3988 Hwy 182, Jay, FL 32565 Property Records

Santa Rosa County property record for 3988 Hwy 182, Jay, FL 32565

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 2,356 sqft · built 2001
Lot Size	6.55 acres (285,318 sqft)
Owner	Individual Name on File
Last Sale	$273,000 (Sep 2023)
Tax Bill	$2,025 (2024)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-3N-29-0000-00101-0000`

Property Details

APN / Parcel Number

Primary APN	`09-3N-29-0000-00101-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,356 sqft Heated Area
1st Floor Area	2,356 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Material	Shingle
Lot Area	285,318 sqft (6.55 acres)
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	093N290000001010000
Street Address	3988 HIGHWAY 182
City	JAY
State	FL
Zip	32565-7300
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	AG-RR
Legal Description	NEWLY DESCRIBED FOR 2024 BEGIN AT THE I/S OF TH N R/W LI OF COUNTY RD 182 & TH E LI OF TH SW4 OF 09-3N-29W THN N00*00'00E
Legal Range	29W
Legal Township	03N
Legal Section	09
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	1
Census Block	1019
Census Tract	10400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1012 LYNN DR, EFFINGHAM, IL 62401-3903
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2023 · Amount on File
Deed Sale	Sep 19, 2023 · Amount on File
Prior Sale	Jul 6, 2007 · Amount on File
Deed Document Number	202342710
Deed Book / Page	4435 / 754
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 19, 2023
Property Address	3988 HIGHWAY 182, JAY, FL 32565-7300
Document Number	0044350754
Book / Page	4435 / 754
Instrument Date	Sep 18, 2023
Instrument	202342710
Transaction Type	Transfer
Record Updated	Oct 26, 2023
Title Company	GUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,911.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3988 HIGHWAY 182, JAY, FL 32565-7300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 LYNN DR, EFFINGHAM, IL 62401-3903

Mortgage

Document Number	0004435758
Date	Sep 19, 2023
Instrument	4435/758

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$2,025.00 (+102.5%)	$168,393 (+83.33%) Land $73,360 Building $95,033	$168,393 (+83.33%) Land $73,360 Building $95,033
2023	$1,000.00 (+2.56%)	$91,852 (-) Land $89,600 Building $2,252	$91,852 (-) Land $89,600 Building $2,252
2022	$975.00	$91,852	$91,852 Land $89,600 Building $2,252

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	4 (1998–2020)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims

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 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.1% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Conexon Connect Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy 182

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