2026 Mill Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 2026 Mill Rd, Cottondale, FL 32431

Property Summary

Property Type	Pasture
Details	4 bd · 3 ba · 2,624 sqft · built 2005
Lot Size	45.7 acres (1,991,563 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Sep 2024)
Tax Bill	$2,543 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit Feb 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-4N-11-0000-0040-0010`

Property Details

APN / Parcel Number

Primary APN	`29-4N-11-0000-0040-0010`
Alternative APN	`11 N 429000000400010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,624 sqft Gross Area
1st Floor Area	2,560 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	1,991,563 sqft (45.7 acres)
Deck Area	64 sqft
Lean-To	576 sqft
Pole Barn	1,152 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2026 MILL RD
City	COTTONDALE
State	FL
Zip	32431-7766
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Pasture
Legal Description	OR 316 P 744 COMM AT SWC OF SW1/4 OF SE1/4, RUN N 500 FT TO BEGIN, RUN N 417 FT, E 209 FT, S 417 FT, W 209 FT TO POB...OR 450 P 385,386 OR 822 P 351 OR 1017 P 511 ALSO...OR 113 P 388 OR 365 P 216 OR 1215 P 102 COMM AT NEC OF SE1/4 OF SW1/4 OF SECT, R
Legal Range	11W
Legal Township	04N
Legal Section	29
Legal Block	10
Legal Lot Number	40
Jurisdiction	JACKSON FL
Township / Civil Division	ALFORD
Census Block Group	2
Census Block	2011
Census Tract	211100

Owner

Source: Jackson County records, as of December 8, 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
Mailing Address	2150 SW 28TH AVE, OKEECHOBEE, FL 34974-5530
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2017	Deed of Trust, Mortgage · Line of Credit ONE SOUTH BANK
Feb 20, 2019	Warranty Deed, Transfer · Line of Credit ONE SOUTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2024 · Amount on Record
Deed Sale	Sep 18, 2024 · Amount on Record
Prior Sale	Feb 20, 2019 · Amount on Record
Deed Document Number	20249530
Deed Book / Page	1845 / 794
Prior Transfer Date	Feb 13, 2019
Prior Transfer Doc	0015990485
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	2026 MILL RD, COTTONDALE, FL 32431-7766
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015400796
Date	Aug 7, 2017
Book Page	1540/0796
Instrument	201732008718

Lender

Name	ONE SOUTH BANK
Type	Bank
Address	CHIPLEY, FL 32428

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 4, 2022

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Feb 20, 2019
Property Address	2026 MILL RD, COTTONDALE, FL 32431-7766
Document Number	0015990485
Book / Page	1599 / 0485
Instrument Date	Feb 13, 2019
Instrument	201932002270
Transaction Type	Transfer
Record Updated	Jan 24, 2022
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,484.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 503, COTTONDALE, FL 32431-0503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 607, ALFORD, FL 32420-0607

Mortgage

Document Number	201932002271
Date	Feb 20, 2019
Instrument	201932002271

Lender

Name	ONE SOUTH BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	62 Months
Due	Apr 13, 2024

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	$2,543.00 (+562.24%)	$190,776 (+221.65%)	$320,735 (-12.53%) Land $160,924 Building $159,811
2024	$384.00 (+4.63%) Homeowner's exemption	$59,311 (+3.05%) Land $16,920 Building $42,391	$366,687 (+42.71%) Land $14,620 Building $352,067
2023	$367.00 (+8.26%) Homeowner's exemption	$57,556 (+2.49%)	$256,953 (+8.71%) Land $31,020 Building $225,933
2022	$339.00 Homeowner's exemption	$56,157 Land $16,200 Building $39,957	$236,361 Land $13,760 Building $222,601

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

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	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

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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
Verizon Fixed Wireless	25 / 6
CenturyLink DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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