2097 River Rd, Sneads, FL 32460 Property Records

Jackson County property record for 2097 River Rd, Sneads, FL 32460 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,363 sqft · built 1995
Lot Size	0.96 acres (41,818 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Jul 2021)
Tax Bill	$5,716 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Oct 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`28-4N-07-0000-0100-0020`

Property Details

APN / Parcel Number

Primary APN	`28-4N-07-0000-0100-0020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,363 sqft Heated Area
Gross Area	5,800 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	41,818 sqft (0.96 acres)
Garage Area	900 sqft
Driveway	Driveway
Driveway Area	2,244 sqft

Exterior Amenities

Pool Area	946 sqft
Porch	Open Porch
Porch Area	276 sqft
Patio Area	624 sqft
Storage Building	325 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2097 RIVER RD
City	SNEADS
State	FL
Zip	32460-2261
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 530 P 611 COMM AT SEC OF NW1/4 OF SE1/4, RUN W 51.86 FT W RTWY CTY ROAD 271, N ALONG RTWY 1100 FT TO N RTWY D'ALMBERTE ST,
Legal Range	07W
Legal Township	04N
Legal Section	28
Legal Subdivision	SNEADS SEC 28
Legal Lot Number	88
Jurisdiction	JACKSON FL
Township / Civil Division	SNEADS
Census Block Group	1
Census Block	1057
Census Tract	210902

Owner

Source: Jackson County records · APN 28-4N-07-0000-0100-0020

Assessment roll updated July 1, 2025 · Last verified January 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 File
Mailing Address	2097 RIVER RD, SNEADS, FL 32460-2261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2017	Deed of Trust, Mortgage · Commercial Mortgage HANCOCK BANK
Oct 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage WHITNEY BANK
Jul 20, 2021	Warranty Deed, Transfer · VA Mortgage USAA FSB
Jun 06, 2019	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jun 06, 2019	Warranty Deed, Transfer MARIANNA TITLE SERVICES INC, MARIANNA TITLE SVCS INC
Jun 20, 2017	Deed of Trust, Mortgage · Line of Credit HANCOCK BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 20, 2021 · Amount on Record
Deed Sale	Jul 20, 2021 · Amount on Record
Prior Sale	Jun 06, 2019 · Amount on Record
Deed Document Number	202132008949
Deed Book / Page	1706 / 927
Record Updated	Jun 08, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	2097 RIVER RD, SNEADS, FL 32460-2261
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015490467
Date	Oct 27, 2017
Book Page	1549/0467
Instrument	201732011777

Lender

Name	HANCOCK BANK
Type	Bank
Address	2097 RIV ROAD, MARIANNA, FL 32446

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 23, 2032

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	2097 RIVER RD, SNEADS, FL 32460-2261
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015490456
Date	Oct 27, 2017
Book Page	1549/0456
Instrument	201732011776

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 01, 2037

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Jul 20, 2021
Property Address	2097 RIVER RD, SNEADS, FL 32460-2261
Document Number	0017060927
Book / Page	1706 / 927
Instrument Date	Jul 16, 2021
Instrument	202132008949
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3249 SANDRIDGE CHURCH RD, 3249, SNEADS, FL 32460-3730

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2097 RIVER RD, SNEADS, FL 32460-2261

Mortgage

Document Number	1706929
Date	Jul 20, 2021
Instrument	1706/929

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Jun 06, 2019
Property Address	2097 RIVER RD, SNEADS, FL 32460-2261
Document Number	0016120438
Book / Page	1612 / 0438
Instrument Date	Jun 05, 2019
Instrument	201932007038
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	MARIANNA TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 336, SNEADS, FL 32460-0336

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2097 RIVER RD, SNEADS, FL 32460-2261

Mortgage

Document Number	0001612440
Date	Jun 06, 2019
Instrument	1612/440

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Jun 06, 2019
Property Address	2097 RIVER RD, SNEADS, FL 32460-2261
Document Number	0016120434
Book / Page	001612 / 000434
Instrument Date	May 31, 2019
Instrument	32007036
Transaction Type	Transfer
Record Updated	Jul 23, 2019
Title Company	MARIANNA TITLE SERVICES INC, MARIANNA TITLE SVCS INC

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 336 SNEADS FL 324600336, SNEADS, FL 32460-0336

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	2097 RIVER RD, SNEADS, FL 32460-2261
Document Number	0015360335
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2097 RIVER RD SNEADS FL 324602261, SNEADS, FL 32460-2261

Mortgage

Document Number	0015360335
Date	Jun 21, 2017
Book Page	001536/000335
Instrument	32006977

Lender

Name	HANCOCK BK
Type	Bank
Address	MARIANNA, FL 32446

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Jackson County
Municipality	Sneads Town
Unified School District	Jackson County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,716.00 (+4.5%) Homeowner's exemption	$365,972 (+2.9%)	$413,106 (-1.24%) Land $8,160 Building $404,946
2024	$5,470.00 (+7.91%) Homeowner's exemption	$355,658 (+3%)	$418,279 (+2.95%) Land $8,160 Building $410,119
2023	$5,069.00 (+15.44%) Homeowner's exemption	$345,299 (+3%)	$406,286 (+21.19%) Land $8,160 Building $398,126
2022	$4,391.00 Homeowner's exemption	$335,242 Land $7,680 Building $327,562	$335,242 Land $7,680 Building $327,562

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Jackson County (12063C), updated January 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120632109021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low above 37% of the US · above 11% of Florida
Wildfire Likelihood	About 1 in 2,083 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 59 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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