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3401 Hwy 4, Jay, FL 32565 Property Records

Santa Rosa County property record for 3401 Hwy 4, Jay, FL 32565

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,441 sqft · built 1957
Lot Size0.44 acres (19,166 sqft)
OwnerCompany Name on File
Last Sale$73,300 (Dec 2010)
Tax Bill$1,558 (2025)
Deeds & MortgagesApr 2023 Mortgage
Aug 2020 Loan Modification
Flood ZoneZone X (minimal risk)
APN19-5N-29-0000-05700-0000

Property Details

APN / Parcel Number

Primary APN19-5N-29-0000-05700-0000
Alternative APN
  • N295190000057000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,441 sqft Living Area
Gross Area2,055 sqft
1st Floor Area1,441 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1957
Effective Year BuiltEffective 1957
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Foundation TypeNo Foundation
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area19,166 sqft (0.44 acres)
Lot Dimensions160 ft deep x 120 ft wide
Garage TypeAttached
Garage Area252 sqft
Parking Spaces1 Parking Space
PorchPatio
Porch Area194 sqft
Deck Area50 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3401 HIGHWAY 4
CityJAY
StateFL
Zip32565-1719
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-RR
Legal DescriptionD BK 122 PG 263 FUR DES AS: COM SW COR OF NW4 TH N 0*44E 660 FT TH S 88*02E 305.85 FT TH N 0*25E 606.52 FT TO ST RD 4 TH S70*44W ALG RD 182 FT TO POB TH CONT SLY ALG RD 110 FT TH S19*16E 160 FT TH N70*44E 110 FT TH N 19*16W 160 FT TO POB AS DES IN OR
Legal Range29W
Legal Township5N
Legal Section19
JurisdictionSANTA ROSA FL
Township / Civil DivisionJAY
Census Block Group1
Census Block1020
Census Tract10200

Owner

3401 Hwy 4 is owned by a company that bought it in December 2010.

Source: Santa Rosa County records, as of July 13, 2026

Owner of RecordCompany Name on File
Mailing AddressPO BOX 428, JAY, FL 32565-0428
Owner TypeCompany
VestingCompany

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

DateDocument
Apr 14, 2023Deed of Trust, Mortgage
UNITED STATES OF AMERICA
Aug 17, 2020Loan Modification, Mortgage · Line of Credit
NATIONAL RURAL UTILITIES COOPE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 29, 2010 · Amount on File
Deed SaleDec 29, 2010 · Amount on File
Deed Document Number201050179
Deed Book / Page3029 / 193
Record UpdatedSep 20, 2026

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3401 HIGHWAY 4, JAY, FL 32565-1719
Transaction TypeMortgage
Record UpdatedMay 19, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0043850838
DateApr 14, 2023
Book Page4385/838
Instrument202316119
Lender
NameUNITED STATES OF AMERICA
TypeGovernment Agency
AddressWASHINGTON, DC 20250
Agreement
AmountAmount on Record

August 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSANTA ROSA FL
Property Address3401 HIGHWAY 4, JAY, FL 32565-1719
Document Number0040001092
Instrument DateAug 17, 2020
Transaction TypeMortgage
Record UpdatedOct 20, 2020
Title CompanyNOT AVAILABLE

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3425 HIGHWAY 4 JAY FL 325651719, JAY, FL 32565-1719

Mortgage

Document Number0040001092
DateSep 4, 2020
Book Page004000/001092
Instrument46058
Lender
NameNATIONAL RURAL UTILITIES COOPE
Address20701 COOPERATIVE WAY, WASHINGTON, DC 20250
Agreement
TypeLine of Credit
AmountAmount on Record
Term480 Months
DueSep 3, 2060
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3401 Hwy 4 was $1,558, up 11% from the year before.

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,558.00 (+10.97%)$127,725 (+8.9%) Land $15,600 Building $112,125$127,725 (+8.9%) Land $15,600 Building $112,125
2024$1,404.00 (+3.85%)$117,285 (+1.76%) Land $8,400 Building $108,885$117,285 (+1.76%) Land $8,400 Building $108,885
2023$1,352.00 (+6.04%)$115,262 (+5.78%) Land $7,800 Building $107,462$115,262 (+5.78%) Land $7,800 Building $107,462
2022$1,275.00$108,966$108,966 Land $7,800 Building $101,166

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

Flood

FEMA maps place 3401 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims1 (2025)
Claims Outside the SFHA1 of 1
Most Recent ClaimJun 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 3401 Hwy 4 is moderate, ranking above 51% 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 RiskModerate
above 51% of the US · lower than 78% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemJAY, TOWN OF - UTILITIES DEPT.
serves 1,834 people · EPA ID FL1570384
Water SourceGroundwater
Last State InspectionMar 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 24 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Conexon Connect
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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