3578 Hwy 4, Jay, FL 32565 Property Records

Santa Rosa County property record for 3578 Hwy 4, Jay, FL 32565

Property Summary

Property Type	Retail Store
Details	2 bd · 1 ba · 7,972 sqft · built 1975
Lot Size	3.41 acres (148,888 sqft)
Owner	Company Name on File
Last Sale	$110,000 (Aug 2011)
Tax Bill	$4,709 (2024)
Deeds & Mortgages	Jul 2021 Sale Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-5N-29-0000-03801-0000`

Property Details

APN / Parcel Number

Primary APN	`19-5N-29-0000-03801-0000`
Alternative APN	`N295190000038010000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	7,972 sqft Gross Area
1st Floor Area	6,730 sqft
Flooring	Wood

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	148,888 sqft (3.41 acres)
Lot Dimensions	517 ft deep x 288 ft wide

Exterior Amenities

Patio Area	156 sqft
Shed	1 Shed
Shed Area	2 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3578 HIGHWAY 4
City	JAY
State	FL
Zip	32565-1720
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	CC
Legal Description	NEW DESCRIPTION FOR 2012 COM AT NE CORN OF NW4 THN N88* 40'27W ON N SEC LN 188 FT TO POB THN S625'16E 361.82 FT TO N R/W OF SR #4 THN S6947' 05W ON R/W 290 FT THN N1231' 39W 478.93 FT THN S8840'27E ALG N LNE OF SEC 335.64 FT TO POB AS DES IN OR 4
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	1
Census Block	1023
Census Tract	10200

Owner

3578 Hwy 4, a commercial property, is owned by a company that bought it in August 2011.

Source: Santa Rosa County records, as of April 14, 2026

Owner of Record	Company Name on File
Mailing Address	3578 HIGHWAY 4, JAY, FL 32565-1720
Owner Type	Company
Vesting	Limited Liability Company

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

Date	Document
Jul 30, 2021	Warranty Deed, Transfer CLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL
Sep 25, 2020	Deed of Trust, Mortgage UNITED BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2011 · Amount on File
Deed Sale	Aug 4, 2011 · Amount on File
Prior Sale	Jul 21, 2008 · Amount on File
Deed Document Number	201127023
Deed Book / Page	3073 / 583
Prior Transfer Date	Apr 26, 2002
Prior Transfer Doc	0020110526
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 30, 2021
Property Address	3578 HIGHWAY 4, JAY, FL 32565-1720
Document Number	0041560407
Book / Page	4156 / 407
Instrument Date	Jul 28, 2021
Instrument	202151264
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	CLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3578 HIGHWAY 4, JAY, FL 32565-1720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3578 HIGHWAY 4, JAY, FL 32565-1720
Investor	Possibly a Property Investor

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3578 HIGHWAY 4, JAY, FL 32565-1720
Document Number	0040131814
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Nov 6, 2020
Title Company	CLEAR TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3578 HIGHWAY 4 JAY FL 325651720, JAY, FL 32565-1720

Mortgage

Document Number	0040131814
Date	Oct 13, 2020
Book Page	004013/001814
Instrument	52748

Lender

Name	UNITED BK
Type	Bank
Address	MILTON, FL 32570

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Municipality	Jay Town
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$347,523 (+16.7%) Land $37,440 Building $310,083	$347,523 (+16.7%) Land $37,440 Building $310,083
2024	$4,709.00 (+7.68%)	$297,783 (+9.34%) Land $28,800 Building $268,983	$297,783 (+9.34%) Land $28,800 Building $268,983
2023	$4,373.00 (+10.91%)	$272,358 (+18.17%) Land $28,800 Building $243,558	$272,358 (+18.17%) Land $28,800 Building $243,558
2022	$3,943.00	$230,484	$230,484 Land $28,800 Building $201,684

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

Flood

FEMA maps place 3578 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 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	2 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 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 3578 Hwy 4 is moderate, ranking above 43% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.09% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JAY, TOWN OF - UTILITIES DEPT. serves 1,834 people · EPA ID FL1570384
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 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	1 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Dragonfly Internet.

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