2002 Cutchins Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 2002 Cutchins Rd, Cottondale, FL 32431

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,380 sqft · built 1968
Lot Size	4.02 acres (175,111 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Feb 2025)
Tax Bill	$2,170 (2025)
Deeds & Mortgages	Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-5N-12-0000-0160-0020`

Property Details

APN / Parcel Number

Primary APN	`34-5N-12-0000-0160-0020`
Alternative APN	`12 N 534000001600020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,380 sqft Living Area
Gross Area	2,844 sqft
1st Floor Area	2,380 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1980
Architectural Style	Bungalow
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	175,111 sqft (4.02 acres)
Garage Type	Carport
Garage Area	432 sqft
Carport	Carport
Carport Area	432 sqft
Porch	Porch
Pole Barn	960 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2002 CUTCHINS RD
City	COTTONDALE
State	FL
Zip	32431-7118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 159 P 677 W 265 FT OF SW1/4 OF NW1/4 OF NW1/4... OR 378 P 335 OR 1089 P 671 OR 1350 P 991 OR 1366 P 958 OR 1822 P 248 OR 1864 P 972
Legal Range	12W
Legal Township	05N
Legal Section	34
Legal Block	20
Legal Lot Number	160
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	1
Census Block	1048
Census Tract	210400

Owner

2002 Cutchins Rd is owned by two individuals who bought it in February 2025.

Source: Jackson County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2012 CUTCHINS RD, COTTONDALE, FL 32431-7118
Owner Type	Individual
Vesting	His Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2025 · Amount on File
Deed Sale	Feb 28, 2025 · Amount on File
Prior Sale	Nov 16, 2012 · Amount on File
Deed Document Number	20252322
Deed Book / Page	1864 / 972
Prior Transfer Date	Jun 8, 2012
Prior Transfer Doc	0013500991
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	2002 CUTCHINS RD, COTTONDALE, FL 32431-7118
Transaction Type	Mortgage
Record Updated	Nov 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2002 CUTCHINS RD, COTTONDALE, FL 32431-7118

Mortgage

Document Number	0018950423
Date	Oct 15, 2025
Book Page	1895/423
Instrument	202532011750

Lender

Name	COMMUNITY SOUTH CU
Type	Credit Union
Address	CHIPLEY, FL 32428

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	5.62%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	11.6%

Tax Assessment & Valuation

The 2025 property tax bill for 2002 Cutchins Rd was $2,170, up 335.7% 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	$2,170.00 (+335.74%)	$165,646 (+63.76%) Land $24,120 Building $141,526	$165,646 (+21.56%) Land $24,120 Building $141,526
2024	$498.00 (+9.45%) Homeowner's exemption Disabled Person's exemption Additional exemption filed	$101,153 (+2.68%)	$136,267 (+1.68%) Land $24,120 Building $112,147
2023	$455.00 (+2.71%) Homeowner's exemption Disabled Person's exemption Additional exemption filed	$98,512 (+6.84%)	$134,016 (+19.26%) Land $24,120 Building $109,896
2022	$443.00 Homeowner's exemption Disabled Person's exemption Additional exemption filed	$92,207	$112,374 Land $22,110 Building $90,264

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2002 Cutchins Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
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

Wildfire risk around 2002 Cutchins Rd is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% 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 3 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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