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4101 James Jernigan Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 4101 James Jernigan Rd, Jay, FL 32565

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,320 sqft · built 2011
Lot Size1.01 acres (43,996 sqft)
OwnerIndividual Name on Record
Last Sale$252,500 (Mar 2021)
Tax Bill$110 (2024)
Deeds & MortgagesDec 2020 Mortgage
Mar 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN31-5N-27-0000-00501-0000

Property Details

APN / Parcel Number

Primary APN31-5N-27-0000-00501-0000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,320 sqft Heated Area
Gross Area2,442 sqft
1st Floor Area1,803 sqft
FlooringWood
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 2011
Exterior MaterialLogs
Construction TypeWood
Foundation TypeMasonry
Roof MaterialMetal
Lot Area43,996 sqft (1.01 acres)
Garage Area1 sqft
Parking Spaces4 Parking Spaces
RV ParkingRV Parking
PorchOpen Porch
Porch Area639 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number315N270000005010000
Street Address4101 JAMES JERNIGAN RD
CityJAY
StateFL
Zip32565-2517
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-RR
Legal Description*DESCRIPTION UPDATE FOR 2021* COM AT NW CORNER OF SW4 OF NW4 OF SECTION 31 TOWNSHP 5 NORTH RANGE 27 WEST THN E ALONG QTR LN
Legal Range27W
Legal Township05N
Legal Section31
Legal SubdivisionWEST
JurisdictionSANTA ROSA FL
Township / Civil DivisionBERRYDALE
Census Block Group4
Census Block4072
Census Tract10100

Owner

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

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address4101 JAMES JERNIGAN RD, JAY, FL 32565-2517
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 30, 2020Deed of Trust, Mortgage · Conventional Mortgage
FIDELITY BANK
Mar 3, 2021Warranty Deed, Transfer · VA Mortgage
THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 3, 2021 · Amount on Record
Deed SaleMar 3, 2021 · Amount on Record
Prior SaleJan 18, 2011 · Amount on Record
Deed Document Number0040801772
Deed Book / Page4080 / 1772
Record UpdatedJun 8, 2026

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address4101 JAMES JERNIGAN RD, JAY, FL 32565-2517
Transaction TypeMortgage
Record UpdatedMar 17, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address4101 JAMES JERNIGAN RD, JAY, FL 32565-2517

Mortgage

Document Number0040491097
DateDec 30, 2020
Book Page4049/1097
Instrument202070706
Lender
NameFIDELITY BANK
TypeBank
AddressMANDEVILLE, LA 70471
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMar 3, 2021
Property Address4101 JAMES JERNIGAN RD, JAY, FL 32565-2517
Document Number0040801772
Book / Page4080 / 1772
Instrument DateMar 3, 2021
Instrument202113923
Transaction TypeTransfer
Record UpdatedDec 14, 2021
Title CompanyGUARANTEED TITLE COMPANY, GUARANTEE TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,767.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4101 JAMES JERNIGAN RD, 4101, JAY, FL 32565-2517

Transferred To (Grantee/Buyer)

NameVerified Name
Address4101 JAMES JERNIGAN RD, JAY, FL 32565-2517

Mortgage

Document Number0040801775
DateMar 3, 2021
Instrument4080/1775
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2024$110.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$117,573 (+3%)$175,493 (+0.9%) Land $9,090 Building $166,403
2023$110.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed$114,149 (+3%)$173,927 (+4.78%) Land $9,090 Building $164,837
2022$110.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed$110,824$165,991 Land $6,060 Building $159,931

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.

Flood

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 Policies3 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 RiskModerate
above 68% of the US · above 48% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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 SystemBERRYDALE WATER SYSTEM
serves 2,800 people · EPA ID FL1570064
Water SourceGroundwater
Last State InspectionJul 2024
Lead2 ppb (2024)
action level 15 ppb

Violations Reported to EPA

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

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

Cell Coverage

5G and 4G LTE (outdoors only)

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