Santa Rosa County property record for 4818 Hwy 182, Jay, FL 32565
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,679 sqft · built 2007 |
| Lot Size | 4.28 acres (186,437 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $355,000 (Jan 2019) |
| Tax Bill | $3,333 (2024) |
| Deeds & Mortgages | Sep 2019 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-3N-29-0000-00404-0000 |
| Primary APN | 11-3N-29-0000-00404-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,679 sqft Living Area |
| Gross Area | 5,138 sqft |
| 1st Floor Area | 2,970 sqft |
| Upper Floors Area | 709 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 186,437 sqft (4.28 acres) |
| Garage Type | Attached |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 1,041 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4818 HIGHWAY 182 |
|---|---|
| City | JAY |
| State | FL |
| Zip | 32565-7348 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-RR |
| Legal Description | COM SE SEC CORN THN N88*56 47 W ON S SEC LN 1335.87 FT TO SE CORN OF SW4 OF SE4 THN N2*04 53E 45.90 FT TO N R/W SRD 182 THN N88*5632W ON R/W 712.56 FT TO POB & CONT 311.55 FT THN N2*0453E 599.02 FT THN S88* 5301E 311.54 FT THN S2*0453 W 598.70 FT TO |
| Legal Range | 29W |
| Legal Township | 3N |
| Legal Section | 11 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | ALLENTOWN |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 10400 |
4818 Hwy 182 is owned and occupied by two individuals who bought it in January 2019.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4818 HIGHWAY 182, JAY, FL 32565-7348 |
| 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.
| Date | Document |
|---|---|
| Sep 27, 2019 | Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC |
| Jan 3, 2019 | Warranty Deed, Transfer · VA Mortgage PRIMELENDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2019 · Amount on File |
| Deed Sale | Jan 3, 2019 · Amount on File |
| Prior Sale | Jul 22, 2014 · Amount on File |
| Deed Document Number | 2019255 |
| Deed Book / Page | 3794 / 1718 |
| Prior Transfer Date | Sep 15, 2006 |
| Prior Transfer Doc | 0026500224 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 4818 HIGHWAY 182, JAY, FL 32565-7348 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0038741158 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 3874/1158 |
| Instrument | 201943382 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jan 3, 2019 |
| Property Address | 4818 HIGHWAY 182, JAY, FL 32565-7348 |
| Document Number | 0037941718 |
| Book / Page | 003794 / 001718 |
| Instrument Date | Dec 31, 2018 |
| Instrument | 255 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2019 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,485.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4818 HIGHWAY 182 JAY FL 325657348, JAY, FL 32565-7348 |
| Document Number | 37941723 |
|---|---|
| Date | Jan 3, 2019 |
| Book Page | 003794/001723 |
| Instrument | 256 |
| Name | PRIMELENDING |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 2, 2049 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $331,014 (+2.9%) | $461,372 (+4.87%) Land $61,632 Building $399,740 | |
| 2024 | $3,333.00 (+1.74%) Homeowner's exemption Disabled Person's exemption | $321,685 (+3%) | $439,926 (+0.71%) Land $53,928 Building $385,998 |
| 2023 | $3,276.00 (+2.28%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $312,316 (+3%) | $436,843 (+0.6%) Land $53,928 Building $382,915 |
| 2022 | $3,203.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $303,219 | $434,242 Land $53,928 Building $380,314 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4818 Hwy 182 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 |
|
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 risk around 4818 Hwy 182 is moderate, ranking above 64% 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 64% of the US · above 40% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | POINT BAKER WATER SYSTEM, INC. private · serves 11,318 people · EPA ID FL1570540 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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