4473 O'Hara Dr, Jay, FL 32565 Property Records

Santa Rosa County property record for 4473 O'Hara Dr, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,790 sqft · built 2023
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$499,900 (Oct 2023)
Tax Bill	$165 (2024)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-3N-29-U713-00209-0000`

Property Details

APN / Parcel Number

Primary APN	`15-3N-29-U713-00209-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,790 sqft Heated Area
1st Floor Area	3,609 sqft
Upper Floors Area	656 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
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	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	153N29U713002090000
Street Address	4473 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 2024 SECTION 15 TOWNSHIP 3N RANGE 2 9W SCARLETTS WAY - LOT 9 A PORT OF LANDS DES IN OR BK 4046 PG
Legal Subdivision	SCARLETTS WAY
Legal Lot Number	9
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	1
Census Block	1022
Census Tract	10400

Owner

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	4473 OHARA DR, JAY, FL 32565-9541
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2023 · Amount on Record
Deed Sale	Oct 26, 2023 · Amount on Record
Deed Document Number	202348217
Deed Book / Page	4445 / 1107
Record Updated	Jun 8, 2026

October 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 26, 2023
Property Address	4473 OHARA DR, JAY, FL 32565-9541
Document Number	0044451107
Book / Page	4445 / 1107
Map Reference	MB 4046 PG 1890
Instrument Date	Oct 23, 2023
Instrument	202348217
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 6, 2023
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,499.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25366 PROFIT DR, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4473 OHARA DR, JAY, FL 32565-9541

Mortgage

Document Number	0044451110
Date	Oct 26, 2023
Instrument	4445/1110

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$165.00 (-69.1%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$311,961 (+593.25%)	$407,817 (+806.26%) Land $50,000 Building $357,817
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.

Flood

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	Hurricane Sally, Sep 2020 · 2 claims

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 Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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