3200 Cobbtown Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 3200 Cobbtown Rd, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,293 sqft · built 1959
Lot Size	5.01 acres (218,236 sqft)
Owner	Individual Name on File
Tax Bill	$1,197 (2024)
Deeds & Mortgages	Jan 2023 Transfer Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`11-4N-29-0000-00202-0000`

Property Details

APN / Parcel Number

Primary APN	`11-4N-29-0000-00202-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,293 sqft Heated Area
Gross Area	3,536 sqft
1st Floor Area	3,293 sqft
Flooring	Laminate Plank
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1979
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	218,236 sqft (5.01 acres)
Garage Area	800 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	144 sqft
Patio Area	840 sqft
Shed	1 Shed
Shed Area	2,040 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	114N290000002020000
Street Address	3200 COBBTOWN RD
City	JAY
State	FL
Zip	32565-9206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	S 220 FT OF W2 OF E2 OF NE4 OF NW4 & S 220 FT OF W2 OF NE4 OF NW4 AS DES IN OR 1608 PG 949 & OR 1791 PG 1891 & CORR IN OR
Legal Range	29W
Legal Township	04N
Legal Section	11
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	3
Census Block	3034
Census Tract	10200

Owner

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

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3200 COBBTOWN RD, JAY, FL 32565-9206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2023	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 28, 2019	Deed of Trust, Mortgage · Line of Credit UNITED BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jan 6, 2023
Transfer Doc	0043571493
Record Updated	Jun 8, 2026

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 6, 2023
Property Address	3200 COBBTOWN RD, JAY, FL 32565-9206
Document Number	0043571493
Book / Page	4357 / 1493
Instrument Date	Jan 5, 2023
Instrument	202300740
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3250 COBBTOWN RD, JAY, FL 32565-9206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3200 COBBTOWN RD, JAY, FL 32565-9206

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3200 COBBTOWN RD, JAY, FL 32565-9206
Document Number	0038860681
Instrument Date	Oct 28, 2019
Transaction Type	Mortgage
Record Updated	Jan 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3200 COBBTOWN RD JAY FL 325659206, JAY, FL 32565-9206

Mortgage

Document Number	0038860681
Date	Nov 1, 2019
Book Page	003886/000681
Instrument	49387

Lender

Name	UNITED BK
Type	Bank
Address	BREWTON, AL 36426

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$1,197.00 (+2.31%) Homeowner's exemption	$128,914 (+2.99%)	$287,189 (+4.73%) Land $16,541 Building $270,648
2023	$1,170.00 (+2.72%) Homeowner's exemption	$125,175 (+2.99%)	$274,231 (+2.43%) Land $12,541 Building $261,690
2022	$1,139.00 Homeowner's exemption	$121,545	$267,724

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	4 in force
Nearby Flood Claims	2 (2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 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 Risk	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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