3017 Hwy 4, Jay, FL 32565 Property Records

Santa Rosa County property record for 3017 Hwy 4, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,670 sqft · built 1999
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (May 2022)
Tax Bill	$1,382 (2024)
Deeds & Mortgages	Jun 2023 Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-5N-29-0000-02000-0000`

Property Details

APN / Parcel Number

Primary APN	`20-5N-29-0000-02000-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,670 sqft Heated Area
Gross Area	2,335 sqft
1st Floor Area	1,670 sqft
Upper Floors Area	563 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2009
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	43,996 sqft (1.01 acres)
Lot Dimensions	2,100 ft deep x 2,100 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	346 sqft
Deck Area	299 sqft
Patio Area	20 sqft
Shed	1 Shed
Shed Area	2 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	205N290000020000000
Street Address	3017 HIGHWAY 4
City	JAY
State	FL
Zip	32565-1671
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATE FOR 2022 BEGIN AT SOUTHWEST CORNER OF SOUTHWEST QUARTER OF NORTHWEST QUARTER OF SECTION 20 TOWNSHIP 5
Legal Range	29W
Legal Township	05N
Legal Section	20
Legal Subdivision	BEGIN AT SOUTHWEST
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	1
Census Block	1020
Census Tract	10200

Owner

Source: Santa Rosa County records, as of October 27, 2025

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
Co-owner	Co-owner on Record
Mailing Address	3017 HIGHWAY 4, JAY, FL 32565-1671
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 25, 2021	Deed of Trust, Mortgage · FHA Mortgage REGIONS BANK
May 10, 2022	Warranty Deed, Transfer · FHA Mortgage EQUITY PRIME MORTGAGE LLC
Feb 25, 2021	Warranty Deed, Transfer · FHA Mortgage REGIONS BANK
Jan 29, 2018	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2022 · Amount on Record
Deed Sale	May 10, 2022 · Amount on Record
Prior Sale	Feb 25, 2021 · Amount on Record
Deed Document Number	0004282983
Deed Book / Page	4282 / 983
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3017 HIGHWAY 4, JAY, FL 32565-1671
Transaction Type	Mortgage
Record Updated	Jul 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3017 HIGHWAY 4, JAY, FL 32565-1671

Mortgage

Document Number	0044050589
Date	Jun 14, 2023
Book Page	4405/589
Instrument	202326456

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jun 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3017 HIGHWAY 4, JAY, FL 32565-1671
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	FIRST INTERNATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2360 OLD MARTIN RD, BAKER, FL 32531-8518

Mortgage

Document Number	0040771757
Date	Feb 25, 2021
Book Page	4077/1757
Instrument	202112536

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 10, 2022
Property Address	3017 HIGHWAY 4, JAY, FL 32565-1671
Document Number	0042820983
Book / Page	4282 / 983
Instrument Date	May 10, 2022
Instrument	202228557
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2360 OLD MARTIN RD, BAKER, FL 32531-8518

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3017 HIGHWAY 4, JAY, FL 32565-1671

Mortgage

Document Number	0004282985
Date	May 10, 2022
Instrument	4282/985

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 25, 2021
Property Address	3017 HIGHWAY 4, JAY, FL 32565-1671
Document Number	0040771406
Book / Page	4077 / 1406
Instrument Date	Feb 19, 2021
Instrument	202112460
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1783, CLEVELAND, GA 30528-0033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3017 HIGHWAY 4, JAY, FL 32565-1671

Mortgage

Document Number	0040771408
Date	Feb 25, 2021
Book Page	4077/1408
Instrument	202112461

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 29, 2018
Property Address	3017 HIGHWAY 4, JAY, FL 32565-1671
Document Number	0036971640
Book / Page	003697 / 001640
Instrument Date	Jan 17, 2018
Instrument	3464
Transaction Type	Transfer
Record Updated	Mar 6, 2018
Title Company	GUARANTEE TITLE/NORTHWEST FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$966.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3017 HIGHWAY 4 JAY FL 325651671, JAY, FL 32565-1671

Mortgage

Document Number	36971642
Date	Jan 29, 2018
Book Page	003697/001642
Instrument	3465

Lender

Name	GUARANTEED RATE
Address	1800 W LARCHMONT AVE, CHICAGO, IL 60613-2448

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2048

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$1,382.00 (+2.22%) Homeowner's exemption	$150,015 (+3%)	$190,121 (+1.15%) Land $10,100 Building $180,021
2023	$1,352.00 (-11.17%) Homeowner's exemption	$145,646 (-8.41%)	$187,955 (+18.2%) Land $9,090 Building $178,865
2022	$1,522.00 Homeowner's exemption	$159,015	$159,015 Land $6,060 Building $152,955

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	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

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

Wildfire Risk	Moderate above 61% of the US · lower than 64% of Florida
Wildfire Likelihood	0.2% 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	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 and 4G LTE (outdoors only)

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