Santa Rosa County property record for 9574 Hwy 89, Jay, FL 32565
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,700 sqft · built 2020 |
| Lot Size | 5.93 acres (258,485 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $778,600 (Oct 2024) |
| Tax Bill | $210 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-3N-28-0000-02000-0000 |
| Primary APN | 07-3N-28-0000-02000-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,700 sqft Living Area |
| Gross Area | 8,546 sqft |
| 1st Floor Area | 2,700 sqft |
| Upper Floors Area | 840 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Metal |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 258,485 sqft (5.93 acres) |
| Lot Dimensions | 1,261 ft deep x 206 ft wide |
| Garage Type | Attached |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Patio Area | 315 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 9574 HIGHWAY 89 |
|---|---|
| City | JAY |
| State | FL |
| Zip | 32565-9236 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-RR |
| Legal Description | **NEWLY DESCRIBED IN 2025 ** 07-3N-28W: COM AT NW SEC COR , THN S00*1620W 728.33FT TO SW COR OR 1768 PG 1685, THN S89*5201E 63.85FT TO E R/W HWY 89 & POB, THN S89*5201E 1261.35FT TO SE COR OR 1768 PG 1685, THN S00*1134W 208.13FT ALNG E LN OF NW4 OF N |
| Legal Range | 28W |
| Legal Township | 3N |
| Legal Section | 07 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | ALLENTOWN |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 10400 |
Source: Santa Rosa County records, as of October 6, 2026
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 | 9574 HIGHWAY 89, JAY, FL 32565-9236 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Nov 2, 2021 | Deed of Trust, Mortgage UNITED BANK |
| Jul 28, 2020 | Warranty Deed, Transfer · Commercial Mortgage FARM CREDIT OF NORTHWEST FLORIDA AC |
| May 30, 2019 | Warranty Deed, Transfer SURETY LAND TITLE/FL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 2024 · Amount on Record |
| Deed Sale | Oct 16, 2024 · Amount on Record |
| Prior Sale | Jul 28, 2020 · Amount on Record |
| Deed Document Number | 202446832 |
| Deed Book / Page | 4552 / 1264 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9574 HIGHWAY 89, JAY, FL 32565-9236 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 9574 HIGHWAY 89, JAY, FL 32565-9236 |
| Document Number | 0042020873 |
|---|---|
| Date | Nov 2, 2021 |
| Book Page | 4202/873 |
| Instrument | 202173533 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Address | JAY, FL 32565 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 28, 2020 |
| Property Address | 9574 HIGHWAY 89, JAY, FL 32565-9236 |
| Document Number | 0039820151 |
| Book / Page | 3982 / 151 |
| Instrument Date | Jul 23, 2020 |
| Instrument | 202037517 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | SURETY LAND TITLE OF FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $224.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9574 HIGHWAY 89, 9574, JAY, FL 32565-9236 |
| Name | Verified Name |
|---|---|
| Address | 5498 TIMBER CREEK DR, PACE, FL 32571-9092 |
| Document Number | 0003982154 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 3982/154 |
| Name | FARM CREDIT OF NORTHWEST FLORIDA AC |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Aug 1, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 30, 2019 |
| Property Address | 9574 HIGHWAY 89, JAY, FL 32565-9236 |
| Document Number | 0038340441 |
| Book / Page | 003834 / 000441 |
| Instrument Date | May 21, 2019 |
| Instrument | 22545 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2019 |
| Title Company | SURETY LAND TITLE/FL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,085.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9574 HIGHWAY 89 JAY FL 325659236, JAY, FL 32565-9236 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $210.00 (-94.92%) | $546,986 (+41.19%) Land $59,340 Building $487,646 | $546,986 (-0.85%) Land $59,340 Building $487,646 |
| 2024 | $4,137.00 (+1.57%) Homeowner's exemption | $387,404 (+2.98%) | $551,674 (+0.83%) Land $13,978 Building $537,696 |
| 2023 | $4,073.00 (+2.16%) Homeowner's exemption | $376,193 (+2.98%) | $547,113 (+5.16%) Land $13,978 Building $533,135 |
| 2022 | $3,987.00 Homeowner's exemption | $365,308 | $520,263 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 4 (1998–2020) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | POINT BAKER WATER SYSTEM, INC. private · serves 11,318 people · EPA ID FL1570540 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 1 ppb (2025) action level 15 ppb |
| 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.
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 |
| Verizon Fixed Wireless | 300 / 20 |
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