Santa Rosa County property record for 3276 Cobbtown Rd, Jay, FL 32565
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,304 sqft · built 1979 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $218,000 (Jun 2022) |
| Tax Bill | $2,449 (2025) |
| Deeds & Mortgages | May 2026 Sale Jun 2022 Sale & Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-4N-29-0000-00201-0000 |
| Primary APN | 11-4N-29-0000-00201-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,304 sqft Living Area |
| Gross Area | 2,672 sqft |
| 1st Floor Area | 2,304 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 87,120 sqft (2 acres) |
| Lot Dimensions | 330 ft deep x 264 ft wide |
| Porch | Screened Porch |
| Porch Area | 368 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3276 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 | *DESCRIPTION UPDATED FOR 2022* COM AT TH NW CORN OF SEC 11 TWS 4N RNG 29W THN S87*52'19E ALONG THE N LI OF SAID SEC 11 2303.67 FT TO POB THN CONT 329.04 THN S02*50'16W 264.05 FT THN N87*52'19W 329.04 FT THN N02*50'16E 264.05 FT TO POB TOG WITH AN ING |
| Legal Range | 29W |
| Legal Township | 4N |
| Legal Section | 11 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | JAY |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 10200 |
Source: Santa Rosa County records · APN 11-4N-29-0000-00201-0000
Assessment roll updated December 8, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3200 COBBTOWN RD, JAY, FL 32565-9206 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| May 12, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jun 24, 2022 | Warranty Deed, Transfer · Line of Credit UNITED BANK |
| May 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Jan 03, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SANTA ROSA COUNTY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 24, 2022 · Amount on Record |
| Deed Sale | Jun 24, 2022 · Amount on Record |
| Deed Document Number | 202237911 |
| Deed Book / Page | 4299 / 255 |
| Last Transfer Date | May 11, 2026 |
| Transfer Doc | 0000023992 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 12, 2026 |
| Property Address | 3276 COBBTOWN RD, JAY, FL 32565-9206 |
| Document Number | 0000023992 |
| Book / Page | 4743 / 914 |
| Instrument Date | May 11, 2026 |
| Instrument | 202623992 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3200 COBBTOWN RD, JAY, FL 32565-9206 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 24, 2022 |
| Property Address | 3276 COBBTOWN RD, JAY, FL 32565-9206 |
| Document Number | 0042990255 |
| Book / Page | 4299 / 255 |
| Map Reference | MB 456 PG 94 |
| Instrument Date | Jun 24, 2022 |
| Instrument | 202237911 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | WEST FLORIDA TITLE, WEST FL TTL CO OF MILTON INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,526.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 3276 COBBTOWN RD, 3276, JAY, FL 32565-9206 |
| Name | Verified Name |
|---|---|
| Address | 3200 COBBTOWN RD, JAY, FL 32565-9206 |
| Document Number | 0004299257 |
|---|---|
| Date | Jun 24, 2022 |
| Instrument | 4299/257 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3276 COBBTOWN RD, JAY, FL 32565-9206 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0041170708 |
|---|---|
| Date | May 12, 2021 |
| Book Page | 4117/708 |
| Instrument | 202131671 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3276 COBBTOWN RD, JAY, FL 32565-9206 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | CLEAR TITLE |
| Name | Verified Name |
|---|
| Document Number | 0036920346 |
|---|---|
| Date | Jan 03, 2018 |
| Book Page | 3692/0346 |
| Instrument | 201800261 |
| Name | SANTA ROSA COUNTY FCU |
|---|---|
| Type | Credit Union |
| Address | MILTON, FL 32572 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Dec 28, 2032 |
Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
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 |
|---|---|---|---|
| 2025 | $2,449.00 (+8.46%) | $202,773 (+7.35%) Land $26,000 Building $176,773 | $202,773 (+7.35%) Land $26,000 Building $176,773 |
| 2024 | $2,258.00 (+1.71%) | $188,887 (+3.5%) Land $16,000 Building $172,887 | $188,887 (+3.5%) Land $16,000 Building $172,887 |
| 2023 | $2,220.00 (+122%) Homeowner's exemption | $182,504 (+59.63%) Land $12,000 Building $170,504 | $182,504 (+1.22%) Land $12,000 Building $170,504 |
| 2022 | $1,000.00 Homeowner's exemption | $114,329 | $180,304 Land $12,000 Building $168,304 |
Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
Based on FCC filings for 10 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MOORE CREEK MOUNT CARMEL UTILITIES serves 4,875 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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