Santa Rosa County property record for 3770 Hwy 182, Jay, FL 32565
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,395 sqft · built 1954 |
| Lot Size | 1.17 acres (50,965 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $46,000 (Jul 2017) |
| Tax Bill | $727 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Apr 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-3N-29-0000-00301-0000 |
| Primary APN | 08-3N-29-0000-00301-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,395 sqft Living Area |
| Gross Area | 1,555 sqft |
| 1st Floor Area | 1,395 sqft |
| Flooring | Wood |
| Interior Walls | Paneling |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 50,965 sqft (1.17 acres) |
| Lot Dimensions | 200 ft deep x 254 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Florida Room |
|---|---|
| Porch Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Convection |
| Street Address | 3770 HIGHWAY 182 |
|---|---|
| City | JAY |
| State | FL |
| Zip | 32565-7302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-RR |
| Legal Description | *NEW DESCRIPTION FOR 2018* COM AT SE SEC CORN THN N3*06' 15E ON E SEC LN 100 FT TO N R/W OF HWY 182 THN N87*28'14W ON N R/W 222.32 FT TO POB & CONT ON RD 254.06 FT THN N2*31 '46E 200.98 FT THN S87*28'14 E 254.06 FT THN S2*31'46W 200 .98 FT TO POB AS |
| 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 |
Source: Santa Rosa County records · APN 08-3N-29-0000-00301-0000
Assessment roll updated December 8, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3770 HIGHWAY 182, JAY, FL 32565-7302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2023 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK |
| Apr 05, 2018 | Deed of Trust, Mortgage PEN AIR FCU |
| Jul 10, 2017 | Warranty Deed, Transfer · FHA Mortgage FRANKLIN AMERICAN MORTGAGE CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 10, 2017 · Amount on Record |
| Deed Sale | Jul 10, 2017 · Amount on Record |
| Prior Sale | Nov 17, 2004 |
| Deed Document Number | 201727787 |
| Deed Book / Page | 3640 / 1724 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3770 HIGHWAY 182, JAY, FL 32565-7302 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3770 HIGHWAY 182, JAY, FL 32565-7302 |
| Document Number | 0044590024 |
|---|---|
| Date | Dec 15, 2023 |
| Book Page | 4459/24 |
| Instrument | 202355623 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3770 HIGHWAY 182, JAY, FL 32565-7302 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0037160345 |
|---|---|
| Date | Apr 05, 2018 |
| Book Page | 3716/0345 |
| Instrument | 201813314 |
| Name | PEN AIR FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32514 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Apr 14, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 10, 2017 |
| Property Address | 3770 HIGHWAY 182, JAY, FL 32565-7302 |
| Document Number | 0036401724 |
| Book / Page | 3640 / 1724 |
| Instrument Date | Jul 07, 2017 |
| Instrument | 201727787 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | CLEAR TITLE OFNORTHEST FLORI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $322.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 182 FLORIDA AVEJAY, 182, JAY, FL 32565 |
| Name | Verified Name |
|---|---|
| Address | 3770 HIGHWAY 182 # JAY, JAY, JAY, FL 32565-7302 |
| Document Number | 0201727788 |
|---|---|
| Date | Jul 10, 2017 |
| Instrument | 201727788 |
| Name | FRANKLIN AMERICAN MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $727.00 (+8.35%) Homeowner's exemption | $90,036 (+2.9%) | $92,604 (+5.83%) Land $18,720 Building $73,884 |
| 2024 | $671.00 (+1.36%) Homeowner's exemption | $87,499 (+1.71%) Land $16,380 Building $71,119 | $87,499 (+1.07%) Land $16,380 Building $71,119 |
| 2023 | $662.00 (+3.44%) Homeowner's exemption | $86,026 (+3%) | $86,575 (+3.66%) Land $16,380 Building $70,195 |
| 2022 | $640.00 Homeowner's exemption | $83,520 | $83,520 Land $16,380 Building $67,140 |
Source: FEMA National Flood Hazard Layer as of November 18, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 6 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Wildfire Risk | Moderate above 67% of the US · above 46% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Conexon Connect Fiber | 2,000 / 2,000 |
Based on FCC filings for 7 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CHUMUCKLA WATER SYSTEM, INC. private · serves 5,527 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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