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  5. Watermill Rd

4538 Watermill Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 4538 Watermill Rd, Jay, FL 32565 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,367 sqft · built 2002
Lot Size3.99 acres (174,066 sqft)
Owner2 Individual Names on File
Last Sale$155,000 (Jun 2011)
Tax Bill$1,835 (2024)
Deeds & MortgagesFeb 2023 Transfer
May 2017 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN24-5N-29-0000-00706-0000

Property Details

APN / Parcel Number

Primary APN24-5N-29-0000-00706-0000
Alternative APN
  • N295240000007060000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,367 sqft Living Area
Gross Area3,441 sqft
1st Floor Area2,367 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area174,066 sqft (3.99 acres)

Exterior Amenities

PorchFinished/Open Porch
Porch Area1,074 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address4538 WATERMILL RD
CityJAY
StateFL
Zip32565-1434
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description*DESCRIPTION UPDATE FOR 2023* COM AT SW CORN OF NE4 THN N0*4435W 210 FT TO POB & CONT 330 FT THN S89*5626E 404.10 FT THN S0*4435E 540 FT THN N 89*5626W 194.10 FT THN N0*4435W 210 FT THN N89*5626W 210 FT TO POB AS DES IN OR 3062 PG 1908 & IN OR 3532 P
Legal Range29W
Legal Township5N
Legal Section24
JurisdictionSANTA ROSA FL
Township / Civil DivisionJAY
Census Block Group2
Census Block2007
Census Tract10200

Owner

Source: Santa Rosa County records · APN 24-5N-29-0000-00706-0000

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 Address4538 WATERMILL RD, JAY, FL 32565-1434
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 14, 2023Intrafamily Transfer, Transfer
May 24, 2017Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Jan 31, 2018Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Jan 28, 2020Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Apr 15, 2021Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 15, 2011 · Amount on Record
Deed SaleJun 15, 2011 · Amount on Record
Deed Document Number201120789
Deed Book / Page3062 / 1908
Last Transfer DateFeb 14, 2023
Transfer Doc0043661382
Record UpdatedSep 20, 2026

February 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA ROSA FL
Recording DateFeb 14, 2023
Property Address4538 WATERMILL RD, JAY, FL 32565-1434
Document Number0043661382
Book / Page4366 / 1382
Instrument DateFeb 14, 2023
Instrument202306041
Transaction TypeTransfer
Record UpdatedMar 10, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4538 WATERMILL RD, JAY, FL 32565-1434

May 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address4538 WATERMILL RD, JAY, FL 32565-1434
Transaction TypeMortgage
Record UpdatedDec 14, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0036270976
DateMay 24, 2017
Book Page3627/0976
Instrument201720998
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2047

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address4538 WATERMILL RD, JAY, FL 32565-1434
Transaction TypeMortgage
Record UpdatedDec 14, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0036980692
DateJan 31, 2018
Book Page3698/0692
Instrument201803778
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term353 Months
DueJun 01, 2047

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address4538 WATERMILL RD, JAY, FL 32565-1434
Transaction TypeMortgage
Record UpdatedDec 14, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0039130512
DateJan 28, 2020
Book Page3913/512
Instrument202004264
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term332 Months
DueSep 01, 2047

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address4538 WATERMILL RD, JAY, FL 32565-1434
Transaction TypeMortgage
Record UpdatedDec 14, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address4538 WATERMILL RD, JAY, FL 32565-1434

Mortgage

Document Number0041040055
DateApr 15, 2021
Book Page4104/55
Instrument202124947
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051

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

YearTax BillAssessed ValueAssessed Market Value
2025$190,391 (+2.9%)$253,392 (+1.73%) Land $37,962 Building $215,430
2024$1,835.00 (+1.94%) Homeowner's exemption$185,025 (+3%)$249,086 (+2.76%) Land $37,962 Building $211,124
2023$1,800.00 (+2.45%) Homeowner's exemption$179,636 (+3%)$242,402 (+5.67%) Land $34,165 Building $208,237
2022$1,757.00 Homeowner's exemption$174,404$229,401 Land $22,777 Building $206,624

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 40% of the US · above 12% of Florida
Wildfire LikelihoodAbout 1 in 1,163 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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