4999 Luman Shell Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 4999 Luman Shell Rd, Jay, FL 32565 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,381 sqft · built 1960
Lot Size	2.42 acres (105,415 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Sep 2019)
Tax Bill	$1,981 (2024)
Deeds & Mortgages	May 2023 Line of Credit Aug 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`19-5N-29-0000-05400-0000`

Property Details

APN / Parcel Number

Primary APN	`19-5N-29-0000-05400-0000`
Alternative APN	`N295190000054000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,381 sqft Living Area
Gross Area	4,312 sqft
1st Floor Area	3,381 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	105,415 sqft (2.42 acres)
Lot Dimensions	210 ft deep x 210 ft wide
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	427 sqft
Gazebo	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4999 LUMAN SHELL RD
City	JAY
State	FL
Zip	32565-1723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEW DESCRIPTION FOR 2019 PARCEL E: COM AT SW CORNER OF SECTION 19 TOWNSHIP 5 NORTH RANGE 29 WEST THN N00709E 1019.43 FT THN S883558E 1141.82 FT THN N12347E 266.50 FT FOR TH POB THN CONTINUE 209.88 FT THN S883609E 147.21 FT THN N68*2629E 140.19
Legal Range	29W
Legal Township	5N
Legal Section	19
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	1
Census Block	1057
Census Tract	10200

Owner

Source: Santa Rosa County records · APN 19-5N-29-0000-05400-0000

Assessment roll updated December 8, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	4999 LUMAN SHELL RD, JAY, FL 32565-1723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 04, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage HARVESTERS FCU
Sep 17, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Sep 17, 2019	Warranty Deed, Transfer VILLAGE APTS INC
Sep 25, 2018	Affidavit of Death, Transfer
Mar 17, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 06, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 17, 2019 · Amount on Record
Deed Sale	Sep 17, 2019 · Amount on Record
Prior Sale	Sep 17, 2019 · Amount on Record
Deed Document Number	201941528
Deed Book / Page	3870 / 1888
Prior Transfer Date	Mar 25, 2009
Prior Transfer Doc	0028911745
Record Updated	Jun 08, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4999 LUMAN SHELL RD, JAY, FL 32565-1723
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4999 LUMAN SHELL RD, JAY, FL 32565-1723

Mortgage

Document Number	0043911481
Date	May 04, 2023
Book Page	4391/1481
Instrument	202319424

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	MILTON, FL 32570

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Apr 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4999 LUMAN SHELL RD, JAY, FL 32565-1723
Transaction Type	Mortgage
Record Updated	Aug 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4999 LUMAN SHELL RD, JAY, FL 32565-1723

Mortgage

Document Number	0039971334
Date	Aug 31, 2020
Book Page	3997/1334
Instrument	202044844

Lender

Name	HARVESTERS FCU
Type	Credit Union
Address	CANTONMENT, FL 32533

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 01, 2035

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 17, 2019
Property Address	4999 LUMAN SHELL RD, JAY, FL 32565-1723
Document Number	0038701868
Book / Page	003870 / 001868
Instrument Date	Sep 13, 2019
Instrument	41524
Transaction Type	Transfer
Record Updated	Nov 01, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$140.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6091 OGLESBY RD MILTON FL 325702008, MILTON, FL 32570-2008

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 17, 2019
Property Address	4999 LUMAN SHELL RD, JAY, FL 32565-1723
Document Number	0038701888
Book / Page	3870 / 1888
Instrument Date	Sep 13, 2019
Instrument	201941528
Transaction Type	Transfer
Record Updated	Aug 02, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6091 OGLESBY RD, 6091, MILTON, FL 32570-2008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4711 SPRING ST, JAY, FL 32565-2760

Mortgage

Document Number	0038701891
Date	Sep 17, 2019
Instrument	3870/1891

Lender

Name	VILLAGE APTS INC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded

September 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 25, 2018
Property Address	4999 LUMAN SHELL RD, JAY, FL 32565-1723
Document Number	0037681688
Book / Page	003768 / 001688
Instrument Date	Sep 24, 2018
Instrument	41193
Transaction Type	Transfer
Record Updated	Oct 30, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5001 LUMAN SHELL RD JAY FL 325651725, JAY, FL 32565-1725

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 17, 2017
Property Address	4999 LUMAN SHELL RD, JAY, FL 32565-1723
Document Number	0036070325
Book / Page	003607 / 000325
Instrument Date	Mar 03, 2017
Instrument	10444
Transaction Type	Transfer
Record Updated	Apr 04, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	31783 GRAFTON RD LILLIAN AL 365494512, LILLIAN, AL 36549-4512

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Mar 06, 2017
Property Address	4999 LUMAN SHELL RD, JAY, FL 32565-1723
Document Number	0036040829
Book / Page	003604 / 000829
Instrument Date	Mar 03, 2017
Instrument	8728
Transaction Type	Transfer
Record Updated	Mar 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	5000 LUMAN SHELL RD JAY FL 325651724, JAY, FL 32565-1724

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$203,529 (+2.9%)	$280,287 (+4.71%) Land $31,460 Building $248,827
2024	$1,981.00 (+1.96%) Homeowner's exemption	$197,793 (+3%)	$267,667 (+2.17%) Land $24,200 Building $243,467
2023	$1,943.00 (+2.42%) Homeowner's exemption	$192,032 (+3%)	$261,988 (+4.05%) Land $21,780 Building $240,208
2022	$1,897.00 Homeowner's exemption	$186,439	$251,791 Land $14,520 Building $237,271

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130102001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2025, river or lake flooding

Wildfire

Wildfire Risk	Low above 34% of the US · above 9% of Florida
Wildfire Likelihood	About 1 in 1,639 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 24 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Conexon Connect	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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