Jay Homes under $700,000

Welcome to Jay, Florida—a hidden gem nestled in the heart of Santa Rosa County. Known for its picturesque landscapes and friendly community, Jay offers a serene escape from the hustle and bustle of city life while still providing easy access to nearby urban amenities. With its charming small-town vibe, this quaint community is perfect for families, retirees, and anyone seeking a peaceful lifestyle surrounded by nature.

One of the most appealing aspects of Jay is its diverse real estate market, particularly for those looking for homes under $700,000. Here, you’ll find a variety of options, from cozy single-family homes to spacious properties with sprawling yards, perfect for outdoor enthusiasts and families alike. Many of these homes feature modern amenities while still retaining the character and charm that make living in Jay so special.

The town is also known for its excellent schools, local parks, and recreational activities, making it an ideal place to raise a family. Enjoy weekends exploring the nearby Blackwater River State Forest, where you can hike, fish, or simply bask in the beauty of nature.

With its affordable housing options and a welcoming community spirit, Jay is not just a place to live; it’s a place to thrive. Whether you’re a first-time homebuyer or looking to settle down, there’s no better time to explore what this enchanting town has to offer. Discover your dream home in Jay today!

Newest Jay Homes under $700,000

$228,000

3 Beds ⋅ 2 Baths ⋅ 689544 MLS

Welcome to Your New Home with Completion expected around December 31, 2026! The New Construction of the Bair Plan is a well designed 1,200 sq ft of living space on al.15+/- of an acre lot with a single car garage and covered back patio. Amazing opportunity to live in the Town of Jay City Limits where you can be close to the Hospital, Jay Medical Center, Dollar General Market, Grocery Store, Schools and Sporting Events- All while being nestled in the surroundings of Rural areas of beauty from sprawling farm land and timber properties. You are a short, scenic drive to Blackwater State Forest with Equestrian facilities, Bear Lake and Camping Sites, and areas for relaxing river trips in the Nature that God Created! No need to agonize over long work days in this yard, leaving you with memories to be made with your favorite hobbies and enjoyments! This Open Entertainment concept under Cathedral ceilings boasts Livingroom and Inviting Kitchen designed with Island with overhang for seating allowing everyone to be in the conversation! Access the french door to the 17'8" wide covered rear porch ready for your anytime BBQ's! Storage was not left out with the Pantry, Laundry room space with pocket door, and Pull Down Stairs in the Single Car Garage. Main bedroom suite with heightened boxed trey ceiling provides walk in closet and personal access to the private bathroom with double sinks and 34" x 5 ft Shower. The two additional spacious 11'8" wide bedrooms each have double door closets. Hall Bath is convenient for everyday living and guest access when enjoying fellowship. Photos mix may be examples of Prior Built homes of Similar Plan and may not be this actual build. Home information, including pricing, included features, terms, availability and amenities, Pictures, colors, features, and sizes are for illustration purposes only, could vary from the homes as built, and are subject to change. Additional Lots available for desire to choose your own colors!

