6990 Arthur Rowell Rd, Jay, FL 32565 Property Records

Santa Rosa County property record for 6990 Arthur Rowell Rd, Jay, FL 32565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1981
Lot Size	1.45 acres (63,423 sqft)
Owner	Individual Name on Record
Last Sale	$106,000 (Jul 2006)
Tax Bill	$512 (2024)
Deeds & Mortgages	Sep 2021 Reverse Mortgage Sep 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-5N-28-0000-01200-0000`

Property Details

APN / Parcel Number

Primary APN	`15-5N-28-0000-01200-0000`
Alternative APN	`N285150000012000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,456 sqft Living Area
Gross Area	2,094 sqft
1st Floor Area	1,456 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Other
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	63,423 sqft (1.45 acres)
Lot Dimensions	186 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
RV Parking	RV Parking

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	392 sqft
Deck Area	150 sqft
Shed	1 Shed
Shed Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6990 ARTHUR ROWELL RD
City	JAY
State	FL
Zip	32565-2504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	COM SE COR OF NE4 OF SE4 TH W 144 FT TO POB TH N 186 FT TH W 100 FT TH S 186 FT TH E 100 FT TO POB & ALSO COM SE COR OF NE4 OF SE 4 TH W 244 FT TO POB TH CONT W 382 FT TH N 118 FT TH E 382 FT TH S 118 FT TO POB AS DES IN OR 2627 PG 1029 SBJCT TO ESMN
Legal Range	28W
Legal Township	5N
Legal Section	15
Jurisdiction	SANTA ROSA FL
Township / Civil Division	BERRYDALE
Census Block Group	4
Census Block	4059
Census Tract	10100

Owner

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	Individual Name on Record
Mailing Address	13517 HIGHWAY 87 N, JAY, FL 32565-2347
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage · Reverse Mortgage PNC BANK NA
Sep 29, 2025	Quit Claim Deed, Transfer Quitclaim
Sep 29, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2006 · Amount on Record
Deed Sale	Jul 18, 2006 · Amount on Record
Deed Document Number	200640267
Deed Book / Page	2627 / 1029
Last Transfer Date	Sep 26, 2025
Transfer Doc	0046631293
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	6990 ARTHUR ROWELL RD, JAY, FL 32565-2504
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6990 ARTHUR ROWELL RD, JAY, FL 32565-2504

Mortgage

Document Number	0041821425
Date	Sep 24, 2021
Book Page	4182/1425
Instrument	202163844

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Aug 11, 2061

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 29, 2025
Property Address	6990 ARTHUR ROWELL RD, JAY, FL 32565-2504
Document Number	0046631293
Book / Page	4663 / 1293
Instrument Date	Sep 26, 2025
Instrument	202545737
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6990 ARTHUR ROWELL RD, JAY, FL 32565-2504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13517 HIGHWAY 87 N, JAY, FL 32565-2347

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 29, 2025
Property Address	6990 ARTHUR ROWELL RD, JAY, FL 32565-2504
Document Number	0046631290
Book / Page	4663 / 1290
Instrument Date	Sep 26, 2024
Instrument	202545736
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1817 MINERAL SPRINGS RD, JAY, FL 32565-9571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6990 ARTHUR ROWELL RD, JAY, FL 32565-2504

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		$74,058 (+2.9%)	$123,549 (+3.25%) Land $13,104 Building $110,445
2024	$512.00 (+0.99%) Homeowner's exemption	$71,971 (+3%)	$119,663 (+1.02%) Land $13,104 Building $106,559
2023	$507.00 (+1.2%) Homeowner's exemption	$69,875 (+3%)	$118,453 (+3.8%) Land $13,104 Building $105,349
2022	$501.00 Homeowner's exemption	$67,840	$114,121 Land $13,104 Building $101,017

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 41% of Florida
Wildfire Likelihood	0.2% 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	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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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