Santa Rosa County property record for 4425 O'Hara Dr, Jay, FL 32565
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,733 sqft · built 2023 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $495,000 (May 2023) |
| Tax Bill | $4,607 (2025) |
| Deeds & Mortgages | May 2026 Mortgage May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-3N-29-U713-00203-0000 |
| Primary APN | 15-3N-29-U713-00203-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,733 sqft Living Area |
| Gross Area | 4,945 sqft |
| 1st Floor Area | 2,733 sqft |
| Flooring | Wood |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 350 ft deep x 125 ft wide |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Porch | Open Porch |
| Porch Area | 720 sqft |
| Patio Area | 189 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4425 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 | *DESCRIPTION UPDATE FOR 2023** SECTION 15 TOWNSHIP 3N RANGE 2 9W SCARLETTS WAY LOT 3 - A PORT OF LANDS DES IN OR BK 4046 PG 1890, BEING MORE PARTIC DES AS FOLL: COM AT NW COR OF NE4 OF SECTION 15; THN S02*53'30W FOR 51.00 FT ALONG W LINE OF N E4 OF S |
| Legal Subdivision | SCARLETTS WAY UNREC |
| Legal Lot Number | 3 |
| 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 June 8, 2026
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 |
|---|---|
| Mailing Address | 4425 OHARA DR, JAY, FL 32565-9541 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · VA Mortgage MOVEMENT MORTGAGE |
| May 1, 2023 | Warranty Deed, Subdivision Related Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2023 · Amount on Record |
| Deed Sale | May 1, 2023 · Amount on Record |
| Prior Sale | Jan 21, 2022 · Amount on Record |
| Deed Document Number | 202318652 |
| Deed Book / Page | 4390 / 316 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 15, 2026 |
| Property Address | 4425 OHARA DR, JAY, FL 32565-9541 |
| Document Number | 0047441067 |
| Book / Page | 4744 / 1067 |
| Instrument Date | May 8, 2026 |
| Instrument | 202624583 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4425 OHARA DR, JAY, FL 32565-9541 |
| Investor | Possibly a Property Investor |
| Document Number | 0000024583, |
|---|---|
| Date | May 15, 2026 |
| Book Page | 4744/1067 |
| Instrument | 202624583 |
| Name | MOVEMENT MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 1, 2023 |
| Property Address | 4425 OHARA DR, JAY, FL 32565-9541 |
| Document Number | 0043900316 |
| Book / Page | 4390 / 316 |
| Map Reference | MB 4046 PG 1890 |
| Instrument Date | Apr 28, 2023 |
| Instrument | 202318652 |
| 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 | $3,465.00 |
| 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 | 4425 OKARA DRIVE, JAY, FL 32565-9541 |
| Document Number | 0004390318 |
|---|---|
| Date | May 1, 2023 |
| Instrument | 4390/318 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2053 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| 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 |
|---|---|---|---|
| 2025 | $4,607.00 (+7.44%) Homeowner's exemption Veteran's exemption | $429,566 (+5.9%) Land $50,000 Building $379,566 | $429,566 (+5.9%) Land $50,000 Building $379,566 |
| 2024 | $4,288.00 (+703%) Homeowner's exemption Disabled Person's exemption | $405,625 (+801.39%) Land $50,000 Building $355,625 | $405,625 (+801.39%) Land $50,000 Building $355,625 |
| 2023 | $534.00 (+138.39%) | $45,000 (+15%) Land $45,000 | $45,000 (+15%) Land $45,000 |
| 2022 | $224.00 | $18,000 | $18,000 Land $18,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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: 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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