4940 Hwy 4, Jay, FL 32565 Property Records

Santa Rosa County property record for 4940 Hwy 4, Jay, FL 32565

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 2,432 sqft · built 2022
Lot Size	39.8 acres (1,737,608 sqft)
Owner	2 Individual Names on File
Last Sale	$154,000 (Jun 2021)
Tax Bill	$2,978 (2024)
Deeds & Mortgages	Apr 2022 Construction Loan Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-5N-29-0000-02200-0000`

Property Details

APN / Parcel Number

Primary APN	`13-5N-29-0000-02200-0000`
Alternative APN	`N295130000022000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,432 sqft Living Area
1st Floor Area	2,432 sqft
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	1,737,608 sqft (39.8 acres)
View / Lot	Mobile Home

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4940 HIGHWAY 4
City	JAY
State	FL
Zip	32565-3034
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	AG-RR
Legal Description	NEW DESC FOR 2021 TAXES PARCEL 1: COM AT SOUTHEAST CORNER OF SECTION 13, TOWNSHIP 5 NORTH, RANGE 29; THENCE N 0222 25 EAST ALONG THE EAST LINE OF SAID SECTION 13, A DISTANCE OF 135.64 FEET TO AN INTERSECTION WITH THE NORTH RIGHT OF WAY LINE FLORI
Legal Range	29W
Legal Township	5N
Legal Section	13
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	3
Census Block	3015
Census Tract	10100

Owner

4940 Hwy 4, a mobile home, is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4940 HIGHWAY 4, JAY, FL 32565-3034
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

Date	Document
Apr 6, 2022	Deed of Trust, Mortgage · Construction Mortgage 1ST SIGNATURE LENDING LLC
Jun 4, 2021	Warranty Deed, Transfer · Commercial Mortgage FARM CREDIT OF NORTHWEST FLORIDA AC
Nov 21, 2018	Warranty Deed, Transfer CLEAR TITLE/NW FL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2021 · Amount on File
Deed Sale	Jun 4, 2021 · Amount on File
Prior Sale	Nov 21, 2018 · Amount on File
Deed Document Number	202137338
Deed Book / Page	4128 / 317
Prior Transfer Date	Aug 26, 2016
Prior Transfer Doc	0035551642
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4940 HIGHWAY 4, JAY, FL 32565-3034
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5425 HOMESTEAD DR, MILTON, FL 32570-8363

Mortgage

Document Number	0042680363
Date	Apr 6, 2022
Book Page	4268/363
Instrument	202220685

Lender

Name	1ST SIGNATURE LENDING LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46256

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Apr 1, 2053

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 4, 2021
Property Address	4940 HIGHWAY 4, JAY, FL 32565-3034
Document Number	0041280317
Book / Page	4128 / 317
Instrument Date	Jun 2, 2021
Instrument	202137338
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	CLEAR TITLE/NW FL LLC, CLEAR TTL OF NORTHWEST FL LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,078.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3581 SHADETREE LN, JAY, FL 32565-9169

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6153 SWAINSON ST, MILTON, FL 32570-5041

Mortgage

Document Number	0004128320
Date	Jun 4, 2021
Instrument	4128/320

Lender

Name	FARM CREDIT OF NORTHWEST FLORIDA AC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 21, 2018
Property Address	4940 HIGHWAY 4, JAY, FL 32565-3034
Document Number	0037841100
Book / Page	003784 / 001100
Instrument Date	Nov 20, 2018
Instrument	49892
Transaction Type	Transfer
Record Updated	Jan 4, 2019
Title Company	CLEAR TITLE/NW FL LLC

Transaction

Amount	Amount on Record
Tax	$490.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3581 SHADETREE LN JAY FL 325659169, JAY, FL 32565-9169

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		$298,730 (+2.9%)	$347,697 (+0.77%) Land $191,472 Building $156,225
2024	$2,978.00 (+1.74%) Homeowner's exemption	$290,311 (+3%)	$345,024 (+10.2%) Land $191,472 Building $153,552
2023	$2,927.00 (+115.86%) Homeowner's exemption	$281,855 (+145.34%)	$313,080 (+172.52%) Land $172,324 Building $140,756
2022	$1,356.00	$114,884	$114,884 Land $114,883 Building $1

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

Flood

FEMA maps place 4940 Hwy 4 in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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 4940 Hwy 4 is moderate, ranking above 69% 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 69% of the US · above 49% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy 4

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