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4174 Watermill Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 4174 Watermill Rd, Jay, FL 32565

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,823 sqft · built 1975
Lot Size3 acres (130,680 sqft)
Owner2 Individual Names on File
Last Sale$400,000 (Apr 2023)
Tax Bill$5,596 (2024)
Deeds & MortgagesJul 2025 Sale & Mortgage
Apr 2023 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN23-5N-29-0000-00300-0000

Property Details

APN / Parcel Number

Primary APN23-5N-29-0000-00300-0000
Alternative APN
  • N295230000003000000

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories3 Stories
Building Area3,823 sqft Living Area
Gross Area7,622 sqft
1st Floor Area2,995 sqft
Upper Floors Area828 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1975
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area130,680 sqft (3 acres)
Garage TypeAttached
Garage Area675 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area2,469 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address4174 WATERMILL RD
CityJAY
StateFL
Zip32565-1430
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-RR
Legal Description*DESCRIPTION UPDATE FOR 2023** COM AT NE CORN OF 23-5N-29W THN N86*1604W 660.87 FT THN CONT 660.87 FT THN S02*3830W 778.19 FT TO POB THN CONT 389.75 FT THN S88*5604E 336. 98 FT THN N02*3830E 389.75 F T THN N88*5604W 336.98 FT TO THE POB AS DES IN OR
Legal Range29W
Legal Township5N
Legal Section23
JurisdictionSANTA ROSA FL
Township / Civil DivisionJAY
Census Block Group2
Census Block2007
Census Tract10200

Owner

Source: Santa Rosa County assessment roll, 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 Record2 Individual Names on File
Mailing Address4174 WATERMILL RD, JAY, FL 32565-1430
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 9, 2025Warranty Deed, Transfer · Conventional Mortgage
SANTA ROSA COUNTY FCU
Apr 27, 2023Warranty Deed, Transfer · Conventional Mortgage
USAA FSB
Jul 1, 2022Warranty Deed, Transfer
ACCOMODATION, ACCOMMODATION
Jul 1, 2022Warranty Deed, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 27, 2023 · Amount on Record
Deed SaleApr 27, 2023 · Amount on Record
Deed Document Number202318078
Deed Book / Page4388 / 2082
Prior Transfer DateJul 1, 2022
Prior Transfer Doc0043020264
Record UpdatedSep 20, 2026

July 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJul 9, 2025
Property Address4174 WATERMILL RD, JAY, FL 32565-1430
Document Number0046352075
Book / Page4635 / 2075
Instrument DateJul 3, 2025
Instrument202531527
Transaction TypeTransfer
Record UpdatedJun 9, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$282.80
Amount AccuracyRounded by County

Transferred From (Grantor/Seller)

NameVerified Name
Address4174 WATERMILL RD, JAY, FL 32565-1430

Transferred To (Grantee/Buyer)

NameVerified Name
Address4174 WATERMILL RD, JAY, FL 32565-1430

Mortgage

Document Number0046352078
DateJul 9, 2025
Book Page4635/2078
Instrument202531528
Lender
NameSANTA ROSA COUNTY FCU
TypeCredit Union
AddressMILTON, FL 32572
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueJul 9, 2035

April 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateApr 27, 2023
Property Address4174 WATERMILL RD, JAY, FL 32565-1430
Document Number0043882082
Book / Page4388 / 2082
Instrument DateApr 26, 2023
Instrument202318078
Transaction TypeTransfer
Record UpdatedApr 16, 2024
Title CompanyGUARANTEE TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,800.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 88, JAY, FL 32565-0088

Transferred To (Grantee/Buyer)

NameVerified Name
Address5225 ROWE TRL, PACE, FL 32571-9540

Mortgage

Document Number0043890001
DateApr 27, 2023
Book Page4389/1
Instrument202318079
Lender
NameUSAA FSB
TypeBank
AddressSAN ANTONIO, TX 78288
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2053

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJul 1, 2022
Property Address4174 WATERMILL RD, JAY, FL 32565-1430
Document Number0043020269
Book / Page4302 / 269
Map ReferenceMB 1383 PG 342
Instrument DateJul 1, 2022
Instrument202239503
Transaction TypeTransfer
Record UpdatedApr 16, 2024
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5194 DOGWOOD DR, MILTON, FL 32570-5703

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 88, JAY, FL 32565-0088

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateJul 1, 2022
Property Address4174 WATERMILL RD, JAY, FL 32565-1430
Document Number0043020264
Book / Page4302 / 264
Instrument DateJul 1, 2022
Instrument202239502
Transaction TypeTransfer
Record UpdatedApr 16, 2024
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 88, JAY, FL 32565-0088

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipIrrevocable Trust
Address5194 DOGWOOD DR, MILTON, FL 32570-5703

Tax Assessment & Valuation

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

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
2025$491,868 (+3.01%) Land $37,050 Building $454,818$491,868 (+3.01%) Land $37,050 Building $454,818
2024$5,596.00 (+2.74%)$477,494 (+4.54%) Land $28,500 Building $448,994$477,494 (+1.6%) Land $28,500 Building $448,994
2023$5,447.00 (+3.16%)$456,749 (+4.3%) Land $13,770 Building $442,979$469,979 (-5.16%) Land $13,770 Building $456,209
2022$5,280.00$437,898 Land $11,790 Building $426,108$495,558

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 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

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

Wildfire RiskLow
lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood0.06% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 17 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Conexon Connect
Fiber		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20

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