3401 Rocky Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 3401 Rocky Rd, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,780 sqft · built 2001
Lot Size	3.06 acres (133,294 sqft)
Owner	2 Individual Names on Record
Last Sale	$311,800 (May 2026)
Tax Bill	$586 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-4N-30-0000-01202-0000`

Property Details

APN / Parcel Number

Primary APN	`02-4N-30-0000-01202-0000`
Alternative APN	`N304020000012020000`

Interior

Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	3,780 sqft Living Area
Gross Area	4,840 sqft
1st Floor Area	3,780 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	133,294 sqft (3.06 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	800 sqft
Shed	1 Shed
Shed Area	3 sqft
Canopy	260 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	3401 ROCKY RD
City	JAY
State	FL
Zip	32565-9517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	(DESC PER DEED FOR 2012 ROLL:) RESERVING A LIFE ESTATE IN: COM AT SE CORN SE4 OF NW4 THN N ON E LN 560 FT TO POB THN CONT N036'30E ON E LN 772.46 FT TO NE CORN OF SE4 OF NW4 THN N8950'02W ON QTR LN 346 FT THN S23*35'34E 843.96 FT TO POB AS DES IN O
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 July 31, 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 Record
Mailing Address	3048 RAINBOW LN, MILTON, FL 32571-9600
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION
May 18, 2026	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION CO LLC
Dec 30, 2025	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Jun 5, 2025 · Amount on Record
Deed Document Number	202624858
Deed Book / Page	4745 / 140
Prior Transfer Date	May 2, 2005
Prior Transfer Doc	0024811336
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 25, 2026
Property Address	3401 ROCKY RD, JAY, FL 32565-9517
Document Number	0000032121
Book / Page	4760 / 16
Instrument Date	May 11, 2026
Instrument	202632121
Transaction Type	Mortgage
Record Updated	Jul 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3048 RAINBOW LN, MILTON, FL 32571-9600

Mortgage

Document Number	0000032121,
Date	Jun 25, 2026
Book Page	4760/16
Instrument	202632121

Lender

Name	DAS ACQUISITION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 18, 2026
Property Address	3401 ROCKY RD, JAY, FL 32565-9517
Document Number	0000024858
Book / Page	4745 / 140
Instrument Date	May 11, 2026
Instrument	202624858
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	CURE TITLE, PURE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220,442.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3048 RAINBOW LN, MILTON, FL 32571-9600

Mortgage

Document Number	0047450144,
Date	May 18, 2026
Instrument	202624859

Lender

Name	DAS ACQUISITION CO LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 30, 2025
Property Address	3401 ROCKY RD, JAY, FL 32565-9517
Document Number	0046931904
Book / Page	4693 / 1904
Instrument Date	Dec 23, 2025
Instrument	202560509
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6567 ARLINGWOOD DR, MILTON, FL 32570-3318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12264 CHUMUCKLA HWY, JAY, FL 32565-9522

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	$586.00 (+10.36%)	$67,038 (+2.9%)	$155,558 (+60.61%) Land $36,720 Building $118,838
2024	$531.00 (+0.95%) Homeowner's exemption	$65,149 (+3%)	$96,852 (-1.43%) Land $27,540 Building $69,312
2023	$526.00 (-9%) Homeowner's exemption	$63,249 (-11.97%)	$98,254 (-8.54%) Land $27,540 Building $70,714
2022	$578.00 Homeowner's exemption	$71,851	$107,424 Land $27,540 Building $79,884

Assessed value is set for property tax purposes, not a market price estimate; it is 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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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 1 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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