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4026 McCutchin Dr, Jay, FL 32565 Property Records

Santa Rosa County property record for 4026 McCutchin Dr, Jay, FL 32565

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 729 sqft · built 2022
Lot Size0.22 acres (9,583 sqft)
OwnerIndividual Name on File
Last Sale$172,000 (Jul 2023)
Tax Bill$542 (2024)
Deeds & MortgagesJul 2023 Sale & Mortgage
Sep 2022 Sale & Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN41-5N-29-1970-00A00-0470

Property Details

APN / Parcel Number

Primary APN41-5N-29-1970-00A00-0470
Alternative APN
  • N29541197000A000470

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area729 sqft Living Area
Gross Area945 sqft
1st Floor Area729 sqft
FlooringWood

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area9,583 sqft (0.22 acres)
Lot Dimensions120 ft deep x 80 ft wide
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address4026 MCCUTCHIN DR
CityJAY
StateFL
Zip32565-1194
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRM
Legal DescriptionJAY ROSA LOT 47 BLK A AS DES IN OR 4417 PG 323
Legal Range29W
Legal Township5N
Legal Section41
Legal SubdivisionJAY ROSA
Legal BlockA
Legal Lot Number47
JurisdictionSANTA ROSA FL
Township / Civil DivisionJAY
Census Block Group2
Census Block2020
Census Tract10200

Owner

4026 McCutchin Dr is owned and occupied by an individual who bought it in July 2023.

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

Owner of RecordIndividual Name on File
Mailing Address4026 MCCUTCHIN DR, JAY, FL 32565-1194
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jul 21, 2023Warranty Deed, Transfer · Conventional Mortgage
UNIVERSITY BANK
Sep 15, 2022Warranty Deed, Transfer · FHA Mortgage
EVERETT FINANCIAL INC
Feb 8, 2022Warranty Deed, Subdivision Related Transfer
CLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL
Feb 8, 2022Quit Claim Deed, Transfer
CLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL
Dec 28, 2018Quit Claim Deed, Transfer
Quitclaim
Jan 31, 2019Correction Deed

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 21, 2023 · Amount on File
Deed SaleJul 21, 2023 · Amount on File
Prior SaleSep 15, 2022 · Amount on File
Deed Document Number202332754
Deed Book / Page4417 / 323
Prior Transfer DateJan 31, 2022
Prior Transfer Doc0042430586
Record UpdatedSep 20, 2026

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJul 21, 2023
Property Address4026 MCCUTCHIN DR, JAY, FL 32565-1194
Document Number0044170323
Book / Page4417 / 323
Map ReferenceMB C PG 1
Instrument DateJul 21, 2023
Instrument202332754
Transaction TypeTransfer
Record UpdatedAug 24, 2023
Title CompanyFIRST INTERNATIONAL TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,204.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2360 OLD MARTIN RD, BAKER, FL 32531-8518

Transferred To (Grantee/Buyer)

NameVerified Name
Address4026 MCCUTCHIN DR, JAY, FL 32565-1194

Mortgage

Document Number0004417325
DateJul 21, 2023
Instrument4417/325
Lender
NameUNIVERSITY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2053

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateSep 15, 2022
Property Address4026 MCCUTCHIN DR, JAY, FL 32565-1194
Document Number0043261101
Book / Page4326 / 1101
Map ReferenceMB C PG 1
Instrument DateSep 15, 2022
Instrument202253370
Transaction TypeTransfer
Record UpdatedApr 16, 2024
Title CompanyFIRST INTERNATIONAL TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,085.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4531 JUDE WAY, MILTON, FL 32571-7403

Transferred To (Grantee/Buyer)

NameVerified Name
Address4026 MCCUTCHIN DR, JAY, FL 32565-1194

Mortgage

Document Number0043261103
DateSep 15, 2022
Instrument4326/1103
Lender
NameEVERETT FINANCIAL INC
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2052

February 2022: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateFeb 8, 2022
Property Address4026 MCCUTCHIN DR, JAY, FL 32565-1194
Document Number0042430587
Book / Page4243 / 587
Map ReferenceMB C PG 1
Instrument DateFeb 4, 2022
Instrument202207407
Transaction TypeSubdivision Related Transfer
Record UpdatedApr 16, 2024
Title CompanyCLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL

Transaction

AmountAmount on Record
Tax$979.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3578 HIGHWAY 4, JAY, FL 32565-1720

Transferred To (Grantee/Buyer)

NameVerified Name
Address4026 MCCUTCHIN DR, JAY, FL 32565-1194

February 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA ROSA FL
Recording DateFeb 8, 2022
Property Address4026 MCCUTCHIN DR, JAY, FL 32565-1194
Document Number0042430586
Book / Page4243 / 586
Map ReferenceMB C PG 1
Instrument DateJan 31, 2022
Instrument202207406
Transaction TypeTransfer
Record UpdatedApr 16, 2024
Title CompanyCLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address4215 COUNTRY MILL RD, JAY, FL 32565-2629

Transferred To (Grantee/Buyer)

NameVerified Name
Address3578 HIGHWAY 4, JAY, FL 32565-1720

December 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA ROSA FL
Recording DateDec 28, 2018
Property Address4026 MCCUTCHIN DR, JAY, FL 32565-1194
Document Number0037930953
Book / Page003793 / 000953
Instrument DateDec 28, 2018
Instrument54726
Transaction TypeTransfer
Record UpdatedFeb 1, 2019

Transaction

AmountAmount on Record
Tax$105.00
Amount AccuracyConfirmed
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3578 HIGHWAY 4 JAY FL 325651720, JAY, FL 32565-1720

January 2019: Correction Deed

Document TypeCorrection Deed
JurisdictionSANTA ROSA FL
Recording DateJan 31, 2019
Property Address4026 MCCUTCHIN DR, JAY, FL 32565-1194
Document Number0038001174
Book / Page003800 / 001174
Instrument DateDec 28, 2018
Instrument3808
Record UpdatedFeb 27, 2019

Transaction

AmountAmount on Record
Tax$105.00
Amount AccuracyConfirmed
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3578 HWY 4 SANTA ROSA FL, SANTA ROSA, FL

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$76,031 (+2.9%)$135,421 (+7.92%) Land $14,000 Building $121,421
2024$542.00 (-55.72%) Homeowner's exemption Widower's exemption$73,888 (-35%)$125,485 (+10.39%) Land $14,000 Building $111,485
2023$1,224.00 (+1,842.86%) Homeowner's exemption$113,673 (+2,741.83%) Land $12,000 Building $101,673$113,673 (+2,741.83%) Land $12,000 Building $101,673
2022$63.00$4,000$4,000 Land $4,000

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

Flood

FEMA maps place 4026 McCutchin Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1 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

Wildfire risk around 4026 McCutchin Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemJAY, TOWN OF - UTILITIES DEPT.
serves 1,834 people · EPA ID FL1570384
Water SourceGroundwater
Last State InspectionMar 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 87 locations within half a mile, as of December 31, 2025

ProviderMax 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

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