Santa Rosa County property record for 4409 O'Hara Dr, Jay, FL 32565
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,983 sqft · built 2022 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $594,900 (Dec 2022) |
| Tax Bill | $3,578 (2024) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Jan 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-3N-29-U713-00201-0000 |
| Primary APN | 15-3N-29-U713-00201-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 2,983 sqft Heated Area |
| 1st Floor Area | 3,811 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 3,500 ft deep x 1,250 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 330 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 153N29U713002010000 |
|---|---|
| Street Address | 4409 OHARA DR |
| City | JAY |
| State | FL |
| Zip | 32565-9541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-RR |
| Legal Description | SECTION 15 TOWNSHIP 3N RANGE 29 WEST SCARLETTS WAY LOT 1 - A PORT OF LANDS DESC IN OR BK 4046 PG 1890, BEING MORE PARTIC DES |
| Legal Subdivision | WEST |
| Legal Lot Number | 1 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | ALLENTOWN |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 10400 |
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 Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4409 OHARA DR, JAY, FL 32565-9541 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2022 | Warranty Deed, Subdivision Related Transfer · VA Mortgage NAVY FCU |
| Jan 21, 2022 | Warranty Deed, Transfer NOT AVAILABLE, SENTINEL TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2022 · Amount on Record |
| Deed Sale | Dec 21, 2022 · Amount on Record |
| Prior Sale | Jan 21, 2022 · Amount on Record |
| Deed Document Number | 202269344 |
| Deed Book / Page | 4354 / 249 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Dec 21, 2022 |
| Property Address | 4409 OHARA DR, JAY, FL 32565-9541 |
| Document Number | 0043540249 |
| Book / Page | 4354 / 249 |
| Map Reference | MB 4046 PG 1890 |
| Instrument Date | Dec 20, 2022 |
| Instrument | 202269344 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 16, 2024 |
| Title Company | NOT AVAILABLE, SENTINEL TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,164.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 29891 WOODROW LN STE 100, 100, SPANISH FORT, AL 36527-8774 |
| Name | Verified Name |
|---|---|
| Address | 4409 OHARA DR, JAY, FL 32565-9541 |
| Document Number | 0004354251 |
|---|---|
| Date | Dec 21, 2022 |
| Instrument | 4354/251 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 21, 2022 |
| Property Address | 4409 OHARA DR, JAY, FL 32565-9541 |
| Document Number | 0042360119 |
| Book / Page | 4236 / 119 |
| Map Reference | MB 4046 PG 1890 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 202203909 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2024 |
| Title Company | NOT AVAILABLE, SENTINEL TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $6,615.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6585 SHADY HOLLOW DR, PACE, FL 32571-9162 |
| Name | Verified Name |
|---|---|
| Address | 29891 WOODROW LN, SPANISH FORT, AL 36527-8773 |
| Investor | Possibly a Property Investor |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $3,578.00 (+5.55%) Homeowner's exemption | $338,191 (+6.63%) | $450,425 (+10.1%) Land $50,000 Building $400,425 |
| 2023 | $3,390.00 | $317,175 | $409,103 (-31.23%) Land $45,000 Building $364,103 |
| $594,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | POINT BAKER WATER SYSTEM, INC. private · serves 11,318 people · EPA ID FL1570540 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 17 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 |
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