3676 Hwy 182, Jay, FL 32565 Property Records

Santa Rosa County property record for 3676 Hwy 182, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 2006
Lot Size	11.6 acres (507,082 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Sep 2018)
Tax Bill	$2,473 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2018 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`08-3N-29-0000-00400-0000`

Property Details

APN / Parcel Number

Primary APN	`08-3N-29-0000-00400-0000`
Alternative APN	`N293080000004000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,500 sqft Living Area
Gross Area	2,231 sqft
1st Floor Area	1,500 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	507,082 sqft (11.6 acres)
Lot Dimensions	220 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	532 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	199 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3676 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	EAST HALF OF THE FOLLOWING: THE SW4 OF SE4 OF SECTION 8 TOWNSHP 3 NORTH RANGE 29 WEST LESS THE W 495 FT (FOR #4.1) & TOG WITH S 220 FT OF E 200 (FKA #4.11 COMBINED HERE PER REQ FOR 2020) LESS RD R/W AS DES IN OR 3769 PG 2039
Legal Range	29W
Legal Township	3N
Legal Section	08
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 April 28, 2026

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	3676 HIGHWAY 182, JAY, FL 32565-7330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAND-HOME FINANCIAL SERVICES
Sep 27, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED BANK
Aug 17, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2018 · Amount on Record
Deed Sale	Sep 27, 2018 · Amount on Record
Prior Sale	Oct 16, 2009
Deed Document Number	201841868
Deed Book / Page	3769 / 2039
Prior Transfer Date	Aug 17, 2001
Prior Transfer Doc	1931001159
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3676 HIGHWAY 182, JAY, FL 32565-7330
Transaction Type	Mortgage
Record Updated	Apr 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3676 HIGHWAY 182, JAY, FL 32565-7330

Mortgage

Document Number	0040660886
Date	Feb 3, 2021
Book Page	4066/886
Instrument	202107110

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 27, 2018
Property Address	3676 HIGHWAY 182, JAY, FL 32565-7330
Document Number	0037692039
Book / Page	3769 / 2039
Instrument Date	Sep 24, 2018
Instrument	201841868
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ACHIEVE TITLE SERVICS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1406 N DALE MABRY HWY, 1406, TAMPA, FL 33607-2506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3676 HIGHWAY 182, JAY, FL 32565-7330

Mortgage

Document Number	0037692040
Date	Sep 27, 2018
Book Page	3769/2040
Instrument	201841869

Lender

Name	UNITED BANK
Type	Bank
Address	ATMORE, AL 36504

Agreement

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

August 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 17, 2018
Property Address	3676 HIGHWAY 182, JAY, FL 32565-7330
Document Number	0037572026
Book / Page	003757 / 002026
Instrument Date	Jul 30, 2018
Instrument	35322
Transaction Type	Foreclosure
Record Updated	Oct 10, 2018

Transaction

Amount	Amount Recorded
Tax	$1,071.70
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1406 N DALE MABRY HWY #300 TAMPA FL 336072506, 300, TAMPA, FL 33607-2506

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	$2,473.00 (+5.68%) Homeowner's exemption	$231,058 (+2.9%)	$302,736 (+4.84%) Land $127,147 Building $175,589
2024	$2,340.00 (+1.78%) Homeowner's exemption	$224,546 (+3%)	$288,753 (+0.47%) Land $118,323 Building $170,430
2023	$2,299.00 (+2.31%) Homeowner's exemption	$218,006 (+3%)	$287,400 (+0.45%) Land $118,323 Building $169,077
2022	$2,247.00 Homeowner's exemption	$211,656	$286,111 Land $118,323 Building $167,788

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 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

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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