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3903 Nowling Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 3903 Nowling Rd, Jay, FL 32565 · Last verified November 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,989 sqft · built 1964
Lot Size1.07 acres (46,609 sqft)
OwnerIndividual Name on File
Last Sale$271,400 (Mar 2022)
Tax Bill$2,292 (2024)
Deeds & MortgagesMar 2022 Sale & Mortgage
May 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN30-5N-29-0000-00404-0000

Property Details

APN / Parcel Number

Primary APN30-5N-29-0000-00404-0000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,989 sqft Heated Area
Gross Area2,455 sqft
1st Floor Area1,989 sqft
Utility Area110 sqft
Utility RoomUtility Room
FlooringCeramic Tile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1964
Effective Year BuiltEffective 1994
Exterior MaterialBrick
Construction TypeWood
Foundation TypeMasonry
Roof MaterialShingle
Lot Area46,609 sqft (1.07 acres)
PorchOpen Porch
Porch Area356 sqft
Deck Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number305N290000004040000
Street Address3903 NOWLING RD
CityJAY
StateFL
Zip32565-2741
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBEG AT NW CORN OF NE4 OF NW4 THN N90*00'E 180 FT THN S0*19' 02E 484 FT THN S90*00'W 180 FT THN N0*19'02W 484 FT TO TH POB AS
Legal Range29W
Legal Township05N
Legal Section30
JurisdictionSANTA ROSA FL
Township / Civil DivisionJAY
Census Block Group2
Census Block2026
Census Tract10200

Owner

Source: Santa Rosa County records · APN 30-5N-29-0000-00404-0000

Assessment roll updated July 1, 2024 · Last verified November 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3903 NOWLING RD, JAY, FL 32565-2741
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 24, 2022Warranty Deed, Transfer · FHA Mortgage
THE MORTGAGE FIRM INC
May 25, 2021Deed of Trust, Mortgage · Conventional Mortgage
MEMBERS FIRST CREDIT UNION OF FLORIDA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 24, 2022 · Amount on Record
Deed SaleMar 24, 2022 · Amount on Record
Prior SaleOct 02, 2008 · Amount on Record
Deed Document Number202217490
Deed Book / Page4262 / 550
Record UpdatedJun 08, 2026

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMar 24, 2022
Property Address3903 NOWLING RD, JAY, FL 32565-2741
Document Number0042620550
Book / Page4262 / 550
Instrument DateFeb 28, 2022
Instrument202217490
Transaction TypeTransfer
Record UpdatedApr 27, 2022
Title CompanySETCO SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,899.80
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3903 NOWLING RD, 3903, JAY, FL 32565-2741

Transferred To (Grantee/Buyer)

NameVerified Name
Address5757 N AIRPORT RD, MILTON, FL 32583-8652

Mortgage

Document Number0004262552
DateMar 24, 2022
Instrument4262/552
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2052

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3903 NOWLING RD, JAY, FL 32565-2741
Transaction TypeMortgage
Record UpdatedDec 14, 2021
Title CompanyFIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3903 NOWLING RD, JAY, FL 32565-2741

Mortgage

Document Number0041230095
DateMay 25, 2021
Book Page4123/95
Instrument202134851
Lender
NameMEMBERS FIRST CREDIT UNION OF FLORIDA
TypeCredit Union
AddressPENSACOLA, FL 32591
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJun 01, 2036

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2024$2,292.00 (+1.46%)$191,908 (+3.26%) Land $15,000 Building $176,908$191,908 (+3.26%) Land $15,000 Building $176,908
2023$2,259.00 (+195.29%) Homeowner's exemption$185,858 (+97.31%) Land $11,000 Building $174,858$185,858 (+15.6%) Land $11,000 Building $174,858
2022$765.00 Homeowner's exemption$94,197$160,774 Land $6,420 Building $154,354

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130102002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 1 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1 in force
1 of 1 on primary residences

Wildfire

Wildfire RiskModerate
above 44% of the US · above 14% of Florida
Wildfire LikelihoodAbout 1 in 1,493 per year
ExposureDirect
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.

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