5540 Tractor Trl, Jay, FL 32565 Property Records

Santa Rosa County property record for 5540 Tractor Trl, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,437 sqft · built 1973
Lot Size	1.59 acres (69,260 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Oct 2024)
Tax Bill	$2,999 (2025)
Deeds & Mortgages	May 2026 Construction Loan Feb 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-5N-29-0000-00901-0000`

Property Details

APN / Parcel Number

Primary APN	`13-5N-29-0000-00901-0000`
Alternative APN	`N295130000009010000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,437 sqft Living Area
Gross Area	3,153 sqft
1st Floor Area	2,437 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	69,260 sqft (1.59 acres)
Lot Dimensions	330 ft deep x 210 ft wide
Garage Type	Carport
Garage Area	624 sqft
Carport	Carport
Carport Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	92 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5540 TRACTOR TRL
City	JAY
State	FL
Zip	32565-2604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	DESCRIPTION UPDATE FOR 2025 1ST LEGAL OF DEED PARCEL 1: COM AT NW COR OF S2 OF S2 OF NW4 THN E 50 FT TO E R/W LI OF SR- 399 (AKA TRACTOR TR) THN E 160 FT TO POB THN CONT E 170 FT THN S 210 FT THN W 170 FT THN N 210 FT TO POB (AKA PARCEL 1) (2ND LEG
Legal Range	29W
Legal Township	5N
Legal Section	13
Jurisdiction	SANTA ROSA FL
Township / Civil Division	JAY
Census Block Group	3
Census Block	3010
Census Tract	10100

Owner

5540 Tractor Trl is owned by two individuals who bought it in October 2024.

Source: Santa Rosa County records, as of June 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 13, JAY, FL 32565-0013
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
May 11, 2026	Deed of Trust, Mortgage · Construction Mortgage UNITED BANK
Feb 11, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Feb 11, 2020	Warranty Deed, Transfer KARA S RITCHIE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2024 · Amount on File
Deed Sale	Oct 16, 2024 · Amount on File
Prior Sale	Feb 11, 2020 · Amount on File
Deed Document Number	202446704
Deed Book / Page	4552 / 710
Prior Transfer Date	Feb 3, 2020
Prior Transfer Doc	0039171573
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Recording Date	May 11, 2026
Property Address	5540 TRACTOR TRL, JAY, FL 32565-2604
Document Number	0000023588
Book / Page	4742 / 1127
Instrument Date	May 5, 2026
Instrument	202623588
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5540 TRACTOR TRL, JAY, FL 32565-2604

Mortgage

Document Number	0000023588,
Date	May 11, 2026
Book Page	4742/1127
Instrument	202623588

Lender

Name	UNITED BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 11, 2041

Interest

Rate	5.74%
Max Rate	-1%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 11, 2020
Property Address	5540 TRACTOR TRL, JAY, FL 32565-2604
Document Number	0039171573
Book / Page	003917 / 001573
Instrument Date	Feb 3, 2020
Instrument	6602
Transaction Type	Transfer
Record Updated	Mar 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2909 GREYSTONE DR PACE FL 325718453, PACE, FL 32571-8453

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Feb 11, 2020
Property Address	5540 TRACTOR TRL, JAY, FL 32565-2604
Document Number	0039171574
Book / Page	003917 / 001574
Instrument Date	Feb 3, 2020
Instrument	6603
Transaction Type	Transfer
Record Updated	Mar 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,281.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5400 TRACTOR TRL JAY FL 32565, JAY, FL 32565

Mortgage

Document Number	39171576
Date	Feb 11, 2020
Book Page	003917/001576
Instrument	6604

Lender

Name	KARA S RITCHIE
Address	2909 GREYSTONE DR, PACE, FL 32571-8453
Special Notes	Seller Financed

Agreement

Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 5540 Tractor Trl was $2,999, up 16.2% from the year before.

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	$2,999.00 (+16.2%)	$232,623 (+14.74%) Land $15,900 Building $216,723	$232,623 (+14.74%) Land $15,900 Building $216,723
2024	$2,581.00 (+3.08%)	$202,737 (+2.05%) Land $15,900 Building $186,837	$202,737 (+2.05%) Land $15,900 Building $186,837
2023	$2,504.00 (+5.08%)	$198,658 (+3.68%) Land $14,310 Building $184,348	$198,658 (+3.68%) Land $14,310 Building $184,348
2022	$2,383.00	$191,608	$191,608 Land $9,540 Building $182,068

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

Flood

FEMA maps place 5540 Tractor Trl in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1990.

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	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 5540 Tractor Trl is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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	MOORE CREEK MOUNT CARMEL UTILITIES serves 4,875 people · EPA ID FL1570479
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 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	2 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 6 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

May also be available: Dragonfly Internet.

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