1975 Comet Ln, Cottondale, FL 32431 Property Records

Jackson County property record for 1975 Comet Ln, Cottondale, FL 32431

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,885 sqft · built 1984
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Oct 2017)
Deeds & Mortgages	Jul 2022 Second Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`35-4N-12-0000-0040-0160`

Property Details

APN / Parcel Number

Primary APN	`35-4N-12-0000-0040-0160`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,885 sqft Heated Area
Gross Area	3,038 sqft
Interior Walls	Plywood

Exterior

Year Built	Built 1984
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	50,094 sqft (1.15 acres)
Garage Type	Carport
Carport	Carport
Porch	Open Porch
Lean-To	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1975 COMET LN
City	COTTONDALE
State	FL
Zip	32431-7605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 107 P 703 OR 1008 P 838 OR 1043 P 275 OR 1107 P 205 OR 1248 P 382 CASE#32-2008-CA- 000308...OR 1260 P 664 OR 1547 P 998 CO
Legal Range	12W
Legal Township	04N
Legal Section	35
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	3
Census Block	3086
Census Tract	210400

Owner

Source: Jackson County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1975 COMET LN, COTTONDALE, FL 32431-7605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU
Feb 5, 2021	Deed of Trust, Mortgage · VA Mortgage RP FUNDING INC
Jan 29, 2018	Deed of Trust, Mortgage · VA Mortgage RP FUNDING INC
Nov 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Oct 13, 2017	Warranty Deed, Transfer · VA Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2017 · Amount on Record
Deed Sale	Oct 13, 2017 · Amount on Record
Prior Sale	Jan 6, 2010 · Amount on Record
Deed Document Number	0001547998
Deed Book / Page	1547 / 998
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	1975 COMET LN, COTTONDALE, FL 32431-7605
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1975 COMET LN, COTTONDALE, FL 32431-7605

Mortgage

Document Number	0017560991
Date	Jul 22, 2022
Book Page	1756/991
Instrument	202232008734

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32405

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Aug 1, 2027

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	1975 COMET LN, COTTONDALE, FL 32431-7605
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016830067
Date	Feb 5, 2021
Book Page	1683/67
Instrument	202132001431

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	1975 COMET LN, COTTONDALE, FL 32431-7605
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015590201
Date	Jan 29, 2018
Book Page	1559/0201
Instrument	201832001271

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	MAITLAND, FL 32751

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2047

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	1975 COMET LN, COTTONDALE, FL 32431-7605
Document Number	0015880880
Instrument Date	Nov 1, 2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1975 COMET LN COTTONDALE FL 324317605, COTTONDALE, FL 32431-7605

Mortgage

Document Number	0015880880
Date	Nov 7, 2018
Book Page	001588/000880
Instrument	32011741

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 6, 2033

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Oct 13, 2017
Property Address	1975 COMET LN, COTTONDALE, FL 32431-7605
Document Number	0015470998
Book / Page	1547 / 0998
Instrument Date	Oct 13, 2017
Instrument	201732011254
Transaction Type	Transfer
Record Updated	Jan 24, 2022
Title Company	MANANNA TITLE SVCS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6158 ROCKY CREEK RD, 6158, MARIANNA, FL 32448-7397

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1975 COMET LN, COTTONDALE, FL 32431-7605

Mortgage

Document Number	201732011255
Date	Oct 13, 2017
Instrument	201732011255

Lender

Name	RP FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of July 1, 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	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$119,532 (+5.99%)	$171,863 (+0.4%) Land $9,775 Building $162,088
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$112,780	$171,172 Land $9,775 Building $161,397

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · Hurricane Sally

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	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% 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 20 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: AT&T, CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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