4525 Hwy 178, Jay, FL 32565 Property Records

Santa Rosa County property record for 4525 Hwy 178, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,738 sqft · built 1975
Lot Size	2.07 acres (90,169 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Apr 2021)
Tax Bill	$1,463 (2024)
Deeds & Mortgages	Apr 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`27-4N-29-0000-00101-0000`

Property Details

APN / Parcel Number

Primary APN	`27-4N-29-0000-00101-0000`
Alternative APN	`N294270000001010000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,738 sqft Living Area
Gross Area	3,935 sqft
1st Floor Area	1,802 sqft
Upper Floors Area	936 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	90,169 sqft (2.07 acres)
Lot Dimensions	300 ft deep x 300 ft wide
Garage Type	Attached
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	18 sqft
Patio Area	554 sqft
Shed	1 Shed
Shed Area	2 sqft
Pole Barn	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4525 HIGHWAY 178
City	JAY
State	FL
Zip	32565-9265
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	COM AT NE CORN SEC 27 TOWNSHIP 4 NORTH RANGE 29 WEST TH S 893728W 814.52 FT TH S005748W 55.57 FT TO S R/W OF OLD SPANISH TR RD & POB TH CONT 293.88 FT THN W 297.50 FT TH N00*5748E 293.88 FT TO SAID S R/W TH E ALONG R/W 297.50 FT TO POB AS DES IN OR
Legal Range	29W
Legal Township	4N
Legal Section	27
Jurisdiction	SANTA ROSA FL
Township / Civil Division	ALLENTOWN
Census Block Group	1
Census Block	1007
Census Tract	10400

Owner

4525 Hwy 178 is owned and occupied by an individual who bought it in April 2021.

Source: Santa Rosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	4525 HIGHWAY 178, JAY, FL 32565-9265
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2021 · Amount on File
Deed Sale	Apr 29, 2021 · Amount on File
Prior Sale	Sep 17, 2012 · Amount on File
Deed Document Number	202128261
Deed Book / Page	4110 / 1650
Prior Transfer Date	Jun 4, 2012
Prior Transfer Doc	0031700906
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 29, 2021
Property Address	4525 HIGHWAY 178, JAY, FL 32565-9265
Document Number	0041101650
Book / Page	4110 / 1650
Instrument Date	Apr 26, 2021
Instrument	202128261
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4525 HIGHWAY 178, 4525, JAY, FL 32565-9265

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6014 LANCASTER CT, PACE, FL 32571-7380

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025		$98,704 (-16.9%) Land $31,050 Building $67,654	$98,704 (-16.9%) Land $31,050 Building $67,654
2024	$1,463.00 (+10.75%)	$118,773 (+18.81%) Land $51,750 Building $67,023	$118,773 (+18.81%) Land $51,750 Building $67,023
2023	$1,321.00 (-43.08%)	$99,970 (-45.86%) Land $33,120 Building $66,850	$99,970 (-45.86%) Land $33,120 Building $66,850
2022	$2,321.00	$184,650	$184,650 Land $22,770 Building $161,880

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4525 Hwy 178 in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1998.

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 File 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

Wildfire risk around 4525 Hwy 178 is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 45% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MOORE CREEK MOUNT CARMEL UTILITIES serves 4,875 people · EPA ID FL1570479
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy 178

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