3224 Hwy 4, Jay, FL 32565 Property Records

Santa Rosa County property record for 3224 Hwy 4, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,820 sqft · built 1965
Lot Size	3.11 acres (135,472 sqft)
Owner	2 Individual Names on File
Last Sale	$324,000 (Jan 2026)
Tax Bill	$2,590 (2024)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-5N-29-0000-00800-0000`

Property Details

APN / Parcel Number

Primary APN	`20-5N-29-0000-00800-0000`
Alternative APN	`N295200000008000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,820 sqft Living Area
Gross Area	2,932 sqft
1st Floor Area	1,820 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	135,472 sqft (3.11 acres)
Garage Type	Carport
Garage Area	480 sqft
Carport	Carport
Carport Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	488 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	3224 HIGHWAY 4
City	JAY
State	FL
Zip	32565-1714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DECRIPTION UPDATED FOR 2022 COM AT SW CORN OF N2 OF SW4 OF NE4 SECTION 20 TOWNSHIP 5 NORTH RANGE 29 WEST THN E 330 FT THN N 40 FT TO N LN OF CENTURY TO JAY HWY FOR THE POB THN N 277.4 FT THN E 157 FT THN S 277.4 FT TO HWY THN W ON HWY 157 FT TO POB
Legal Range	29W
Legal Township	5N
Legal Section	20
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	1
Census Block	1009
Census Tract	10200

Owner

3224 Hwy 4 is owned and occupied by two individuals who bought it in January 2026.

Source: Santa Rosa County records, as of February 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3224 HIGHWAY 4, JAY, FL 32565-1714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Jan 20, 2026	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Feb 11, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2026 · Amount on File
Deed Sale	Jan 20, 2026 · Amount on File
Prior Sale	Feb 11, 2022 · Amount on File
Deed Document Number	20262619
Deed Book / Page	4699 / 1677
Prior Transfer Date	Mar 27, 2007
Prior Transfer Doc	0027260767
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 20, 2026
Property Address	3224 HIGHWAY 4, JAY, FL 32565-1714
Document Number	0046991677
Book / Page	4699 / 1677
Instrument Date	Jan 9, 2026
Instrument	202602619
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	SURETY LAND TITLE/FL LLC, SURETY LAND TTL OF NW FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,268.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 LAKE DR, MULVANE, KS 67110-1011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3224 HIGHWAY 4, JAY, FL 32565-1714

Mortgage

Document Number	0046991679
Date	Jan 20, 2026
Instrument	4699/1679

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 20, 2026
Property Address	3224 HIGHWAY 4, JAY, FL 32565-1714
Document Number	0046991677
Book / Page	4699 / 1677
Instrument Date	Jan 9, 2026
Instrument	202602619
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	SURETY LAND TITLE/FL LLC, SURETY LAND TTL OF NW FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,268.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 LAKE DR, MULVANE, KS 67110-1011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3224 HIGHWAY 4, JAY, FL 32565-1714

Mortgage

Document Number	0046991679
Date	Jan 20, 2026
Instrument	4699/1679

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 11, 2022
Property Address	3224 HIGHWAY 4, JAY, FL 32565-1714
Document Number	0042442078
Book / Page	4244 / 2078
Instrument Date	Feb 2, 2022
Instrument	202208309
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	ABSOLUTE TITLE/FLORIDA, ABSOLUTE TITLE OF FLORIDA

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6582 AVENDIA DE GAIVEZ, 6582, NAVARRE, FL 32566

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3224 HIGHWAY 4, JAY, FL 32565-1714

Mortgage

Document Number	0042442080
Date	Feb 11, 2022
Instrument	4244/2080

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

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

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		$270,826 (+5.64%) Land $38,408 Building $232,418	$270,826 (+5.2%) Land $38,408 Building $232,418
2024	$2,590.00 (+1.85%) Homeowner's exemption Disabled Person's exemption	$256,365 (+3%)	$257,433 (+3.43%) Land $29,545 Building $227,888
2023	$2,543.00 (-12.1%)	$248,898 (+6.57%) Land $26,590 Building $222,308	$248,898 (+6.57%) Land $26,590 Building $222,308
2022	$2,893.00	$233,550	$233,550 Land $17,727 Building $215,823

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

Flood

FEMA maps place 3224 Hwy 4 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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

Wildfire risk around 3224 Hwy 4 is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	JAY, TOWN OF - UTILITIES DEPT. serves 1,834 people · EPA ID FL1570384
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 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	1 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 23 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 / 35
Mediacom Xtream Fixed Wireless	100 / 20

May also be available: Dragonfly Internet, Verizon.

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