3384 Rocky Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 3384 Rocky Rd, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,259 sqft · built 1979
Lot Size	0.514 acres (22,390 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Dec 2020)
Tax Bill	$2,034 (2024)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Aug 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-4N-30-0000-01201-0000`

Property Details

APN / Parcel Number

Primary APN	`02-4N-30-0000-01201-0000`
Alternative APN	`N304020000012010000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,259 sqft Living Area
Gross Area	3,247 sqft
1st Floor Area	2,259 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	22,390 sqft (0.514 acres)
Lot Dimensions	160 ft deep x 140 ft wide
Garage Area	1,333 sqft
Parking Spaces	7 Parking Spaces
Porch	Finished/Open Porch
Porch Area	582 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3384 ROCKY RD
City	JAY
State	FL
Zip	32565-9585
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATE FOR 2021 DESCRIPTION FOR #12.1 & #12.3: COM AT NE CORNER OF NW4 OF SE4 OF SECTION 2 TOWNSHP 4 NORTH RANGE 30 WEST THN N895130W 1036.0 FT TO POB THN S03459 W 2610.22 FT TO NLY R/W OF HARVEST RD THN S89*5632W ON N R/W 309.28 FT T
Legal Range	30W
Legal Township	4N
Legal Section	02
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	3
Census Block	3012
Census Tract	10200

Owner

Source: Santa Rosa County records, as of December 8, 2025

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 Record
Mailing Address	3384 ROCKY RD, JAY, FL 32565-9585
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED BANK
Aug 18, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2020 · Amount on Record
Deed Sale	Dec 4, 2020 · Amount on Record
Deed Document Number	202065228
Deed Book / Page	4038 / 326
Prior Transfer Date	Jul 15, 2004
Prior Transfer Doc	0026441931
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 4, 2020
Property Address	3384 ROCKY RD, JAY, FL 32565-9585
Document Number	0040380326
Book / Page	4038 / 326
Instrument Date	Nov 30, 2020
Instrument	202065228
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3384 ROCKY RD, 3384, JAY, FL 32565-9585

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3030 HARVEST RD, JAY, FL 32565-4817

Mortgage

Document Number	0004038329
Date	Dec 4, 2020
Instrument	4038/329

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 18, 2020
Property Address	3384 ROCKY RD, JAY, FL 32565-9585
Document Number	0039910916
Book / Page	003991 / 000916
Instrument Date	Jul 20, 2020
Instrument	41835
Transaction Type	Transfer
Record Updated	Oct 1, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3384 ROCKY RD JAY FL 325659585, JAY, FL 32565-9585

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		$208,344 (+2.9%)	$228,856 (+8.16%) Land $10,800 Building $218,056
2024	$2,034.00 (+1.9%) Homeowner's exemption	$202,472 (+3%)	$211,593 (+1.85%) Land $7,650 Building $203,943
2023	$1,996.00 (-18.36%)	$196,575 (-4.31%)	$207,742 (+1.13%) Land $7,650 Building $200,092
2022	$2,445.00	$205,429	$205,429 Land $7,650 Building $197,779

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
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

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

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