940 Hwy 182, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,178 sqft · built 2022
Lot Size	4.89 acres (213,008 sqft)
Owner	2 Individual Names on Record
Last Sale	$389,000 (Nov 2024)
Tax Bill	$2,477 (2024)
Deeds & Mortgages	Oct 2021 Construction Loan Aug 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`12-3N-30-0000-01700-0000`

Property Details

APN / Parcel Number

Primary APN	`12-3N-30-0000-01700-0000`
Alternative APN	`N303120000017000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,178 sqft Living Area
Gross Area	1,674 sqft
1st Floor Area	1,178 sqft
Flooring	Wood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Construction Type	Wood
Roof Material	Metal
Lot Area	213,008 sqft (4.89 acres)
Porch	Finished/Open Porch
Porch Area	420 sqft
Pole Barn	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2940 HIGHWAY 182
City	JAY
State	FL
Zip	32565-7321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	*UPDATED DESCRIPTION FOR 2025* COM AT NW COR W2 SE4 SE4 12-3N-30W; TH S000150W ALG W LN 1296.25 FT TO N R/W ST RD 182; TH N884219E ALG N R/W 328.96 FT TO POB; TH CONT N884219E ALG N R/W 331.50 FT TO SE COR W2 SE4 SE4; TH N000055E ALG E LN 640
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	4
Census Block	4029
Census Tract	10200

Owner

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	2940 HIGHWAY 182, JAY, FL 32565-7321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Deed of Trust, Mortgage · Construction Mortgage FARM CREDIT OF NORTHWEST FLORIDA ACA
Aug 27, 2020	Warranty Deed, Transfer ANCHOR TITLE AND ESCROW, ANCHOR TITLE & ESCROW

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2024 · Amount on Record
Deed Sale	Nov 4, 2024 · Amount on Record
Prior Sale	Aug 27, 2020 · Amount on Record
Deed Document Number	202449952
Deed Book / Page	4558 / 1451
Prior Transfer Date	Oct 16, 2008
Prior Transfer Doc	0028610659
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2940 HIGHWAY 182, JAY, FL 32565-7321
Transaction Type	Mortgage
Record Updated	Apr 16, 2024
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2940 HIGHWAY 182, JAY, FL 32565-7321

Mortgage

Document Number	0041960986
Date	Oct 20, 2021
Book Page	4196/986
Instrument	202170393

Lender

Name	FARM CREDIT OF NORTHWEST FLORIDA ACA
Type	Bank
Address	MARIANNA, FL 32446

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Nov 1, 2052

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 27, 2020
Property Address	2940 HIGHWAY 182, JAY, FL 32565-7321
Document Number	0039960405
Book / Page	003996 / 000405
Instrument Date	Aug 21, 2020
Instrument	44158
Transaction Type	Transfer
Record Updated	Oct 2, 2020
Title Company	ANCHOR TITLE AND ESCROW, ANCHOR TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$490.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3909 TUSCANY WAY PACE FL 325718474, PACE, FL 32571-8474

Tax Assessment & Valuation

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		$243,075 (-1.31%)	$299,992 (+2.96%) Land $106,846 Building $193,146
2024	$2,477.00 (+1.81%) Homeowner's exemption	$246,296 (+3%)	$291,369 (+11.88%) Land $116,137 Building $175,232
2023	$2,433.00 (+214.75%)	$239,122 (+267.67%)	$260,421 (+300.42%) Land $88,264 Building $172,157
2022	$773.00	$65,037	$65,037 Land $65,037

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

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	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% 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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