3981 Mccutchin Dr, Jay

$249,900

3 Beds ⋅ 2 Baths ⋅ 689505 MLS

The New Construction of the Carabelle Plan is a well designed 1,306 sq ft of living space on .24+/- of an acre lot with a single car garage and covered rear patio. This 3 bedroom 2 bath plan offers all bedrooms on one side of the home. Amazing opportunity to live in the Town of Jay City Limits where you can be close to Baptist Hospital, Jay Medical Center, Specialty Doctors, Multiple Pharmacy options, Dollar General Market, Grocery Store, Family Dollar, Schools and Sporting Events, and Selection of Restaurants and Small Business Shopping- All while being nestled in the surroundings of Rural areas of beauty from sprawling farm land and timber properties. You are a short, scenic drive to Blackwater State Forest with Equestrian facilities, Bear Lake and Camping Sites, or relaxing river trips in the Nature that God Created! The beautiful backyard views from this particular lot is ready for your firepit, playground equipment, raised garden, or for enjoying the coming up and down of the sun! This Open Entertainment concept with box trey ceilings in Livingroom overlooks the kitchen designed with Island allowing everyone to be in the conversation! Access the single french door to the 18' wide covered rear porch ready for your anytime BBQ's! Storage was not left out with the Pantry, Laundry room space, and in the Single Car Garage. Main bedroom suite with heightened boxed trey ceiling, 10' walk in closet and personal access to the private bathroom with double sinks, shower, and double door linen closet. The two additional spacious 11'4" deep bedrooms each have ample closets. Hall Bath is convenient for everyday living and guest access when enjoying fellowship. Some Photos may be of similar completed homes, different floor plans, upgrade features chosen in prior builds, and are for illustrative purposes only and may not be this actual build. Buyer Color Selection options are based on stage of build- Additional Lots available!

5142 Blackmon Dr, Jay

$289,999

3 Beds ⋅ 2 Baths ⋅ 689500 MLS

Beautifully designed 3-bedroom, 2-bathroom home offering approximately 1,386 square feet of thoughtfully appointed living space, complemented by spacious covered front and back porches. The interior showcases a sophisticated open-concept design with rich brown-stained concrete flooring, elegant tray ceilings, and an inviting layout ideal for both everyday living and entertaining. The gourmet-inspired kitchen features soft natural wood Stone Lion cabinetry, granite countertops, and an oversized island designed to provide abundant workspace, storage, and comfortable dining. The spacious primary suite offers a private retreat with a generous walk-in closet that conveniently connects directly to the laundry room for added functionality. Thoughtful details continue throughout the home, including a charming built-in hall bench with storage, generously sized secondary bedrooms with ample closets, and a beautifully appointed guest bathroom. Every element of this home has been thoughtfully planned to combine elevated style, comfort, and everyday convenience. These photos are AI generated as it is under construction, colors can vary. Estimated completion mid November 2026.

4821 Green Rowell Rd, Jay

$289,999

3 Beds ⋅ 2 Baths ⋅ 689493 MLS

New construction 3-bedroom, 2-bathroom home situated on 1.00 acre with 1,386 square feet of living area and an oversized garage. The home will feature a white Hardie exterior with black trim and iron oar doors, along with both a covered front porch and rear porch. The kitchen includes real wood maple cabinetry, a large center island, granite countertops, and a window positioned above the kitchen sink. Brown marble-stained concrete flooring and black fixtures provide a cohesive finish throughout the home. The spacious primary suite includes his-and-hers sinks and a large walk-in closet with direct access to the laundry room for added convenience. The two guest bedrooms offer spacious accommodations and share a well-appointed guest bathroom. The property includes mature pecan trees and a privacy fence along the right side of the home. Located in a peaceful setting on a full acre, this property offers ample outdoor space, functional interior features, and an oversized garage. Photos are virtually generated . This home will be completed construction November 2026.

