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2988 Cobbtown Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 2988 Cobbtown Rd, Jay, FL 32565

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,877 sqft · built 2021
Lot Size4.07 acres (177,289 sqft)
Owner2 Individual Names on Record
Last Sale$470,000 (Nov 2024)
Tax Bill$140 (2025)
Deeds & MortgagesMar 2026 Mortgage
Flood ZoneZone X (minimal risk)
APN11-4N-29-0000-01004-0000

Property Details

APN / Parcel Number

Primary APN11-4N-29-0000-01004-0000
Alternative APN
  • N294110000010040000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,877 sqft Living Area
Gross Area2,646 sqft
1st Floor Area1,877 sqft
FlooringWood
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area177,289 sqft (4.07 acres)
View / LotWoodland
Garage TypeAttached
Garage Area489 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Deck Area160 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2988 COBBTOWN RD
CityJAY
StateFL
Zip32565-9204
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-RR
Legal Description*DESCRIPTION UPDATE FOR 2025* COM AT SW CORNER OF SECTION 11 TOWNSHIP 4 NORTH RANGE 29 WEST THN S87*5614E 2654.95 FT THN N2*5015E 1324.15 FT THN N87* 4014W 1170.20 FT TO POB THN S2*3731W 435.74 FT THN N87* 4014W 416.05 FT TO E R/W OF COBBTOWN RD THN
Legal Range29W
Legal Township4N
Legal Section11
JurisdictionSANTA ROSA FL
Township / Civil DivisionJAY
Census Block Group3
Census Block3036
Census Tract10200

Owner

Source: Santa Rosa County records, as of July 22, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address2988 COBBTOWN RD, JAY, FL 32565-9204
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 1, 2024 · Amount on Record
Deed SaleNov 1, 2024 · Amount on Record
Deed Document Number202449642
Deed Book / Page4558 / 35
Record UpdatedSep 20, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address2988 COBBTOWN RD, JAY, FL 32565-9204
Transaction TypeMortgage
Record UpdatedApr 10, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address2988 COBBTOWN RD, JAY, FL 32565-9204

Mortgage

Document Number0047231729
DateMar 25, 2026
Book Page4723/1729
Instrument202614670
Lender
NameLOANUNITED.COM LLC
TypeMortgage Company
AddressDULUTH, GA 30096
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2056

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025$140.00 (-94.64%)$283,159 (+9.61%)$290,741 (+11.66%) Land $47,619 Building $243,122
2024$2,614.00 (+8.65%) Homeowner's exemption$258,335 (+9.08%)$260,372 (+9.94%) Land $29,304 Building $231,068
2023$2,406.00 (-5.87%) Homeowner's exemption$236,830 (-4.31%) Land $21,978 Building $214,852$236,830 (-4.31%) Land $21,978 Building $214,852
2022$2,556.00 Homeowner's exemption$247,510$247,510 Land $21,978 Building $225,532

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

Flood

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
Nearest Special Flood Hazard AreaZone A, within 500 ft
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

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

Wildfire RiskHigh
above 70% of the US · above 51% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 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

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