4632 Hwy 4, Jay, FL 32565 Property Records

Santa Rosa County property record for 4632 Hwy 4, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,987 sqft · built 1950
Lot Size	4.06 acres (176,854 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (Oct 2018)
Tax Bill	$1,389 (2024)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-5N-29-0000-00800-0000`

Property Details

APN / Parcel Number

Primary APN	`13-5N-29-0000-00800-0000`
Alternative APN	`N295130000008000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,987 sqft Living Area
Gross Area	3,100 sqft
1st Floor Area	1,987 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	176,854 sqft (4.06 acres)
Lot Dimensions	420 ft deep x 420 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	128 sqft
Deck Area	247 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4632 HIGHWAY 4
City	JAY
State	FL
Zip	32565-3033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	PARCEL 1A: COM AT SW CORN OF SW4 THN E 400 FT FOR POB THN N 140 YDS (420 FT) THN E 70 YDS (210 FT) THN S 140 YDS(420 FT) TO S SEC THN W 70 YDS TO POB & PARCEL 2A: COM AT SW CORN OF SW4 THN E 820 FT TO POB THN N 420 FT THN W 210 FT THN S 420 FT TO S S
Legal Range	29W
Legal Township	5N
Legal Section	13
Legal Block	K
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	3
Census Block	3015
Census Tract	10100

Owner

4632 Hwy 4 is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4632 HIGHWAY 4, JAY, FL 32565-3033
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	2 Names on Deed
Last Sale	Oct 1, 2018 · Amount on File
Deed Sale	Oct 1, 2018 · Amount on File
Prior Sale	Jul 1, 2016 · Amount on File
Deed Document Number	201842242
Deed Book / Page	3770 / 1370
Prior Transfer Date	Jul 29, 2016
Prior Transfer Doc	0035430220
Record Updated	Jun 8, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 1, 2018
Property Address	4632 HIGHWAY 4, JAY, FL 32565-3033
Document Number	0037701370
Book / Page	3770 / 1370
Instrument Date	Sep 27, 2018
Instrument	201842242
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ANCHOR TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	131 HUDSON HILL RD, 131, CENTURY, FL 32535-2766

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4632 HIGHWAY 4, JAY, FL 32565-3033

Mortgage

Document Number	0201842243
Date	Oct 1, 2018
Instrument	201842243

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

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		$154,960 (+2.9%)	$215,726 (+3.66%) Land $36,540 Building $179,186
2024	$1,389.00 (+2.28%) Homeowner's exemption	$150,593 (+3%)	$208,119 (+2.77%) Land $36,540 Building $171,579
2023	$1,358.00 (+2.65%) Homeowner's exemption	$146,207 (+3%)	$202,501 (+7.03%) Land $32,886 Building $169,615
2022	$1,323.00 Homeowner's exemption	$141,949	$189,194 Land $21,924 Building $167,270

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

Flood

FEMA maps place 4632 Hwy 4 in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1990.

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
Nearby Flood Claims	22 (1990–2004)
Most Recent Claim	Sep 2004 · Hurricane Frances
Claims by Event	Hurricane Georges, Sep 1998 · 5 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 4 claims Hurricane Opal, Oct 1995 · 10 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 4632 Hwy 4 is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20