6085 Last Chance Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 6085 Last Chance Rd, Jay, FL 32565

Property Summary

Property Type	Timberland, Forest, Woodland Vacant Land
Details	3 bd · 2 ba · 10,638 sqft · built 1983
Lot Size	6.4 acres (278,784 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (May 2016)
Tax Bill	$3,743 (2024)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-4N-28-0000-00100-0000`

Property Details

APN / Parcel Number

Primary APN	`20-4N-28-0000-00100-0000`
Alternative APN	`N284200000001000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	10,638 sqft Gross Area
1st Floor Area	6,607 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	278,784 sqft (6.4 acres)
View / Lot	Woodland
Garage Type	Attached
Garage Area	2,400 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	1,634 sqft
Patio Area	32 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6085 LAST CHANCE RD
City	JAY
State	FL
Zip	32565
Property Category	Vacant Land
Property Type	Vacant Land > Timberland, Forest, Woodland
Local Zoning Code	AG-RR
Legal Description	COM NW COR OF NE4 THN S114 56 W 7.06 FT THN S881226E 600 FT TO POB THN CONT 699.88 FT THN S23453W 400 FT THN N88 1049W 690.58 FT THN N1*1456 E 399.59 FT TO POB AS DES IN OR 3521 PG 1771 LESS ALL MINERAL RIGHTS
Legal Range	28W
Legal Township	4N
Legal Section	20
Jurisdiction	SANTA ROSA FL
Township / Civil Division	BERRYDALE
Census Block Group	4
Census Block	4099
Census Tract	10100

Owner

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

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 Record
Mailing Address	5785 WINDERMERE TRCE, PACE, FL 32571-9369
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2016 · Amount on Record
Deed Sale	May 20, 2016 · Amount on Record
Deed Document Number	201619053
Deed Book / Page	3521 / 1771
Prior Transfer Date	May 17, 2016
Prior Transfer Doc	0000019053
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6085 LAST CHANCE RD, JAY, FL 32565
Transaction Type	Mortgage
Record Updated	Mar 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6085 LAST CHANCE RD, MILTON, FL 32570-8690

Mortgage

Document Number	0040670007
Date	Feb 4, 2021
Book Page	4067/7
Instrument	202107427

Lender

Name	MID-CONTINENT FUNDING INC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

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		$316,886 (+3.93%)	$366,986 (+3.38%) Land $67,800 Building $299,186
2024	$3,743.00 (+0.97%)	$304,903 (+2.43%) Land $17,700 Building $287,203	$355,003 (+1.46%) Land $17,700 Building $337,303
2023	$3,707.00 (-1.62%)	$297,672 (-10.61%) Land $18,400 Building $279,272	$349,897 (+5.07%) Land $18,400 Building $331,497
2022	$3,768.00	$333,010	$333,010 Land $53,760 Building $279,250

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 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	3 in force

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 Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct 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 System	BERRYDALE WATER SYSTEM serves 2,800 people · EPA ID FL1570064
Water Source	Groundwater
Last State Inspection	Jul 2024
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	None 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

May also be available: T-Mobile.

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