1205 Richter Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 1205 Richter Rd, Cottondale, FL 32431

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,690 sqft · built 1979
Lot Size	39 acres (1,698,840 sqft)
Owner	Company Name on Record
Last Sale	$694,900 (Nov 2021)
Tax Bill	$6,490 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-5N-13-0000-0060-0000`

Property Details

APN / Parcel Number

Primary APN	`13-5N-13-0000-0060-0000`
Alternative APN	`13 N 513000000600000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,690 sqft Living Area
Gross Area	4,817 sqft
1st Floor Area	2,570 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1999
Architectural Style	Bungalow
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	1,698,840 sqft (39 acres)
Garage Type	Carport
Garage Area	576 sqft
Carport	Carport
Carport Area	576 sqft
Driveway	Driveway
Driveway Area	3,200 sqft

Exterior Amenities

Porch	Finished/Open Porch
Gazebo	Gazebo
Stable	496 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Cistern

Location & Zoning

Street Address	1205 RICHTER RD
City	COTTONDALE
State	FL
Zip	32431-6672
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW1/4 OF NW1/4... DB 641 P 522 OR 1289 P 963 OR 1386 P 316 OR 1535 P 156 OR 1675 P 1 OR 1718 P 446 OR 1723 P 516
Legal Range	13W
Legal Township	05N
Legal Section	13
Legal Lot Number	60
Jurisdiction	JACKSON FL
Township / Civil Division	GRACEVILLE
Census Block Group	2
Census Block	2050
Census Tract	210301

Owner

Source: Jackson County records, as of April 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	1205 RICHTER RD, COTTONDALE, FL 32431-6672
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Deed of Trust, Mortgage · Commercial Mortgage GULF COAST BANK & TRUST CO
Nov 10, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage GULF COAST BANK & TRUST CO
Jun 12, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2021 · Amount on Record
Deed Sale	Nov 10, 2021 · Amount on Record
Prior Sale	Jun 1, 2017 · Amount on Record
Deed Document Number	202113945
Deed Book / Page	1723 / 516
Prior Transfer Date	May 18, 2007
Prior Transfer Doc	0012890963
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	1205 RICHTER RD, COTTONDALE, FL 32431-6672
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	152 NEEDLE CAST LN, INLET BEACH, FL 32461-7438

Mortgage

Document Number	0019050107
Date	Dec 31, 2025
Book Page	1905/107
Instrument	202532014557

Lender

Name	GULF COAST BANK & TRUST CO
Type	Bank
Address	METAIRIE, LA 70005

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 30, 2045

Interest

Rate Type	Adjustable Rate

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Nov 10, 2021
Property Address	1205 RICHTER RD, COTTONDALE, FL 32431-6672
Document Number	0017230516
Book / Page	1723 / 516
Instrument Date	Nov 10, 2021
Instrument	202132013945
Transaction Type	Transfer
Record Updated	Dec 16, 2021
Title Company	NOT AVAILABLE, KETCHERSID LAND & TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,864.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	782 3RD ST, 782, CHIPLEY, FL 32428-1819

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 RICHTER RD, COTTONDALE, FL 32431-6672

Mortgage

Document Number	0001723518
Date	Nov 10, 2021
Instrument	1723/518

Lender

Name	GULF COAST BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 10, 2041

Interest

Rate Type	Adjustable Rate

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON FL
Recording Date	Jun 12, 2017
Property Address	1205 RICHTER RD, COTTONDALE, FL 32431-6672
Document Number	0015350156
Book / Page	001535 / 000156
Instrument Date	Jun 7, 2017
Instrument	32006543
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Jackson County
Unified School District	Jackson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,490.00 (-1.23%)	$486,808 (-0.97%)	$643,978 (-0.74%) Land $262,900 Building $381,078
2024	$6,571.00 (+4.25%)	$491,598 (+2.48%) Land $105,730 Building $385,868	$648,768 (+1.87%) Land $25,000 Building $623,768
2023	$6,303.00 (+23.2%)	$479,698 (+16.04%)	$636,878 (+54.07%) Land $105,720 Building $531,158
2022	$5,116.00	$413,379 Land $107,500 Building $305,879	$413,379 Land $107,500 Building $305,879

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 15, 2026 · 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 7 (15% premium discount)
Nearby Flood Policies	3 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Richter Rd

Nearby Streets

All Cottondale, FL Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures