3224 Hwy 182, Jay, FL 32565 Property Records

Santa Rosa County property record for 3224 Hwy 182, Jay, FL 32565 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,294 sqft · built 2023
Lot Size	10.6 acres (463,914 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Aug 2019)
Tax Bill	$165 (2024)
Deeds & Mortgages	May 2023 Construction Loan Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-3N-29-0000-00312-0000`

Property Details

APN / Parcel Number

Primary APN	`07-3N-29-0000-00312-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,294 sqft Heated Area
1st Floor Area	2,294 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Brick
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	463,914 sqft (10.6 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Shed	1 Shed
Shed Area	1 sqft
Pole Barn	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	073N290000003120000
Street Address	3224 HIGHWAY 182
City	JAY
State	FL
Zip	32565-7369
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	POND CREEK ESTATES LOT 1(UNPLATTED) COMMENCE AT A 4 X4 CONCRETE MONUMENT, NUMBER 5170, MARKING THE SOUTHEAST CORNER OF
Legal Range	29W
Legal Township	03N
Legal Section	07
Legal Subdivision	POND CREEK
Legal Lot Number	1-2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	4
Census Block	4029
Census Tract	10200

Owner

Source: Santa Rosa County records · APN 07-3N-29-0000-00312-0000

Assessment roll updated July 1, 2024 · Last verified November 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 File
Co-owner	Verified Secondary Owner
Mailing Address	3224 HIGHWAY 182, JAY, FL 32565-7369
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2023	Deed of Trust, Mortgage · Construction Mortgage THE FIRST A NATIONAL BANKING ASSN
Aug 26, 2019	Warranty Deed, Transfer · Conventional Mortgage SANTA ROSA COUNTY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 26, 2019 · Amount on Record
Deed Sale	Aug 26, 2019 · Amount on Record
Deed Document Number	0038631087
Deed Book / Page	3863 / 1087
Record Updated	Jun 08, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3224 HIGHWAY 182, JAY, FL 32565-7369
Transaction Type	Mortgage
Record Updated	Apr 16, 2024
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3224 HIGHWAY 182, JAY, FL 32565-7369

Mortgage

Document Number	0043950732
Date	May 16, 2023
Book Page	4395/732
Instrument	202321369

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank
Address	HATTIESBURG, MS 39402

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2053

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 26, 2019
Property Address	3224 HIGHWAY 182, JAY, FL 32565-7369
Document Number	0038631087
Book / Page	3863 / 1087
Instrument Date	Aug 26, 2019
Instrument	201937730
Transaction Type	Transfer
Record Updated	May 02, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$595.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2589 TULIP HILL RD, 2589, PACE, FL 32571-6786

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4636 HAMILTON BRIDGE RD, MILTON, FL 32571-9015

Mortgage

Document Number	0038631091
Date	Aug 26, 2019
Instrument	3863/1091

Lender

Name	SANTA ROSA COUNTY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 26, 2034

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$165.00 (-85.2%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$295,762 (+175.46%)	$383,619 (+257.29%) Land $104,370 Building $279,249
2023	$1,115.00 (+3.15%)	$107,370 (-) Land $104,370 Building $3,000	$107,370 (-) Land $104,370 Building $3,000
2022	$1,081.00	$107,370	$107,370 Land $104,370 Building $3,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130102004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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, tidal / storm surge, Hurricane Sally

Wildfire

Wildfire Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	About 1 in 412 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 6 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Conexon Connect	Fiber	2,000 / 2,000
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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