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4457 O'Hara Dr, Jay, FL 32565 Property Records

Santa Rosa County property record for 4457 O'Hara Dr, Jay, FL 32565 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,550 sqft · built 2023
Lot Size1 acres (43,734 sqft)
Owner2 Individual Names on File
Tax Bill$165 (2024)
Deeds & MortgagesOct 2023 Mortgage
Apr 2023 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN15-3N-29-U713-00207-0000

Property Details

APN / Parcel Number

Primary APN15-3N-29-U713-00207-0000
Alternative APN
  • N29315U713002070000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,550 sqft Living Area
Gross Area3,374 sqft
1st Floor Area2,550 sqft
FlooringWood
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialBrick
Construction TypeWood
Roof MaterialWood Shingle
Lot Area43,734 sqft (1 acres)
Lot Dimensions350 ft deep x 125 ft wide
Garage TypeAttached
Garage Area501 sqft
PorchFinished/Open Porch
Porch Area323 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address4457 OHARA DR
CityJAY
StateFL
Zip32565-9541
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description*DESCRIPTION UPDATE FOR 2023* SECTION 15 TOWNSHIP 3N RANGE 29W SCARLETTS WAY LOT 7 - 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*5330W FOR 51.00 FT ALONG W LINE OF N E4 OF SAID
Legal SubdivisionSCARLETTS WAY UNREC
Legal Lot Number7
JurisdictionSANTA ROSA FL
Township / Civil DivisionALLENTOWN
Census Block Group1
Census Block1022
Census Tract10400

Owner

Source: Santa Rosa County records · APN 15-3N-29-U713-00207-0000

Assessment roll updated December 8, 2025 · Last verified August 2026

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 Address4457 OHARA DR, JAY, FL 32565-9541
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 06, 2023Deed of Trust, Mortgage · VA Mortgage
NAVY FCU
Apr 17, 2023Re-recorded Document · VA Mortgage
NAVY FCU
Apr 14, 2023Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
NAVY FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 17, 2023
Deed SaleApr 17, 2023
Prior SaleApr 14, 2023 · Amount on Record
Deed Document Number202316314
Deed Book / Page4385 / 1501
Record UpdatedSep 20, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address4457 OHARA DR, JAY, FL 32565-9541
Transaction TypeMortgage
Record UpdatedOct 26, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3567 HALEY WAY, PACE, FL 32571-6854

Mortgage

Document Number0044401975
DateOct 06, 2023
Book Page4440/1975
Instrument202345558
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term355 Months
DueMay 01, 2053

April 2023: Re-recorded Document

Document TypeRe-recorded Document
JurisdictionSANTA ROSA FL
Recording DateApr 17, 2023
Property Address4457 OHARA DR, JAY, FL 32565-9541
Document Number0043851501
Book / Page4385 / 1501
Map ReferenceMB 4046 PG 1890
Instrument DateApr 10, 2023
Instrument202316314
Record UpdatedMay 19, 2023
Title CompanySENTINEL TITLE LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address29891 WOODROW LN STE 100, 100, SPANISH FORT, AL 36527-8774

Transferred To (Grantee/Buyer)

NameVerified Name
Address4457 OHARA DR, JAY, FL 32565-9541

Mortgage

Document Number0043851503
DateApr 17, 2023
Book Page4385/1503
Instrument202316315
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2053

April 2023: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateApr 14, 2023
Property Address4457 OHARA DR, JAY, FL 32565-9541
Document Number0043850775
Book / Page4385 / 775
Map ReferenceMB 4046 PG 1890
Instrument DateApr 10, 2023
Instrument202316109
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 19, 2023
Title CompanyNOT AVAILABLE, SENTINEL TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,115.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address29891 WOODROW LN STE 100, 100, SPANISH FORT, AL 36527-8774

Transferred To (Grantee/Buyer)

NameVerified Name
Address4457 OHARA DR, JAY, FL 32565-9541

Mortgage

Document Number0004385777
DateApr 14, 2023
Instrument4385/777
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2053

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$358,112 (-1.85%) Land $50,200 Building $307,912$358,112 (-1.85%) Land $50,200 Building $307,912
2024$165.00 (-69.1%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$364,845 (+710.77%) Land $50,000 Building $314,845$364,845 (+710.77%) Land $50,000 Building $314,845
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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130104001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 16 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies16 in force
Nearby Flood Claims4 (1998–2020)
Claims Outside the SFHA4 of 4
Most Recent ClaimSep 2020, rainfall accumulation, Hurricane Sally
Claims By Storm
  • Hurricane Sally, Sep 2020 · 2 claims

Wildfire

Wildfire RiskModerate
above 64% of the US · above 40% of Florida
Wildfire LikelihoodAbout 1 in 546 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 17 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
Conexon ConnectFiber2,000 / 2,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

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