5245 Commerce St, Jay, FL 32565 Property Records

Santa Rosa County property record for 5245 Commerce St, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,098 sqft · built 1936
Lot Size	0.206 acres (8,973 sqft)
Owner	2 Individual Names on File
Tax Bill	$785 (2024)
Deeds & Mortgages	Nov 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`41-5N-29-2590-00200-0240`

Property Details

APN / Parcel Number

Primary APN	`41-5N-29-2590-00200-0240`
Alternative APN	`N295412590002000240`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,098 sqft Living Area
Gross Area	1,526 sqft
1st Floor Area	1,098 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Exterior Material	Wood
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,973 sqft (0.206 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	190 sqft
Carport	Carport
Carport Area	190 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	238 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	5245 COMMERCE ST
City	JAY
State	FL
Zip	32565-1179
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CV-2
Legal Description	RESERVING A LIFE ESTATE IN: MCCURDY LOTS 24 & 25 BLK 2 LESS TH S 40 FT OF LOT 25 (OR 141 PG 11) AS DES IN OR 368 PG 114 & IN OR 642 PG 684 & IN OR 2264 PG 574 (L/E) (OR 3298 PG 1620 UNK INT) LESS OR 4032 PG 962 (NOW #2.41 FOR 2021)
Legal Range	29W
Legal Township	5N
Legal Section	41
Legal Subdivision	MCCURDY
Legal Block	2
Legal Lot Number	24
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	1
Census Block	1043
Census Tract	10200

Owner

5245 Commerce St is owned by two individuals who acquired it in October 2013.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4040 N SIMMONS RD, JAY, FL 32565-2844
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 23, 2013
Transfer Doc	0032981620
Record Updated	Jun 8, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Nov 20, 2020
Property Address	5245 COMMERCE ST, JAY, FL 32565-1179
Document Number	0040320962
Book / Page	004032 / 000962
Instrument Date	Aug 25, 2020
Instrument	62474
Transaction Type	Transfer
Record Updated	Dec 22, 2020
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	Revocable Trust
Address	4254 SPRING ST JAY FL 325652771, JAY, FL 32565-2771

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Municipality	Jay Town
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$55,704 (+7.2%) Land $15,000 Building $40,704	$55,704 (+7.2%) Land $15,000 Building $40,704
2024	$785.00 (+4.11%)	$51,965 (+1.19%) Land $15,000 Building $36,965	$51,965 (+1.19%) Land $15,000 Building $36,965
2023	$754.00 (+4.87%)	$51,356 (+2.61%) Land $15,000 Building $36,356	$51,356 (+2.61%) Land $15,000 Building $36,356
2022	$719.00	$50,048	$50,048 Land $15,000 Building $35,048

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

Flood

FEMA maps place 5245 Commerce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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	2 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2025 · river or lake flooding

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 5245 Commerce St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	JAY, TOWN OF - UTILITIES DEPT. serves 1,834 people · EPA ID FL1570384
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 87 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 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20