Santa Rosa County property record for 4448 Watermill Rd, Jay, FL 32565
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,682 sqft · built 1945 |
| Lot Size | 0.93 acres (40,511 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $225,000 (Nov 2021) |
| Tax Bill | $1,209 (2024) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Nov 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-5N-29-0000-00400-0000 |
| Primary APN | 24-5N-29-0000-00400-0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,682 sqft Heated Area |
| Gross Area | 2,662 sqft |
| 1st Floor Area | 1,682 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Shingle |
| Lot Area | 40,511 sqft (0.93 acres) |
| Garage Type | Mixed |
| Garage Area | 266 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 308 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 245N290000004000000 |
|---|---|
| Street Address | 4448 WATERMILL RD |
| City | JAY |
| State | FL |
| Zip | 32565-1432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-RR |
| Legal Description | *DESCRIPTON UPDATED FOR 2022* COM SE COR S4 OF NW4 SECTION 24 TOWNSHIP RANGE 29 WEST TH N86*31'47W 1308.32 FT TO POB TH CONT |
| Legal Range | 29W |
| Legal Township | 05N |
| Legal Section | 24 |
| Legal Subdivision | WEST |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | JAY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 10200 |
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 | 4448 WATERMILL RD, JAY, FL 32565-1432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2021 | Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Nov 24, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 24, 2021 · Amount on Record |
| Deed Sale | Nov 24, 2021 · Amount on Record |
| Prior Sale | Nov 24, 2021 |
| Deed Document Number | 0004212641 |
| Deed Book / Page | 4212 / 641 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 24, 2021 |
| Property Address | 4448 WATERMILL RD, JAY, FL 32565-1432 |
| Document Number | 0042120641 |
| Book / Page | 4212 / 641 |
| Instrument Date | Nov 24, 2021 |
| Instrument | 202178633 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4448 WATERMILL RD, JAY, FL 32565-1432 |
| Document Number | 0004212644 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 4212/644 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Number | 0042120658 |
|---|---|
| Date | Nov 24, 2021 |
| Book Page | 4212/658 |
| Instrument | 202178635 |
| Name | NATIONAL HOMEBUYERS FUND INC |
|---|---|
| Type | Mortgage Company |
| Address | SACRAMENTO, CA 95814 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 24, 2021 |
| Property Address | 4448 WATERMILL RD, JAY, FL 32565-1432 |
| Document Number | 0042120614 |
| Book / Page | 4212 / 614 |
| Instrument Date | Nov 20, 2021 |
| Instrument | 202178630 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 214 TWIN BRIDGES RD, FLOMATON, AL 36441 |
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 | $1,209.00 (+2.37%) Homeowner's exemption | $134,771 (+3%) | $139,795 (+1.89%) Land $10,000 Building $129,795 |
| 2023 | $1,181.00 (+2.87%) Homeowner's exemption | $130,846 (+3%) | $137,206 (+8.01%) Land $9,000 Building $128,206 |
| 2022 | $1,148.00 Homeowner's exemption | $127,035 | $127,035 Land $6,000 Building $121,035 |
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | JAY, TOWN OF - UTILITIES DEPT. serves 1,834 people · EPA ID FL1570384 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2024) 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
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