3262 Hwy 182, Jay, FL 32565 Property Records

Santa Rosa County property record for 3262 Hwy 182, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,395 sqft · built 2019
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on Record
Last Sale	$299,900 (Jan 2020)
Tax Bill	$2,608 (2024)
Deeds & Mortgages	May 2019 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-3N-29-0000-00318-0000`

Property Details

APN / Parcel Number

Primary APN	`07-3N-29-0000-00318-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,395 sqft Heated Area
Gross Area	3,130 sqft
1st Floor Area	2,923 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	65,340 sqft (1.5 acres)
Lot Dimensions	4,500 ft deep x 1,450 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	207 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	073N290000003180000
Street Address	3262 HIGHWAY 182
City	JAY
State	FL
Zip	32565-7369
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	POND CREEK ESTATES UNREC SUB LOT #7 DESCRBD AS FOLLOWS: COM AT SE CORN OF SECTION 7 TOWNSHIP 3 NORTH RANGE 29 WEST THN
Legal Range	29W
Legal Township	03N
Legal Section	07
Legal Subdivision	POND CREEK
Legal Lot Number	7
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	4
Census Block	4029
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	3262 HIGHWAY 182, JAY, FL 32565-7369
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2019	Deed of Trust, Mortgage · Commercial Mortgage TRUSTMARK NATIONAL BANK
Jan 22, 2020	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2020 · Amount on Record
Deed Sale	Jan 22, 2020 · Amount on Record
Prior Sale	Nov 4, 2016 · Amount on Record
Deed Document Number	202003305
Deed Book / Page	3911 / 1178
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3262 HIGHWAY 182, JAY, FL 32565-7369
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	SURETY LAND TITLE OF FL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038261316
Date	May 6, 2019
Book Page	3826/1316
Instrument	201918461

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	PENSACOLA, FL 32502

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 22, 2020
Property Address	3262 HIGHWAY 182, JAY, FL 32565-7369
Document Number	0039111178
Book / Page	3911 / 1178
Instrument Date	Jan 14, 2020
Instrument	202003305
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	SURETY LAND TITLE FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,099.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3262 HIGHWAY 182, JAY, FL 32565-7369

Mortgage

Document Number	0039111180
Date	Jan 22, 2020
Instrument	3911/1180

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

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	$2,608.00 (+1.8%) Homeowner's exemption	$252,930 (+3%)	$297,365 (+0.97%) Land $21,000 Building $276,365
2023	$2,562.00 (+2.32%) Homeowner's exemption	$245,563 (+3%)	$294,518 (-0.07%) Land $21,000 Building $273,518
2022	$2,504.00 Homeowner's exemption	$238,411	$294,722 Land $21,000 Building $273,722

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 · Hurricane Sally

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 72% of the US · above 55% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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