3972 Country Mill Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 3972 Country Mill Rd, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,992 sqft · built 2003
Lot Size	12.7 acres (554,954 sqft)
Owner	2 Individual Names on Record
Last Sale	$263,000 (Apr 2020)
Tax Bill	$2,067 (2024)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38-5N-29-0000-00111-0000`

Property Details

APN / Parcel Number

Primary APN	`38-5N-29-0000-00111-0000`
Alternative APN	`N295380000001110000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,992 sqft Living Area
Gross Area	3,272 sqft
1st Floor Area	1,224 sqft
Upper Floors Area	768 sqft
Flooring	Wood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Logs
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	554,954 sqft (12.7 acres)
Lot Dimensions	828 ft deep x 405 ft wide
Garage Type	Carport
Garage Area	576 sqft
Carport	Carport
Carport Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	448 sqft
Deck Area	32 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	3972 COUNTRY MILL RD
City	JAY
State	FL
Zip	32565-2239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATE FOR 2020 PARCEL A DES AS FOLLOWS: BEG NE CORNER OF NW4 OF NE4 OF SECTION 38 TOWNSHIP 5 NORTH RANGE 29 WEST THN S25646W 404.76 FT THN N85 4811W 828.48 FT THN N13234 E 405.10 FT TO N SEC LN THN S 854811E ON N LN 838.40 FT TO PO
Legal Range	29W
Legal Township	5N
Legal Section	38
Jurisdiction	SANTA ROSA FL
Township / Civil Division	BERRYDALE
Census Block Group	2
Census Block	2001
Census Tract	10200

Owner

Source: Santa Rosa County records, as of December 8, 2025

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 Record
Mailing Address	3972 COUNTRY MILL RD, JAY, FL 32565-2239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2020	Warranty Deed, Transfer NAVY FCU
Aug 30, 2017	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2020 · Amount on Record
Deed Sale	Apr 24, 2020 · Amount on Record
Prior Sale	Aug 30, 2017 · Amount on Record
Deed Document Number	202019452
Deed Book / Page	3942 / 2000
Prior Transfer Date	Apr 13, 2010
Prior Transfer Doc	0029731652
Record Updated	Jun 8, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 24, 2020
Property Address	3972 COUNTRY MILL RD, JAY, FL 32565-2239
Document Number	0039422000
Book / Page	003942 / 002000
Instrument Date	Apr 24, 2020
Instrument	19452
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,841.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3972 COUNTRY MILL RD JAY FL 32565, JAY, FL 32565

Mortgage

Document Number	39422003
Date	Apr 24, 2020
Book Page	003942/002003
Instrument	19453

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 30, 2017
Property Address	3972 COUNTRY MILL RD, JAY, FL 32565-2239
Document Number	0036561768
Book / Page	3656 / 1768
Instrument Date	Aug 29, 2017
Instrument	201735975
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	CLEAR TITLE OF NORTHWEST FLO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,743.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1011, JAY, FL 32565-2011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3972 COUNTRY MILL RD, JAY, FL 32565-2239

Mortgage

Document Number	0201735976
Date	Aug 30, 2017
Instrument	201735976

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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		$211,352 (+2.9%)	$262,264 (+2.33%) Land $62,388 Building $199,876
2024	$2,067.00 (+1.87%) Homeowner's exemption	$205,400 (+3%)	$256,282 (+4.1%) Land $62,388 Building $193,894
2023	$2,029.00 (+2.42%) Homeowner's exemption	$199,422 (+3%)	$246,187 (+9.23%) Land $56,164 Building $190,023
2022	$1,981.00 Homeowner's exemption	$193,618	$225,379 Land $37,492 Building $187,887

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force

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 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% 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, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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