2105 Sapp Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 2105 Sapp Rd, Cottondale, FL 32431

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 2,028 sqft · built 1937
Lot Size	115 acres (5,018,112 sqft)
Owner	Individual Name on Record
Tax Bill	$897 (2025)
Deeds & Mortgages	Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-4N-12-0000-0140-0000`

Property Details

APN / Parcel Number

Primary APN	`27-4N-12-0000-0140-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,028 sqft Heated Area
Gross Area	2,992 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1989
Exterior Material	Precast Concrete Panel
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,018,112 sqft (115 acres)
Porch	Open Porch
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2105 SAPP RD
City	COTTONDALE
State	FL
Zip	32431-7637
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	THAT PART OF NE1/4 OF SW1/4 LYING W OF COTTONDALE & CYPRES CREEK RD ALSO 8A ON S SIDE OF SE1/4 OF NW1/4 LYING W OF SAID ROAD.
Legal Range	12W
Legal Township	04N
Legal Section	27
Legal Subdivision	COTTONDALE
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	3
Census Block	3087
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	2105 SAPP RD, COTTONDALE, FL 32431-7637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 28, 2025
Transfer Doc	0018680706
Record Updated	Jun 8, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	2105 SAPP RD, COTTONDALE, FL 32431-7637
Document Number	0016010032
Instrument Date	Feb 27, 2019
Transaction Type	Mortgage
Record Updated	Apr 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2105 SAPP RD COTTONDALE FL 324317637, COTTONDALE, FL 32431-7637

Mortgage

Document Number	0016010032
Date	Mar 4, 2019
Book Page	001601/000032
Instrument	32002944

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	PO BOX 7000, MARIANNA, FL 32447-7000

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Mar 3, 2029

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	$897.00 (+51.26%) Homeowner's exemption	$107,688 (+27.73%) Land $37,526 Building $70,162	$518,795 (+135.18%)
2024	$593.00 (+7.82%) Homeowner's exemption	$84,310 (+2.78%) Land $10,586 Building $73,724	$220,595 (+1.75%) Land $6,000 Building $214,595
2023	$550.00 (+11.34%) Homeowner's exemption	$82,027 (+2.53%)	$216,807 (+16.93%) Land $16,450 Building $200,357
2022	$494.00 Homeowner's exemption	$80,002 Land $10,510 Building $69,492	$185,410 Land $6,000 Building $179,410

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 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 (outdoors only) and 4G LTE

Nearby Properties on Sapp Rd

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