2995 Hwy 182, Jay, FL 32565 Property Records

Santa Rosa County property record for 2995 Hwy 182, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,857 sqft · built 2000
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Nov 2017)
Tax Bill	$1,870 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-3N-30-0000-01801-0000`

Property Details

APN / Parcel Number

Primary APN	`13-3N-30-0000-01801-0000`
Alternative APN	`N303130000018010000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,857 sqft Living Area
Gross Area	3,474 sqft
1st Floor Area	1,857 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	222 ft deep x 196 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	597 sqft
Deck Area	420 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2995 HIGHWAY 182
City	JAY
State	FL
Zip	32565-7322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	COM NE SEC CORN THN S 54.74 FT TO S R/W SRD S-182 THN W 25 FT TO W R/W OF COUNTY RD TO POB THN CONT W 196 FT THN S 222.25 FT THN E 196 FT THN N 222.25 FT TO POB AS DES IN OR 3681 PG 224
Legal Range	30W
Legal Township	3N
Legal Section	13
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	1
Census Block	1001
Census Tract	10303

Owner

Source: Santa Rosa County records, as of September 29, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	6803 S CHUMANI RD, CHENEY, WA 99004-5315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 2, 2022	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 10, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Nov 22, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2017 · Amount on Record
Deed Sale	Nov 22, 2017 · Amount on Record
Deed Document Number	201748667
Deed Book / Page	3681 / 224
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 11, 2026
Property Address	2995 HIGHWAY 182, JAY, FL 32565-7322
Document Number	0000040290
Book / Page	4776 / 2033
Instrument Date	Aug 3, 2026
Instrument	202640290
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2995 HIGHWAY 182, JAY, FL 32565-7322

Mortgage

Document Number	0000040290,
Date	Aug 11, 2026
Book Page	4776/2033
Instrument	202640290

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2995 HIGHWAY 182, JAY, FL 32565-7322
Transaction Type	Mortgage
Record Updated	Apr 1, 2022
Title Company	FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2995 HIGHWAY 182, JAY, FL 32565-7322

Mortgage

Document Number	0042401642
Date	Feb 2, 2022
Book Page	4240/1642
Instrument	202206199

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	2995 HIGHWAY 182, JAY, FL 32565-7322
Document Number	0039291793
Instrument Date	Mar 10, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2995 HIGHWAY 182 JAY FL 325657322, JAY, FL 32565-7322

Mortgage

Document Number	0039291793
Date	Mar 17, 2020
Book Page	003929/001793
Instrument	13049

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 22, 2017
Property Address	2995 HIGHWAY 182, JAY, FL 32565-7322
Document Number	0036810224
Book / Page	003681 / 000224
Instrument Date	Nov 22, 2017
Instrument	48667
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	CLEAR TITLE/NW FL LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9659 HIGHWAY 89 JAY FL 325659235, JAY, FL 32565-9235

Mortgage

Document Number	36810226
Date	Nov 22, 2017
Book Page	003681/000226
Instrument	48668

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2047

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	$1,870.00 (+5.77%) Homeowner's exemption	$184,283 (+2.9%)	$256,353 (-0.13%) Land $23,000 Building $233,353
2024	$1,768.00 (+44.21%) Homeowner's exemption	$179,089 (+3%)	$256,697 (+1.06%) Land $28,000 Building $228,697
2023	$1,226.00 (-3.69%) Homeowner's exemption Veteran's exemption	$173,873 (+3%)	$254,011 (+0.05%) Land $28,000 Building $226,011
2022	$1,273.00 Homeowner's exemption Veteran's exemption	$168,809	$253,875 Land $28,000 Building $225,875

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 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	5 in force

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 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% 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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