2036 Sapp Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 2036 Sapp Rd, Cottondale, FL 32431

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,564 sqft · built 2020
Lot Size	19.1 acres (835,916 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Mar 2000)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-4N-12-0000-0110-0000`

Property Details

APN / Parcel Number

Primary APN	`27-4N-12-0000-0110-0000`
Alternative APN	`12 N 427000001100000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,564 sqft Living Area
Gross Area	2,424 sqft
1st Floor Area	1,564 sqft
Flooring	Carpet

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Bungalow
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	835,916 sqft (19.1 acres)
Garage Type	Attached
Garage Area	528 sqft
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2036 SAPP RD
City	COTTONDALE
State	FL
Zip	32431-7634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 45 P 480 S1/2 OF SW1/4, LYING E OF CTY ROAD & NW1/4 OF SW1/4 OF SE1/4...OR 318 P 111 OR 472 P 655 OR 487 P 431 OR 555 P 537...LESS 9.91AC PER OR 650 P 171 OR 767 P 441,443 OR 1179 P 935 OR 1613 P 701 OR 1713 P 14 OR 1713 P 16
Legal Lot Number	110
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	3
Census Block	3086
Census Tract	210400

Owner

Source: Jackson County records, as of August 12, 2026

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	2036 SAPP RD, COTTONDALE, FL 32431-7634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Intrafamily Transfer, Transfer · VA Mortgage STEARNS LENDING LLC
Mar 3, 2020	Deed of Trust, Construction Loan · Line of Credit PEOPLESSOUTH BK
Jun 18, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2000 · Amount on Record
Deed Sale	Mar 14, 2000 · Amount on Record
Deed Document Number	20003613
Deed Book / Page	767 / 443
Last Transfer Date	Aug 25, 2021
Transfer Doc	0000010772
Record Updated	Sep 20, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON FL
Recording Date	Aug 31, 2021
Property Address	2036 SAPP RD, COTTONDALE, FL 32431-7634
Document Number	0017130016
Book / Page	1713 / 16
Instrument Date	Aug 26, 2021
Instrument	202132010773
Transaction Type	Transfer
Record Updated	Feb 9, 2023
Title Company	FLORIDA LAND TITLE & TR CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2036 SAPP RD, COTTONDALE, FL 32431-7634

Mortgage

Document Number	0017130020
Date	Aug 31, 2021
Book Page	1713/20
Instrument	202132010776

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Recording Date	Mar 3, 2020
Property Address	2036 SAPP RD, COTTONDALE, FL 32431-7634
Document Number	0016420563
Book / Page	001642 / 000563
Instrument Date	Mar 3, 2020
Instrument	32002369
Transaction Type	Construction Loan
Record Updated	Jun 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2036 SAPP RD COTTONDALE FL 324317634, COTTONDALE, FL 32431-7634

Mortgage

Document Number	16420563
Date	Mar 3, 2020
Book Page	001642/000563
Instrument	32002369

Lender

Name	PEOPLESSOUTH BK
Type	Bank
Address	CHIPLEY, FL 32428

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 2, 2021

Interest

Rate Type	Adjustable Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Jun 18, 2019
Property Address	2036 SAPP RD, COTTONDALE, FL 32431-7634
Document Number	0016130701
Book / Page	001613 / 000701
Instrument Date	Jun 17, 2019
Instrument	32007496
Transaction Type	Transfer
Record Updated	Jul 23, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2036 SAPP RD COTTONDALE FL 324317634, COTTONDALE, FL 32431-7634

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	Homeowner's exemption Veteran's exemption	$77,158 (+5.99%)	$271,496 (+5.44%) Land $47,975 Building $223,521
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$72,799	$257,480 Land $47,975 Building $209,505

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
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 44% of the US · lower than 85% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wildstar Networks Fixed Wireless	200 / 50
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G and 4G LTE (outdoors only)

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