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Single Family ResidenceResidential
$312,596$176 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $290,000 on Aug 17, 2023

1923 RUBE SMITH RD

JAY, FL 32565
4
Beds
2
Baths
1,781 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.1 ac
Lot SizeThe size of the land the home sits on, from county records.
2023
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$313K
$290K low$335K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$290,000 · Aug 17, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,395 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$236,996 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$211,696
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$243,983
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$236,996

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.58
65
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
40
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
9
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.32 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySANTA ROSA
Lot (acres)The size of the land the home sits on, from county records.1.10
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Masonry (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 220 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Central SchoolC
Middle · Grades PK–12 · 5.8 mi
E
Chumuckla Elementary SchoolB+
Elementary · Grades PK–6 · 6.3 mi

District: Santa Rosa County School District

Neighborhood · ZIP 32565These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.138
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.75
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.21

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.7,571
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.32 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,427
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,965
Average tempThe average temperature here across a full year.66°F
Annual precipHow much rain and melted snow falls here in a typical year.67 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1923 Rube Smith Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 69% of homes in Jay 32565
  • Costs more per square foot than 69% of homes in Jay 32565
  • Has a bigger lot than 85% of homes in Santa Rosa County
  • Newer than 96% of homes in Santa Rosa County

What homes are worth in Jay 32565

Each bar is how many homes fall in that price range. The marker is this home.

This home
$62K$675K

This home is worth more than 69% of homes in Jay 32565.

How it measures up in Jay 32565

The dot is this home. The mark in the middle is the typical home in Jay 32565.

Estimated value$312,596
CheaperTypical $248,575Pricier

Pricier than 69% of homes nearby

Price per ft²$176
CheaperTypical $142Pricier

Pricier than 69% of homes nearby

Living area1,781 ft²
SmallerTypical 1,624 ft²Bigger

Bigger than 59% of homes nearby

Lot size1.1 ac
SmallerTypical 1.69 acBigger

Bigger than 39% of homes nearby

Year built2023
OlderTypical 1992Newer

Newer than 94% of homes nearby

How 1923 Rube Smith Rd ranks against every home in each area.
MeasureThis homeJay 32565Santa Rosa County
Estimated valuepricier than$312,59669% of homes35% of homes
Price per ft²pricier than$17669% of homes34% of homes
Living areabigger than1,781 ft²59% of homes48% of homes
Lot sizebigger than1.1 ac39% of homes85% of homes
Year builtnewer than202394% of homes96% of homes

About 1923 Rube Smith Rd

How much is 1923 Rube Smith Rd, Jay, FL worth?

The TopHap Estimate for 1923 Rube Smith Rd, Jay, FL is $312,596 as of Sep 24, 2026. The likely range is $289,907 to $335,285. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1923 Rube Smith Rd, Jay, FL last sell?

1923 Rube Smith Rd, Jay, FL last sold on Aug 17, 2023 for $290,000, according to the county's recorded deed.

How big is 1923 Rube Smith Rd, Jay, FL?

1923 Rube Smith Rd, Jay, FL has 4 bedrooms, 2 bathrooms, 1,781 square feet of living space and a 1.10-acre lot.

When was 1923 Rube Smith Rd, Jay, FL built?

1923 Rube Smith Rd, Jay, FL was built in 2023, making it 3 years old. The building has 1 story.

What schools serve 1923 Rube Smith Rd, Jay, FL?

1923 Rube Smith Rd, Jay, FL is assigned to Central School (middle), rated C; Chumuckla Elementary School (elementary), rated B+. All sit in Santa Rosa County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1923 Rube Smith Rd, Jay, FL compare to other homes in Jay 32565?

Among the 3,002 homes in Jay 32565, it is worth more than 69% of them ($312,596 against a typical $248,575), its price per square foot is higher than 69% of them ($176 against a typical $142), it is bigger than 59% of them (1,781 ft² against a typical 1,624 ft²), its lot is bigger than 39% of them (1.1 ac against a typical 1.69 ac) and it is newer than 94% of them (2023 against a typical 1992). Measured against all of Santa Rosa County, it is worth more than 35% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1923 Rube Smith Rd, Jay, FL?

The 2024 property tax bill for 1923 Rube Smith Rd, Jay, FL was $2,395. The county assessed it at $236,996.

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Assigned schools

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