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4340 Watermill Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 4340 Watermill Rd, Jay, FL 32565

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 882 sqft · built 1935
Lot Size0.49 acres (21,344 sqft)
OwnerIndividual Name on File
Tax Bill$358 (2024)
Deeds & MortgagesFeb 2022 Transfer
Flood ZoneZone X (minimal risk)
APN23-5N-29-0000-00901-0000

Property Details

APN / Parcel Number

Primary APN23-5N-29-0000-00901-0000
Alternative APN
  • N295230000009010000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area882 sqft Living Area
Gross Area1,148 sqft
1st Floor Area882 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1935
Effective Year BuiltEffective 1935
Exterior MaterialWood
Construction TypeWood
Foundation TypeNo Foundation
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area21,344 sqft (0.49 acres)
Lot Dimensions264 ft deep x 81 ft wide

Exterior Amenities

PorchFinished/Open Porch
Porch Area266 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Heating SystemConvection

Location & Zoning

Street Address4340 WATERMILL RD
CityJAY
StateFL
Zip32565-1424
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-RR
Legal Description*DESCRIPTION UPDATE FOR 2022** SECTION 23 TWNSHP 5N RANGE 29W, BEG AT SE COR OF SE4 OF NE4 TH W 243 FT TO POB TH N 264 FT TH W 81 FT TH S 264 FT TH E 81 FT TO POB AS DES IN OR 3041 PG 547 & AS DES IN OR 3705 PG 1355 & IN OR 4246 PG 698 LESS ALL MINER
Legal Range29W
Legal Township5N
Legal Section23
JurisdictionSANTA ROSA FL
Township / Civil DivisionJAY
Census Block Group2
Census Block2007
Census Tract10200

Owner

Source: Santa Rosa County records, as of December 8, 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 RecordIndividual Name on File
Mailing Address4340 WATERMILL RD, JAY, FL 32565-1424
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateFeb 15, 2022
Transfer Doc0042460698
Record UpdatedSep 20, 2026

February 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA ROSA FL
Recording DateFeb 15, 2022
Property Address4340 WATERMILL RD, JAY, FL 32565-1424
Document Number0042460698
Book / Page4246 / 698
Instrument DateFeb 15, 2022
Instrument202209008
Transaction TypeTransfer
Record UpdatedApr 7, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4340 WATERMILL RD, JAY, FL 32565-1424

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$48,191 (+2.9%)$71,495 (+13.88%) Land $11,700 Building $59,795
2024$358.00 (+3.47%) Homeowner's exemption$46,833 (+3%)$62,782 (+5.04%) Land $9,000 Building $53,782
2023$346.00 (-12.41%) Homeowner's exemption Additional exemption filed$45,469 (+3.88%)$59,770 (+4.34%) Land $8,100 Building $51,670
2022$395.00 Homeowner's exemption Additional exemption filed$43,771$57,284 Land $5,400 Building $51,884

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 RiskModerate
above 42% of the US · lower than 86% of Florida
Wildfire Likelihood0.07% 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 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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