3600 Hwy 182, Jay, FL 32565 Property Records

Santa Rosa County property record for 3600 Hwy 182, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,381 sqft · built 2024
Lot Size	2.71 acres (118,048 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (May 2026)
Tax Bill	$2,843 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`08-3N-29-0000-00107-0000`

Property Details

APN / Parcel Number

Primary APN	`08-3N-29-0000-00107-0000`
Alternative APN	`N293080000001070000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,381 sqft Living Area
Gross Area	1,886 sqft
1st Floor Area	1,381 sqft
Flooring	Wood

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Brick
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	118,048 sqft (2.71 acres)
View / Lot	Woodland
Garage Type	Attached
Garage Area	340 sqft
Porch	Finished/Open Porch
Porch Area	85 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3600 HIGHWAY 182
City	JAY
State	FL
Zip	32565-7330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATE FOR 2025 08-3N-29 COMM AT 4X4 CONCRETE MRKR BEING SE COR OF SECT 8; T HN N8729'01W ALONG S LINE SE CT 8 FOR 2653.56 FT TO 4X4 MRK R BEING SE COR OF SE4 OF SW4 OF SECT 8; THN N309'25E ALON G MNMNT E LN OF SE4 OF SW4 OF SECT 8
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	4
Census Block	4030
Census Tract	10200

Owner

3600 Hwy 182 is owned by two individuals who bought it in May 2026.

Source: Santa Rosa County records, as of June 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1971 PINEVIEW CHURCH RD, JAY, FL 32565-9259
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage PINNACLE BANK
May 18, 2026	Warranty Deed, Transfer · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Feb 13, 2025	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2026 · Amount on File
Deed Sale	May 18, 2026 · Amount on File
Prior Sale	Dec 12, 2024 · Amount on File
Deed Document Number	202625065
Deed Book / Page	4745 / 1079
Prior Transfer Date	Feb 13, 2025
Prior Transfer Doc	0000006086
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3600 HIGHWAY 182, JAY, FL 32565-7330
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3600 HIGHWAY 182, JAY, FL 32565-7330

Mortgage

Document Number	0047242012
Date	Mar 27, 2026
Book Page	4724/2012
Instrument	202615230

Lender

Name	PINNACLE BANK
Type	Bank
Address	BIRMINGHAM, AL 35209

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	May 18, 2026
Property Address	3600 HIGHWAY 182, JAY, FL 32565-7330
Document Number	0047451079
Book / Page	4745 / 1079
Instrument Date	May 15, 2026
Instrument	202625065
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	GUARANTEE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$233,310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1971 PINEVIEW CHURCH RD, JAY, FL 32565-9259

Mortgage

Document Number	0000025067,
Date	May 18, 2026
Instrument	202625067

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 13, 2025
Property Address	3600 HIGHWAY 182, JAY, FL 32565-7330
Document Number	0045860966
Book / Page	4586 / 966
Instrument Date	Feb 13, 2025
Instrument	202506086
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3600 HIGHWAY 182, JAY, FL 32565-7330
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3600 Hwy 182 was $2,843, up 538.9% from the year before.

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	$2,843.00 (+538.88%)	$237,405 (+525.74%) Land $43,360 Building $194,045	$237,405 (+525.74%) Land $43,360 Building $194,045
2024	$445.00	$37,940 Land $37,940	$37,940 Land $37,940

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3600 Hwy 182 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · Hurricane Sally

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 3600 Hwy 182 is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy 182

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