1. Home
  2. Florida
  3. Santa Rosa County
  4. Jay
  5. Florida Ave

3964 Florida Ave, Jay, FL 32565 Property Records

Santa Rosa County property record for 3964 Florida Ave, Jay, FL 32565 · Last verified November 2025

Property Summary

Details57 bd · 61 ba · 31,560 sqft · built 2011
Lot Size6.78 acres (295,337 sqft)
OwnerCompany Name on File
Last Sale$107,200 (Oct 2009)
Tax Bill$36,890 (2024)
Deeds & MortgagesJan 2026 Line of Credit
Sep 2025 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN41-5N-29-0000-01808-0000

Property Details

APN / Parcel Number

Primary APN41-5N-29-0000-01808-0000

Interior

Bedrooms57 Beds
Full Baths61 Baths
Total Rooms76 Rooms
Stories1 Story
Building Area31,560 sqft Total Area
Gross Area32,534 sqft
1st Floor Area27,626 sqft
Utility Area64 sqft
Utility RoomUtility Room
FlooringCarpet
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2011
Exterior MaterialBrick
Construction TypeWood
Foundation TypeSlab (Mat/Raft)
Roof MaterialShingle
Lot Area295,337 sqft (6.78 acres)
DrivewayDriveway
Driveway Area23,750 sqft
Patio Area2,589 sqft
Canopy2,060 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number415N290000018080000
Street Address3964 FLORIDA AVE
CityJAY
StateFL
Zip32565-1104
Property CategoryCommercial
Property TypeUnknown
Legal Description*DESCRIPTION UPDATE FOR 2021* COM NW CORN OF LOT 3 OF SUB IN DB Q PG 151 THN S 660 FT THN E 517.20 FT THN S 315.25 FT TO POB
Legal Range29W
Legal Township05N
Legal Section41
Legal Lot Number3
JurisdictionSANTA ROSA FL
Township / Civil DivisionJAY
Census Block Group2
Census Block2012
Census Tract10200

Owner

Source: Santa Rosa County records · APN 41-5N-29-0000-01808-0000

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 RecordCompany Name on File
Mailing AddressPO BOX 181, JAY, FL 32565-0181
OccupancyOwner Occupied
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Jan 07, 2026Deed of Trust, Mortgage · Line of Credit
LIVE OAK BANKING COMPANY
Sep 22, 2025Deed of Trust, Mortgage · Line of Credit
UNITED BANK
Jan 07, 2026Deed of Trust, Mortgage · Line of Credit
LIVE OAK BANKING COMPANY
May 11, 2017Loan Modification, Mortgage · Line of Credit
UNITED BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 02, 2009 · Amount on Record
Deed SaleOct 02, 2009 · Amount on Record
Deed Document Number200934472
Deed Book / Page2932 / 1102
Record UpdatedJun 08, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3964 FLORIDA AVE, JAY, FL 32565-1104
Transaction TypeMortgage
Record UpdatedMar 27, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address8715 SW 57TH ST, COOPER CITY, FL 33328-5929

Mortgage

Document Number0046961753
DateJan 07, 2026
Book Page4696/1753
Instrument202601024
Lender
NameLIVE OAK BANKING COMPANY
TypeBank
AddressWILMINGTON, NC 28403
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueJan 06, 2031

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3964 FLORIDA AVE, JAY, FL 32565-1104
Transaction TypeMortgage
Record UpdatedMar 27, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 181, JAY, FL 32565-0181

Mortgage

Document Number0046601596
DateSep 22, 2025
Book Page4660/1596
Instrument202544324
Lender
NameUNITED BANK
TypeBank
AddressMILTON, FL 32570
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueSep 21, 2045
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3964 FLORIDA AVE, JAY, FL 32565-1104
Transaction TypeMortgage
Record UpdatedMar 27, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address8715 SW 57TH ST, COOPER CITY, FL 33328-5929

Mortgage

Document Number0046961796
DateJan 07, 2026
Book Page4696/1796
Instrument202601027
Lender
NameLIVE OAK BANKING COMPANY
TypeBank
AddressWILMINGTON, NC 28403
Agreement
TypeLine of Credit
AmountAmount Recorded

May 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSANTA ROSA FL
Property Address3964 FLORIDA AVE, JAY, FL 32565-1104
Document Number0036231375
Instrument DateMay 11, 2017
Transaction TypeMortgage
Record UpdatedAug 21, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 181 JAY FL 325650181, JAY, FL 32565-0181

Mortgage

Document Number0036231375
DateMay 12, 2017
Book Page003623/001375
Instrument18888
Lender
NameUNITED BK
TypeBank
AddressPO BOX 8, ATMORE, AL 36504-0008
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

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
MunicipalityJay Town
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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2024$36,890.00 (-2.07%) Additional exemption filed$2,347,447 (-0.92%) Land $86,496 Building $2,260,951$2,347,447 (-0.92%) Land $86,496 Building $2,260,951
2023$37,670.00 (+0.1%) Additional exemption filed$2,369,154 (+0.86%) Land $86,496 Building $2,282,658$2,369,154 (+0.86%) Land $86,496 Building $2,282,658
2022$37,633.00 Additional exemption filed$2,348,949$2,348,949 Land $57,664 Building $2,291,285

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
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskLow
above 38% of the US · above 12% of Florida
Wildfire LikelihoodAbout 1 in 1,613 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 113 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Conexon ConnectFiber2,000 / 2,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Dragonfly Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Nearby Properties on Florida Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures