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5354 John Lowery Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 5354 John Lowery Rd, Jay, FL 32565 · Last verified November 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,269 sqft · built 2019
Lot Size1.07 acres (46,609 sqft)
Owner2 Individual Names on File
Tax Bill$2,055 (2024)
Deeds & MortgagesAug 2018 Construction Loan
Jul 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APN40-5N-30-0000-00409-0000

Property Details

APN / Parcel Number

Primary APN40-5N-30-0000-00409-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,269 sqft Heated Area
Gross Area1,737 sqft
1st Floor Area1,533 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Exterior MaterialBrick
Construction TypeWood
Foundation TypeSlab (Mat/Raft)
Roof MaterialShingle
Lot Area46,609 sqft (1.07 acres)
Garage Area264 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchOpen Porch
Porch Area204 sqft
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number405N300000004090000
Street Address5354 JOHN LOWERY RD
CityJAY
StateFL
Zip32565-1648
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOM AT COR SEC TH N 89*58 13 W 753 FT TH N 00*01'09 W 580.06 FT TO POB TH CONT 196.9 4 FT TO N LINE OF OR 1105 PG 468 TH N
Legal Range30W
Legal Township05N
Legal Section40
JurisdictionSANTA ROSA FL
Township / Civil DivisionJAY
Census Block Group1
Census Block1009
Census Tract10200

Owner

Source: Santa Rosa County records · APN 40-5N-30-0000-00409-0000

Assessment roll updated July 1, 2024 · Last verified November 2025

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

Owner of Record2 Individual Names on File
Mailing Address5370 JOHN LOWERY RD, JAY, FL 32565-1648
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 21, 2018Deed of Trust, Mortgage · Construction Mortgage
PEN AIR FEDERAL CU
Jul 29, 2019Loan Modification, Mortgage
PEN AIR FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 15, 2011
Deed SaleApr 15, 2011
Deed Document Number0003051543
Record UpdatedJun 08, 2026

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address5354 JOHN LOWERY RD, JAY, FL 32565-1648
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanySURETY LAND TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0037581813
DateAug 21, 2018
Book Page3758/1813
Instrument201835879
Lender
NamePEN AIR FEDERAL CU
TypeCredit Union
AddressPENSACOLA, FL 32514
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term373 Months
DueSep 01, 2049
Interest
Rate TypeFixed Rate
Rate4.87%
Type Change DateSep 01, 2029
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change9.87%
Index1-Year LIBOR
Max Rate9.87%

July 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSANTA ROSA FL
Property Address5354 JOHN LOWERY RD, JAY, FL 32565-1648
Document Number0038581401
Instrument DateJul 29, 2019
Transaction TypeMortgage
Record UpdatedOct 04, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5354 JOHN LOWERY RD JAY FL 32565, JAY, FL 32565

Mortgage

Document Number0038581401
DateAug 12, 2019
Book Page003858/001401
Instrument35109
Lender
NamePEN AIR FCU
TypeCredit Union
Agreement
AmountAmount Recorded
Term360 Months
DueAug 11, 2049
Interest
Rate4.87%

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated July 1, 2024 · Last verified November 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta 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.

YearTax BillAssessed ValueAssessed Market Value
2024$2,055.00 (+3.89%)$173,352 (+1.63%) Land $7,490 Building $165,862$173,352 (+1.63%) Land $7,490 Building $165,862
2023$1,978.00 (+6.4%)$170,579 (+5.91%) Land $6,420 Building $164,159$170,579 (+5.91%) Land $6,420 Building $164,159
2022$1,859.00$161,056$161,056 Land $5,671 Building $155,385

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims1 (2025)
Claims Outside the SFHA1 of 1
Most Recent ClaimJun 2025, river or lake flooding

Wildfire

Wildfire RiskModerate
above 65% of the US · above 42% of Florida
Wildfire LikelihoodAbout 1 in 407 per year
ExposureDirect
burnable vegetation at the parcel

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 19 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Conexon ConnectFiber2,000 / 2,000
SpectrumCable1,000 / 1,000

May also be available at this address: Mediacom Communications, Dragonfly Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

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