13732 N Hwy 87, Jay

$449,900

4 Beds ⋅ 2 Baths ⋅ 689428 MLS

Enjoy living the country life in this Charming Modern Craftsman style New Construction offering 2,014 square feet of Comfortable Living Space and an Expansive 19'x17' covered back porch nestled on just over 1 Acre! Imagine the peaceful setting of enough porch space to feel the breeze of the ceiling fan over both a full dining setup and a relaxing rocking chair lounge area while listening to the birds over a cup of coffee- create the relaxation you have dreamed of! Open concept plan as Livingroom with Cathedral Ceilings is enhanced with rays of sunshine beaming from the surrounding windows as you overlook the rolling farm fields, beautiful skyline, and occasional deer. Large central island in Kitchen keeps the cook in the conversation and 8'6" walk-in pantry provides a place for everything! Open Dining Area gives mesmerizing memories to stargazing over a homecooked meal! Four bedrooms and two full bathrooms, Luxury Vinyl Plank in all general areas of the home, plush carpet in the bedrooms as you wake up each morning, and tile flooring in Laundry and Both Bathrooms. This floor plan splits the bedrooms from the 16'x14'6" Master Bedroom with 16' Ensuite offering Double Vanity, Freestanding Tub, and Separate Tile Shower, which leads into an oversized 12'x8' closet! Double access into Laundry room from Master closet and also from Mud Area garage entry space - Additional 3 Bedrooms are on the opposite side of the home with generous closet space and natural light choice from all angles- pick the room styles that suite you based on your use. Some Photos may be of similar completed homes, different floor plans, upgrade features chosen in prior builds, and are for illustrative purposes only. Actual home, colors, finishes, fixtures, options, and features may vary - Projected completion is late December 2026. Stage of New Construction at time of contract may allow for Buyer's Choice of colors in some areas that have not already been previously selected. Come make it your own!

1436 Sid Hayes Rd, Jay

$325,000

3 Beds ⋅ 2 Baths ⋅ 689343 MLS

Fifteen acres in the heart of Jay, with a home worth bringing back to life! The circular driveway winds through mature pecan, oak, and pine trees before opening up to a 1962 brick home full of stories and ready for its next chapter. This 3-bedroom, 1.5-bath home still has the details that make older homes so special: original heart pine walls and hardwood floors that have history, yet a lot of life left to live. Mature pear and plum trees plus muscadine grape vines are right in the backyard, making it easy to gather homegrown fruit for you and your family. The detached two car garage can also serve as a large workshop, with a metal lean-to off the back for livestock or extra storage. The home needs updates and is being sold **as is**, but its character is already here. For someone ready to restore it, this is a chance to make 15 acres in Jay your own and enjoy it for decades to come. Zoned AG-RR.

2780 Mcduffie Ln, Jay

$489,900

4 Beds ⋅ 3 Baths ⋅ 689186 MLS

Crafted by a local builder who takes pride in every detail, you’ll immediately notice the difference the moment you walk through the door. From the inviting front porch with decorative wood columns to the soaring vaulted ceilings, custom cypress beams, and stunning fireplace, every space was thoughtfully designed to feel like home. The open-concept layout was made for gathering, with a beautiful kitchen at the center featuring custom cabinetry, premium finishes, a gas range, oversized island, and plenty of storage. Whether you’re hosting family and friends or enjoying a quiet night at home, this floor plan simply works. The split-bedroom design offers privacy where it matters most. The primary suite is a true retreat with a freestanding soaking tub, custom tiled walk-in shower, dual vanities, and an oversized walk-in closet. Additional bedrooms offer plenty of flexibility for family, guests, an office, or hobby space. Situated on 2.29 acres in Crofton Farms, this home gives you the space and privacy of acreage while still being in a great location. Crofton Farms offers larger homesites on 2-4 acres with an HOA in place to help protect property values and maintain the overall feel of the community. Homes built with this level of craftsmanship don’t come around every day. Quality never goes out of style, and this one was built with it from the very beginning. Estimated completion is December 2026, giving buyers the rare opportunity to get in early. Depending on the stage of construction, buyers under contract may have the ability to select certain finishes and add their own personal touch before completion.

10830 Straw Bridge Rd, Jay

$229,999

4 Beds ⋅ 2 Baths ⋅ 689090 MLS

Motivated Sellers!!! Escape the hustle and bustle and enjoy peaceful country living in this charming 4-bedroom, 2-bathroom brick and vinyl home situated on 1.11 acres in Jay, Florida. Nestled among mature trees, the property offers a private, peaceful setting with a spacious backyard and plenty of room to enjoy outdoor living. Inside, the home features a spacious kitchen with an abundance of white cabinetry and countertop space, a decorative backsplash, and a large window overlooking the backyard. The kitchen and dining area have been updated with new vinyl flooring, adding a fresh look while providing easy maintenance. The primary bedroom also features NEW carpet for added comfort. The property offers plenty of outdoor space along with a shed, providing excellent options for storage, hobbies, gardening, or other projects. With its generous 1.11-acre lot, mature trees, private backyard, spacious kitchen, and comfortable 4-bedroom layout, this home offers the space and tranquility many buyers are looking for in a country setting. Acreage, privacy, storage, and room to spread out—come take a look and see what this Jay property has to offer!

