1973 Wesley Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 1973 Wesley Rd, Cottondale, FL 32431

Property Summary

Property Type	Timberland, Forest, Woodland Vacant Land
Details	3 bd · 2 ba · 1,952 sqft · built 2019
Lot Size	12 acres (522,720 sqft)
Owner	2 Individual Names on File
Last Sale	$89,900 (Oct 2005)
Tax Bill	$1,593 (2025)
Deeds & Mortgages	Feb 2026 Transfer Nov 2018 Construction Loan + 1 more
Flood Zone	Zone A (high risk)
APN	`28-4N-11-0000-0060-0030`

Property Details

APN / Parcel Number

Primary APN	`28-4N-11-0000-0060-0030`
Alternative APN	`11 N 428000000600030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,952 sqft Gross Area
1st Floor Area	1,920 sqft
Flooring	Carpet
Accessibility Features	Accessibility Features

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	522,720 sqft (12 acres)

Exterior Amenities

Deck Area	Deck Area
Shed	1 Shed
Shed Area	480 sqft
Cabin	Cabin
Lean-To	240 sqft
Pole Barn	720 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1973 WESLEY RD
City	COTTONDALE
State	FL
Zip	32431-8712
Property Category	Vacant Land
Property Type	Vacant Land > Timberland, Forest, Woodland
Legal Description	PRCL #2: BEGIN AT NEC OF SW1/4 OF SE1/4, RUN W 1319.23 FT, CONTINUE W 332.57 FT TO E/LY RTWY ROAD, S 29* E ALONG RTWY 442.57 FT TO C/L WESLEY ROAD, N 83* E ALONG C/L 1316.63 FT, N 83* E ALONG C/L 403.23 FT, N 174.72 FT, W 278.83 FT TO POB. OR 593 P 1
Legal Block	30
Legal Lot Number	60
Jurisdiction	JACKSON FL
Township / Civil Division	ALFORD
Census Block Group	2
Census Block	2010
Census Tract	211100

Owner

1973 Wesley Rd, timberland, forest, woodland vacant land, is owned and occupied by two individuals who acquired it in February 2026.

Source: Jackson County records, as of April 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1973 WESLEY RD, COTTONDALE, FL 32431-8712
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 27, 2018	Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL BANK
Dec 31, 2019	Loan Modification, Mortgage · Conventional with PMI FIRST FED'L SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2005 · Amount on File
Deed Sale	Oct 13, 2005 · Amount on File
Prior Sale	Jul 14, 2004 · Amount on File
Deed Document Number	200519505
Deed Book / Page	1047 / 693
Last Transfer Date	Feb 13, 2026
Transfer Doc	0019100078
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON FL
Recording Date	Feb 13, 2026
Property Address	1973 WESLEY RD, COTTONDALE, FL 32431-8712
Document Number	0019100078
Book / Page	1910 / 78
Instrument Date	Feb 13, 2026
Instrument	202632001598
Transaction Type	Transfer
Record Updated	Mar 18, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1973 WESLEY RD, COTTONDALE, FL 32431-8712

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1973 WESLEY RD, COTTONDALE, FL 32431-8712

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	1973 WESLEY RD, COTTONDALE, FL 32431-8712
Transaction Type	Mortgage
Record Updated	May 9, 2022
Title Company	FLORIDA LAND TITLE & TRUST C

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015900317
Date	Nov 27, 2018
Book Page	1590/0317
Instrument	201832012341

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Dec 1, 2049

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JACKSON FL
Property Address	1973 WESLEY RD, COTTONDALE, FL 32431-8712
Document Number	0016360552
Instrument Date	Dec 31, 2019
Transaction Type	Mortgage
Record Updated	Mar 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1973 WESLEY RD COTTONDALE FL 324318712, COTTONDALE, FL 32431-8712

Mortgage

Document Number	0016360552
Date	Jan 9, 2020
Book Page	001636/000552
Instrument	32000276

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 8, 2050

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 1973 Wesley Rd was $1,593 with a homeowner's exemption, up 3.3% from the year before.

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	$1,593.00 (+3.31%) Homeowner's exemption	$159,877 (+2.93%)	$266,996 (-1.34%) Land $74,600 Building $192,396
2024	$1,542.00 (+6.05%) Homeowner's exemption	$155,319 (+2.97%) Land $1,600 Building $153,719	$270,626 (+6.1%) Land $17,000 Building $253,626
2023	$1,454.00 (+10.4%) Homeowner's exemption	$150,842 (+2.97%)	$255,056 (+16.92%) Land $18,600 Building $236,456
2022	$1,317.00 Homeowner's exemption	$146,495 Land $1,600 Building $144,895	$218,150 Land $16,000 Building $202,150

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

Flood

FEMA maps place 1973 Wesley Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2018 · Hurricane Michael

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

Wildfire risk around 1973 Wesley Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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