Santa Rosa County property record for 9948 Chumuckla Hwy, Jay, FL 32565
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,146 sqft · built 2018 |
| Lot Size | 3.65 acres (158,994 sqft) |
| Owner | Individual Name on File |
| Last Sale | $605,000 (Nov 2020) |
| Tax Bill | $4,984 (2024) |
| Deeds & Mortgages | Oct 2017 Mortgage Apr 2020 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-3N-30-0000-00510-0000 |
| Primary APN | 01-3N-30-0000-00510-0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,146 sqft Heated Area |
| Gross Area | 4,827 sqft |
| 1st Floor Area | 3,949 sqft |
| Upper Floors Area | 536 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 158,994 sqft (3.65 acres) |
| Lot Dimensions | 7,000 ft deep x 2,270 ft wide |
| Garage Area | 803 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 466 sqft |
| Patio Area | 412 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 013N300000005100000 |
|---|---|
| Street Address | 9948 CHUMUCKLA HWY |
| City | JAY |
| State | FL |
| Zip | 32565-7366 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-RR |
| Legal Description | *DESCRIPTION UPDATE FOR 2021* COM ON N SEC LN SECTION 1 TOWNSHIP 3 NORTH RANGE 30 WEST AT E R/W OF CHUMUCKLA HWY THN S1*53'0W |
| Legal Range | 30W |
| Legal Township | 03N |
| Legal Section | 01 |
| Legal Subdivision | WEST |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | ALLENTOWN |
| Census Block Group | 4 |
| Census Block | 4029 |
| Census Tract | 10200 |
9948 Chumuckla Hwy is owned and occupied by an individual who bought it in November 2020.
Source: Santa Rosa County records, as of October 27, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 9948 CHUMUCKLA HWY, JAY, FL 32565-7366 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Oct 30, 2017 | Deed of Trust, Mortgage · ARM HARVESTERS FCU |
| Apr 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SYNOVUS BANK |
| Nov 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Jun 16, 2020 | Warranty Deed, Transfer CLEAR TITLE/NW FL LLC |
| Apr 14, 2020 | Deed of Trust, Mortgage · Line of Credit SYNOVUS BK |
| Apr 26, 2018 | Loan Modification, Mortgage HARVESTERS FCU |
| Aug 10, 2017 | Warranty Deed, Transfer GUARANTEE TITLE/NORTHWEST FL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2020 · Amount on File |
| Deed Sale | Nov 30, 2020 · Amount on File |
| Prior Sale | Aug 10, 2017 · Amount on File |
| Deed Document Number | 0040351384 |
| Deed Book / Page | 4035 / 1384 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9948 CHUMUCKLA HWY, JAY, FL 32565-7366 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0036741278 |
|---|---|
| Date | Oct 30, 2017 |
| Book Page | 3674/1278 |
| Instrument | 201745302 |
| Name | HARVESTERS FCU |
|---|---|
| Type | Credit Union |
| Address | CANTONMENT, FL 32533 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 369 Months |
| Due | Jul 15, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Aug 15, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 5% |
| Max Rate At Change | 2% |
| Index | 1-Year LIBOR |
| Max Rate | 9.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9948 CHUMUCKLA HWY, JAY, FL 32565-7366 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039370208 |
|---|---|
| Date | Apr 7, 2020 |
| Book Page | 3937/208 |
| Instrument | 202016810 |
| Name | SYNOVUS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35209 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 30, 2020 |
| Property Address | 9948 CHUMUCKLA HWY, JAY, FL 32565-7366 |
| Document Number | 0040351384 |
| Book / Page | 4035 / 1384 |
| Instrument Date | Nov 30, 2020 |
| Instrument | 202064030 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | FIRST INTERNATIONAL TTL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,235.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9948 CHUMUCKLA HWY, 9948, JAY, FL 32565-7366 |
| Name | Verified Name |
|---|---|
| Address | 5748 ENGLISH TURN DR, PACE, FL 32571-8429 |
| Document Number | 0040351386 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 4035/1386 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 16, 2020 |
| Property Address | 9948 CHUMUCKLA HWY, JAY, FL 32565-7366 |
| Document Number | 0039631610 |
| Book / Page | 003963 / 001610 |
| Instrument Date | Jun 15, 2020 |
| Instrument | 29011 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2020 |
| Title Company | CLEAR TITLE/NW FL LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $473.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9948 CHUMUCKLA HWY JAY FL 325657366, JAY, FL 32565-7366 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9948 CHUMUCKLA HWY, JAY, FL 32565-7366 |
| Document Number | 0039490958 |
| Instrument Date | Apr 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9948 CHUMUCKLA HWY JAY FL 325657366, JAY, FL 32565-7366 |
| Document Number | 0039490958 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 003949/000958 |
| Instrument | 22195 |
| Name | SYNOVUS BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, GA 31901 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 10, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 9948 CHUMUCKLA HWY, JAY, FL 32565-7366 |
| Document Number | 0037250124 |
| Instrument Date | Apr 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5046 SERRY LN PACE FL 325718815, PACE, FL 32571-8815 |
| Document Number | 0037250124 |
|---|---|
| Date | May 4, 2018 |
| Book Page | 003725/000124 |
| Instrument | 17994 |
| Name | HARVESTERS FCU |
|---|---|
| Type | Credit Union |
| Address | CANTONMENT, FL 32533 |
| Amount | Amount on Record |
|---|
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 10, 2017 |
| Property Address | 9948 CHUMUCKLA HWY, JAY, FL 32565-7366 |
| Document Number | 0036510509 |
| Book / Page | 003651 / 000509 |
| Instrument Date | Aug 2, 2017 |
| Instrument | 32937 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2017 |
| Title Company | GUARANTEE TITLE/NORTHWEST FL |
| Amount | Amount on Record |
|---|---|
| Tax | $166.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4900 KOLB RD MILTON FL 325709805, MILTON, FL 32570-9805 |
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $4,984.00 (+1.57%) Homeowner's exemption Disabled Person's exemption | $466,877 (+3%) | $517,172 (+0.85%) Land $65,882 Building $451,290 |
| 2023 | $4,907.00 (+5.94%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $453,279 (+6.53%) | $512,826 (+5.71%) Land $65,882 Building $446,944 |
| 2022 | $4,632.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $425,514 | $485,136 Land $65,882 Building $419,254 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9948 Chumuckla Hwy in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 | 6 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
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 risk around 9948 Chumuckla Hwy is high, ranking above 70% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 51% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHUMUCKLA WATER SYSTEM, INC. private · serves 5,527 people · EPA ID FL1570140 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 1 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures