10841A Luker Way, Jay, FL, 32565
About This Home
Fully renovated 3,190 sq ft all-brick home situated on 2.3 private acres in Chumuckla, FL. Renovated top to bottom, this property offers space, flexibility, and major system updates for true move-in-ready living. Inside, you’ll find engineered laminate flooring, two spacious living areas downstairs, and two back-to-back fireplaces that create warmth and character between the main gathering spaces. The large, centrally located kitchen flows seamlessly into a spacious formal dining room, ideal for entertaining or hosting family gatherings. A convenient half bath is located off the main hallway for guests. Upstairs features four bedrooms and two full bathrooms, offering a functional layout with sleeping quarters separate from the main living areas. The downstairs secondary living area offers excellent flexibility and could easily be converted into a primary suite with a full bath if desired, making this home suitable for multi-generational living or a first-floor master option. The oversized mudroom/laundry room provides additional storage and practicality. Major upgrades include a brand-new roof, new heat pump, all new HVAC units (inside and out), new electrical panel, and brand-new windows. Step outside to a covered back porch overlooking the quiet backyard — the perfect place to unwind and enjoy the peaceful setting. With 2.3 acres of usable land and a fully updated brick exterior, this property offers the best of country living with room to grow.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1977
Materials
- Foundation: Off Grade
- Roof: Shingle
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Water Heater
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 3,190
- Total interior livable area: 3,190 sqft
Kitchen
- Level: First
- Area: 375
Living Room
- Level: First
- Area: 600
Property
Details
- Parcel number: Tbd
- Zoning description: Agricultural
Features
- Levels: Two
- Stories: 2
- Pool features: None
Lot
- Lot size: 2.30 Acres
Parking
- Parking features: Driveway
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Lightning
- Tornado
- Cold Wave
- Drought
- Heat Wave
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Santa Rosa County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,525 | $30,300 |
| Home Insurance * | $248 | $2,976 |
| Property Taxes | $249 | $2,988 |
| Electricity | $321 | $3,852 |
| Total | $3,343 | $40,116 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-08 | Price change | $525,000 |
| 2026-03-22 | Listed for sale | $535,000 |
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