3604 Hwy 4, Jay, FL 32565 Property Records

Santa Rosa County property record for 3604 Hwy 4, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,820 sqft · built 1948
Lot Size	1.26 acres (54,886 sqft)
Owner	Individual Name on File
Last Sale	$121,400 (Mar 2018)
Tax Bill	$1,818 (2024)
Deeds & Mortgages	Feb 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-5N-29-0000-04201-0000`

Property Details

APN / Parcel Number

Primary APN	`19-5N-29-0000-04201-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,820 sqft Heated Area
Gross Area	4,564 sqft
1st Floor Area	3,260 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Shingle
Lot Area	54,886 sqft (1.26 acres)
Lot Dimensions	2,500 ft deep x 2,200 ft wide
Garage Area	920 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	1,370 sqft
Patio Area	619 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	195N290000042010000
Street Address	3604 HIGHWAY 4
City	JAY
State	FL
Zip	32565-1758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	BEG NW CORN OF NW4 OF NE4 OF SECTION 19 TOWNSHIP 5 NORTH RANGE 29 WEST OF SANT ROSA CO THN S88*32'57E 328.20 FT TO C/L OF
Legal Range	29W
Legal Township	05N
Legal Section	19
Legal Subdivision	WEST
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	1
Census Block	1023
Census Tract	10200

Owner

3604 Hwy 4 is owned and occupied by an individual who bought it in March 2018.

Source: Santa Rosa County records, as of October 27, 2025

Owner of Record	Individual Name on File
Mailing Address	PO BOX 301, JAY, FL 32565-0301
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER
Mar 7, 2018	Warranty Deed, Transfer · Conventional Mortgage SOUTHEAST MTG/GA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2018 · Amount on File
Deed Sale	Mar 14, 2018 · Amount on File
Deed Document Number	0037091237
Deed Book / Page	3709 / 1237
Prior Transfer Date	Mar 7, 2018
Prior Transfer Doc	0037071589
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3604 HIGHWAY 4, JAY, FL 32565-1758
Document Number	0039231456
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	May 20, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 301 JAY FL 325650301, JAY, FL 32565-0301

Mortgage

Document Number	0039231456
Date	Feb 28, 2020
Book Page	003923/001456
Instrument	9740

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 7, 2018
Property Address	3604 HIGHWAY 4, JAY, FL 32565-1758
Document Number	0037071589
Book / Page	003707 / 001589
Instrument Date	Feb 9, 2018
Instrument	8887
Transaction Type	Transfer
Record Updated	Mar 19, 2018
Title Company	GUARANTEE TITLE/NORTHWEST FL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$849.80
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 301 JAY FL 325650301, JAY, FL 32565-0301

Mortgage

Document Number	37071592
Date	Mar 7, 2018
Book Page	003707/001592
Instrument	8888

Lender

Name	SOUTHEAST MTG/GA
Type	Mortgage Company
Address	DULUTH, GA 30096

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 6, 2048

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$1,818.00 (+3.3%) Homeowner's exemption	$143,984 (+2.14%)	$203,547 (+1.66%) Land $12,620 Building $190,927
2023	$1,760.00 (+4.14%) Homeowner's exemption	$140,970 (+3.69%)	$200,224 (+23.07%) Land $11,358 Building $188,866
2022	$1,690.00 Homeowner's exemption	$135,951	$162,697 Land $7,572 Building $155,125

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

Flood

FEMA maps place 3604 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 3604 Hwy 4 is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% 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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