Santa Rosa County property record for 3380 Hwy 178, Jay, FL 32565
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,345 sqft · built 2003 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,358 (2024) |
| Deeds & Mortgages | Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-4N-29-0000-00402-0000 |
| Primary APN | 19-4N-29-0000-00402-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,345 sqft Heated Area |
| Gross Area | 2,689 sqft |
| 1st Floor Area | 2,345 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 441 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 200 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 194N290000004020000 |
|---|---|
| Street Address | 3380 HIGHWAY 178 |
| City | JAY |
| State | FL |
| Zip | 32565-9373 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-RR |
| Legal Description | SW 110 FT WIDE & 792 FT DEEP OF TH E 330 FT OF TH SE4 OF SE4 AS DES IN OR 2158 PG 975 & OR 2165 PG 152 SUBJ TO R/W ESMT ERE |
| Legal Range | 29W |
| Legal Township | 04N |
| Legal Section | 19 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | JAY |
| Census Block Group | 3 |
| Census Block | 3047 |
| Census Tract | 10200 |
3380 Hwy 178 is owned and occupied by two individuals who acquired it in July 2003.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3380 HIGHWAY 178, JAY, FL 32565-9373 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2003 |
| Deed Sale | Jul 3, 2003 |
| Deed Document Number | 0216500152 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3380 HIGHWAY 178, JAY, FL 32565-9373 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | CLEAR TITLE |
| Name | Verified Name |
|---|---|
| Address | 3380 HIGHWAY 178, JAY, FL 32565-9373 |
| Document Number | 0042350864 |
|---|---|
| Date | Jan 20, 2022 |
| Book Page | 4235/864 |
| Instrument | 202203554 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Address | ATMORE, AL 36502 |
| Amount | Amount on Record |
|---|
Source: Santa Rosa County assessment roll, as of July 1, 2024
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $1,358.00 (+2.26%) Homeowner's exemption | $147,921 (+3%) | $216,690 (+2.63%) Land $16,000 Building $200,690 |
| 2023 | $1,328.00 (+2.71%) Homeowner's exemption | $143,613 (+3%) | $211,142 (+0.7%) Land $12,000 Building $199,142 |
| 2022 | $1,293.00 Homeowner's exemption | $139,430 | $209,680 Land $12,000 Building $197,680 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3380 Hwy 178 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.
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 risk around 3380 Hwy 178 is moderate, ranking above 56% 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 56% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
5G and 4G LTE (outdoors only)
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