4963 Hwy 4, Jay

$299,000

2 Beds ⋅ 2 Baths ⋅ 688843 MLS

Rustic Retreat on 16 Acres – Cabin, Creek, Septic, and Well – Jay, FL Area Calling all investors, DIYers, or nature lovers! This 16-acre wooded escape offers a unique opportunity to own a peaceful rural property with solid infrastructure already in place. Tucked away in close proximity to Jay and Century, FL, this property features a 1,144 SQFT cabin ready for your vision and creativity. The cabin includes a full kitchen, living room, bedroom, and 2 bathrooms, plus a bonus enclosed workshop area and well house. While the cabin needs some TLC, the bones are there to transform it into a short-term rental, hunting camp, or private family getaway. Enjoy the sound of a seasonal creek, mature trees, and abundant wildlife. With septic, well, and power already on-site, much of the heavy lifting is done—just bring your ideas and imagination! Property Features: • 16 acres of private, wooded land • 1,144 SQFT cabin (1BR/2BA) • Full kitchen, living room, and enclosed shop area • Existing well and septic • Creek on property • Ideal for VRBO, Airbnb, or weekend retreat • Close to Jay & Century, FL • Sold AS IS This is a rare opportunity to own usable acreage with a head start on development. Turn this rustic setting into your dream cabin or income-producing getaway!

4660 Morristown Rd, Jay

$650,000

4 Beds ⋅ 2 Baths ⋅ 688534 MLS

5 Parcels: Homestead House at 4931 Neal Jones Rd, 0.555 acre. One parcel is Timberland Site Index 80-89, 2.59 acres, no address; and one parcel is Cropland Class 2, 10.127 acres, no address. The other two parcels are listed as 4919 Neal Jones Rd, 1 acre, and 4923 Neal Jones Rd, Cropland Class 2, 16.43 acres. A TOTAL OF 30+ ACRES..

4931 Neal Jones Rd, Jay

$150,000

3 Beds ⋅ 1 Baths ⋅ 688283 MLS

Welcome to 6700 Camp Henderson Rd in Jay, Florida, where classic character meets peaceful country living. Situated on approximately 1 acre, this charming 1934 home offers 3 bedrooms and 1 bathroom with beautiful original wood floors that highlight its timeless appeal. Enjoy relaxing mornings or quiet evenings on the screened-in front porch. Additional features include a durable metal roof, with portions replaced in 2014 and additional updates completed in 2026, HVAC system installed in 2021, water heater installed in 2021, and septic system pumped in 2025. With plenty of outdoor space and vintage charm, this property offers a wonderful opportunity to enjoy country living while making this classic home your own.

6700 Camp Henderson Rd, Jay

$340,000

4 Beds ⋅ 2 Baths ⋅ 688037 MLS

Welcome home to this move-in ready property situated on a fully fenced 1-acre lot with plenty of room to spread out! Inside, you’ll find an easy, functional floor plan with LVP flooring throughout, including the bathrooms, plus added cabinetry in the laundry room for extra storage. Step outside to the spacious 13x21 covered back porch with a concrete slab—the perfect spot to relax and enjoy the backyard. One of the biggest highlights is the 36x24 barn/shop featuring a concrete slab, power AND water already run to it, making it ideal for hobbies, storage, equipment, or a workshop. The chicken coop conveys, too! With a fully fenced acre, city water, gutters, and plenty of usable outdoor space, this property offers a little extra breathing room while still giving you all the conveniences of home

3244 Shell Rd, Jay

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