2160 Mill Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 2160 Mill Rd, Cottondale, FL 32431

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 2,313 sqft · built 1987
Lot Size	17.4 acres (757,944 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Mar 2021)
Tax Bill	$3,675 (2025)
Deeds & Mortgages	Jul 2017 Second Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-4N-11-0000-0020-0020`

Property Details

APN / Parcel Number

Primary APN	`29-4N-11-0000-0020-0020`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,313 sqft Heated Area
Gross Area	3,061 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	757,944 sqft (17.4 acres)

Exterior Amenities

Porch	Enclosed Porch
Fence	Fence
Shed	1 Shed
Lean-To	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2160 MILL RD
City	COTTONDALE
State	FL
Zip	32431-7768
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	BEGIN AT SEC OF NW1/4 OF NE1/4 RUN W 757.3 FT TO ROAD, NE/LY ALONG ROAD 498.40 FT, E 595 FT N 847.99 FT, E 330.62 FT, S 1323.
Legal Range	11W
Legal Township	04N
Legal Section	29
Jurisdiction	JACKSON FL
Township / Civil Division	ALFORD
Census Block Group	2
Census Block	2011
Census Tract	211100

Owner

Source: Jackson County assessment roll, as of July 1, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	2160 MILL RD, COTTONDALE, FL 32431-7768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TYNDALL FCU
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK
Mar 30, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 23, 2017	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 30, 2021 · Amount on Record
Deed Sale	Mar 30, 2021 · Amount on Record
Prior Sale	Aug 23, 2017 · Amount on Record
Deed Document Number	202132003848
Deed Book / Page	1690 / 448
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	2160 MILL RD, COTTONDALE, FL 32431-7768
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015380117
Date	Jul 10, 2017
Book Page	1538/0117
Instrument	201732007688

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2032

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	2160 MILL RD, COTTONDALE, FL 32431-7768
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016570819
Date	Jul 20, 2020
Book Page	1657/819
Instrument	202032007260

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Mar 30, 2021
Property Address	2160 MILL RD, COTTONDALE, FL 32431-7768
Document Number	0016900448
Book / Page	1690 / 448
Instrument Date	Mar 29, 2021
Instrument	202132003848
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	FLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TR CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2160 MILL RD, COTTONDALE, FL 32431-7768

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2160 MILL RD, COTTONDALE, FL 32431-7768

Mortgage

Document Number	0001690451
Date	Mar 30, 2021
Instrument	1690/451

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Aug 23, 2017
Property Address	2160 MILL RD, COTTONDALE, FL 32431-7768
Document Number	0015420596
Book / Page	001542 / 000596
Instrument Date	Aug 1, 2017
Instrument	32009378
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	TITLE SOURCES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4966 BUTTON LN MARIANNA FL 324487106, MARIANNA, FL 32448-7106

Mortgage

Document Number	15420599
Date	Aug 23, 2017
Book Page	001542/000599
Instrument	32009379

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2047

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	$3,675.00 (-7.03%) Homeowner's exemption	$316,036 (-10.34%) Land $14,697 Building $301,339	$399,119 (+11.47%)
2024	$3,953.00 (+4.03%) Homeowner's exemption	$352,485 (+0.15%)	$358,065 (-0.48%) Land $53,290 Building $304,775
2023	$3,800.00 (+15.64%) Homeowner's exemption	$351,952 (+15.17%)	$359,781 (+17.74%) Land $62,200 Building $297,581
2022	$3,286.00 Homeowner's exemption	$305,584 Land $59,700 Building $245,884	$305,584 Land $59,700 Building $245,884

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	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 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Lumen Technologies DSL	60 / 5

May also be available: Verizon.

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