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5100 Hwy 4, Jay, FL 32565 Property Records

Santa Rosa County property record for 5100 Hwy 4, Jay, FL 32565

Property Summary

Property TypeSingle Family Home
Details6 bd · 5 ba · 5,940 sqft · built 1973
Lot Size5 acres (217,800 sqft)
Owner2 Individual Names on Record
Tax Bill$4,324 (2025)
Deeds & MortgagesFeb 2020 Line of Credit
Flood ZoneZone X (minimal risk)
APN14-5N-29-0000-00101-0000

Property Details

APN / Parcel Number

Primary APN14-5N-29-0000-00101-0000
Alternative APN
  • N295140000001010000

Interior

Bedrooms6 Beds
Full Baths5 Baths
Stories2 Stories
Building Area5,940 sqft Living Area
Gross Area8,461 sqft
1st Floor Area4,055 sqft
Upper Floors Area1,885 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1973
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialWood Shingle
Lot Area217,800 sqft (5 acres)
Lot Dimensions466 ft deep x 466 ft wide
Garage TypeAttached
Garage Area865 sqft
Parking Spaces7 Parking Spaces
PorchSlab
Porch Area756 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address5100 HIGHWAY 4
CityJAY
StateFL
Zip32565-2326
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-RR
Legal DescriptionCOM SW COR OF SEC TH N 2.06 CH S TO N R/W H/W #4 TH E ALONG R/W 20.18 CHS TO POB TH N 7.07 CHS TH E 7.07 CHS TH S 7.07 CHS TH W 7.07 CHS TO POB AS DE S IN OR 678 PG 423
Legal Range29W
Legal Township5N
Legal Section14
Legal SubdivisionBURNS HEIGHTS
JurisdictionSANTA ROSA FL
Township / Civil DivisionJAY
Census Block Group3
Census Block3015
Census Tract10100

Owner

Source: Santa Rosa County records, as of April 28, 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 Record
Mailing Address5100 HIGHWAY 4, JAY, FL 32565-2326
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedJun 8, 2026

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address5100 HIGHWAY 4, JAY, FL 32565-2326
Transaction TypeMortgage
Record UpdatedDec 14, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0039161519
DateFeb 7, 2020
Book Page3916/1519
Instrument202006012
Lender
NameUNITED BANK
TypeBank
AddressJAY, FL 32565
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,324.00 (+4.19%) Homeowner's exemption$399,773 (+2.9%)$621,669 (+5.27%) Land $40,000 Building $581,669
2024$4,150.00 (+1.59%) Homeowner's exemption$388,506 (+3%)$590,562 (+1.96%) Land $40,000 Building $550,562
2023$4,085.00 (+2.2%) Homeowner's exemption$377,190 (+3%)$579,223 (+3.82%) Land $36,000 Building $543,223
2022$3,997.00 Homeowner's exemption$366,204$557,892 Land $24,000 Building $533,892

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims22 (1990–2004)
Most Recent ClaimSep 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

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

Wildfire RiskModerate
above 66% of the US · above 44% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemMOORE CREEK MOUNT CARMEL UTILITIES
serves 4,875 people · EPA ID FL1570479
Water SourceGroundwater
Last State InspectionApr 2025
Lead2 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 8 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Conexon Connect
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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