3656 Hwy 182, Jay, FL 32565 Property Records

Santa Rosa County property record for 3656 Hwy 182, Jay, FL 32565

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2,000 sqft · built 2017
Lot Size	10.4 acres (456,944 sqft)
Owner	Individual Name on Record
Tax Bill	$1,517 (2024)
Deeds & Mortgages	Sep 2018 Sale & Mortgage Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`08-3N-29-0000-00402-0000`

Property Details

APN / Parcel Number

Primary APN	`08-3N-29-0000-00402-0000`

Interior

Stories	1 Story
Building Area	2,000 sqft Total Area
1st Floor Area	2,000 sqft

Exterior

Year Built	Built 2017
Exterior Material	Metal
Construction Type	Steel Frame
Fire Resistance	Masonry Walls, Wood Interior
Foundation Type	Slab (Mat/Raft)
Roof Material	Metal
Lot Area	456,944 sqft (10.4 acres)

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	083N290000004020000
Street Address	3656 HIGHWAY 182
City	JAY
State	FL
Zip	32565
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	AG-RR
Legal Description	ENHNCD LIFE EST RESERVED IN: W2 OF SW4 OF SE4 OF SECTION 8 TOWNSHP 3 NORTH RANGE 29 WEST LESS THE W 495 FT (#4.1), LESS R/W
Legal Range	29W
Legal Township	03N
Legal Section	08
Legal Subdivision	WEST
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	4
Census Block	4030
Census Tract	10200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3664 HIGHWAY 182, JAY, FL 32565-7330
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2018	Warranty Deed, Transfer · Conventional Mortgage SERVISFIRST BANK
Aug 15, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2020
Deed Sale	Nov 20, 2020
Prior Sale	Aug 15, 2018
Deed Document Number	0000403914
Deed Book / Page	3767 / 0128
Prior Transfer Date	Sep 18, 2018
Prior Transfer Doc	201840162
Record Updated	Jun 8, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 18, 2018
Property Address	3656 HIGHWAY 182, JAY, FL 32565
Document Number	0037670128
Book / Page	3767 / 0128
Instrument Date	Sep 18, 2018
Instrument	201840162
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	CLEAR TITLE OF NORTHWEST FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,723.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8324 HIGHWAY 87 N, 8324, MILTON, FL 32570-9248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3664 HIGHWAY 182, JAY, FL 32565-7330

Mortgage

Document Number	0201840163
Date	Sep 18, 2018
Instrument	201840163

Lender

Name	SERVISFIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 15, 2018
Property Address	3656 HIGHWAY 182, JAY, FL 32565
Document Number	0037570557
Book / Page	003757 / 000557
Instrument Date	Aug 6, 2018
Instrument	34925
Transaction Type	Transfer
Record Updated	Oct 10, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	8324 HIGHWAY 87 N MILTON FL 325709248, MILTON, FL 32570-9248

Tax Assessment & Valuation

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

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
2024	$1,517.00 (+2.78%)	$129,971 (-0.23%) Land $100,844 Building $29,127	$129,971 (-0.23%) Land $100,844 Building $29,127
2023	$1,476.00 (+3%)	$130,277 (-0.24%) Land $100,844 Building $29,433	$130,277 (-0.24%) Land $100,844 Building $29,433
2022	$1,433.00	$130,584	$130,584 Land $100,844 Building $29,740

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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

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

Wildfire Risk	Moderate above 67% of the US · above 46% 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, as of December 31, 2025

Cell Coverage

5G (outdoors only) and 4G LTE

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