3890 Hwy 4, Jay, FL 32565 Property Records

Santa Rosa County property record for 3890 Hwy 4, Jay, FL 32565

Property Summary

Property Type	Office Building
Details	1 bd · 1 ba · 1,881 sqft · built 1940
Lot Size	0.087 acres (3,825 sqft)
Owner	Individual Name on File
Last Sale	$15,000 (Dec 2023)
Tax Bill	$906 (2024)
Deeds & Mortgages	Dec 2023 Sale Dec 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`41-5N-29-0000-03100-0000`

Property Details

APN / Parcel Number

Primary APN	`41-5N-29-0000-03100-0000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,881 sqft Total Area
1st Floor Area	1,575 sqft
Utility Area	297 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1960
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Foundation Type	Masonry
Roof Material	Built-Up Asphalt
Lot Area	3,825 sqft (0.087 acres)
Lot Dimensions	850 ft deep x 450 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	198 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Account Number	415N290000031000000
Street Address	3890 HIGHWAY 4
City	JAY
State	FL
Zip	32565-1753
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	CV-3
Legal Description	DESCRIPTION UPDATE FOR 2024 A PARCEL OF LAND IN LOT 1 NATHANIAL HAWTHORNE GRANT (DB Q PG 151) DESC AS FOLLOWS: BEG AT A
Legal Range	29W
Legal Township	05N
Legal Section	41
Legal Subdivision	NATIONAL HAWTHORNE GRANT
Legal Lot Number	1
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	1
Census Block	1032
Census Tract	10200

Owner

3890 Hwy 4, a commercial property, is owned by an individual who bought it in December 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5040 SPRING ST, JAY, FL 32565-2765
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
Dec 22, 2023	Warranty Deed, Transfer CLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL
Dec 19, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2023 · Amount on File
Deed Sale	Dec 22, 2023 · Amount on File
Prior Sale	Dec 19, 2022
Deed Document Number	0004461235
Deed Book / Page	4461 / 235
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 22, 2023
Property Address	3890 HIGHWAY 4, JAY, FL 32565-1753
Document Number	0044610235
Book / Page	4461 / 235
Map Reference	MB Q PG 151
Instrument Date	Dec 21, 2023
Instrument	202356785
Transaction Type	Transfer
Record Updated	Feb 19, 2024
Title Company	CLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL

Transaction

Amount	Amount on Record
Tax	$105.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	388 GRACE DR, DEFUNIAK SPRINGS, FL 32433-0060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5040 SPRING ST, JAY, FL 32565-2765

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 19, 2022
Property Address	3890 HIGHWAY 4, JAY, FL 32565-1753
Document Number	0043521681
Book / Page	4352 / 1681
Map Reference	MB Q PG151
Instrument Date	Dec 7, 2022
Instrument	202268630
Transaction Type	Transfer
Record Updated	Jan 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1225 TRANSMITTER RD, PANAMA CITY, FL 32401-5043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 248, JAY, FL 32565-0248

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	$906.00 (+2.6%)	$52,608 (+4.26%) Land $3,555 Building $49,053	$52,608 (+4.26%) Land $3,555 Building $49,053
2023	$883.00 (+35.22%)	$50,458 (+22.23%) Land $3,555 Building $46,903	$50,458 (+22.23%) Land $3,555 Building $46,903
2022	$653.00	$41,280	$41,280 Land $3,555 Building $37,725

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

Flood

FEMA maps place 3890 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 3890 Hwy 4 is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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 113 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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