1. Home
  2. Florida
  3. Cottondale
  4. Mill Rd

2186 Mill Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 2186 Mill Rd, Cottondale, FL 32431 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,016 sqft · built 1991
Lot Size3.05 acres (132,858 sqft)
OwnerIndividual Name on File
Last Sale$179,954 (May 2025)
Tax Bill$2,550 (2025)
Deeds & MortgagesMar 2024 Foreclosure
Oct 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN29-4N-11-0000-0020-0040

Property Details

APN / Parcel Number

Primary APN29-4N-11-0000-0020-0040
Alternative APN
  • 11 N 429000000200040

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms4 Rooms
Stories1 Story
Building Area2,016 sqft Living Area
Gross Area2,478 sqft
1st Floor Area2,016 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Architectural StyleBungalow
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialOther
Lot Area132,858 sqft (3.05 acres)
DrivewayDriveway
PorchUnfinished Open Porch
Deck Area264 sqft
Pole BarnPole Barn

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
SewerSeptic
Water SourceCistern

Location & Zoning

Street Address2186 MILL RD
CityCOTTONDALE
StateFL
Zip32431-7768
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionOR 240 P 768 OR 295 P 757 COMM AT NEC OF NW1/4 OF NE1/4, RUN S 317 FT TO BEGIN, RUN S 260 FT, W 530 FT TO E SIDE ROAD, NE/LY ALONG ROAD 269.2 FT, E 467 FT TO POB, LESS .08A PER OR 370 P 740...OR 380 P 132 OR 437 P 520 OR 537 P 313 OR 698 P 924 OR 182
Legal Range11W
Legal Township04N
Legal Section29
Legal Block40
Legal Lot Number20
JurisdictionJACKSON FL
Township / Civil DivisionALFORD
Census Block Group2
Census Block2011
Census Tract211100

Owner

Source: Jackson County records · APN 29-4N-11-0000-0020-0040

Assessment roll updated December 8, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address2619 E AURORA RD, TWINSBURG, OH 44087-2149
Owner TypeIndividual
VestingMarried

Deeds, Mortgages & Sale History

DateDocument
Mar 06, 2024Trustee's Deed, Foreclosure
Oct 26, 2021Deed of Trust, Mortgage · VA Mortgage
NEW DAY FINANCIAL LLC
Mar 14, 2019Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 12, 2025 · Amount on Record
Deed SaleMay 12, 2025 · Amount on Record
Prior SaleMar 06, 2024 · Amount on Record
Deed Document Number20255318
Deed Book / Page1875 / 1
Prior Transfer DateMay 02, 2024
Prior Transfer Doc0018300503
Record UpdatedSep 20, 2026

March 2024: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionJACKSON FL
Recording DateMar 06, 2024
Property Address2186 MILL RD, COTTONDALE, FL 32431-7768
Document Number0018230706
Book / Page1823 / 706
Instrument DateMar 05, 2024
Instrument202432002286
Transaction TypeForeclosure
Record UpdatedMay 06, 2024

Transaction

AmountAmount Recorded
Tax$1,261.40
Amount AccuracyRounded by County
Additional
  • Lis Pendens

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON FL
Property Address2186 MILL RD, COTTONDALE, FL 32431-7768
Transaction TypeMortgage
Record UpdatedNov 09, 2021
Title CompanyWFG LENDER SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address2186 MILL RD, COTTONDALE, FL 32431-7768

Mortgage

Document Number0017210096
DateOct 26, 2021
Book Page1721/96
Instrument202132013246
Lender
NameNEW DAY FINANCIAL LLC
TypeMortgage Company
AddressFULTON, MD 20759
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJACKSON FL
Recording DateMar 14, 2019
Property Address2186 MILL RD, COTTONDALE, FL 32431-7768
Document Number0016020522
Book / Page001602 / 000522
Instrument DateMar 11, 2019
Instrument32003441
Transaction TypeTransfer
Record UpdatedApr 19, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2186 MILL RD COTTONDALE FL 324317768, COTTONDALE, FL 32431-7768

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated December 8, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyJackson County
Unified School DistrictJackson 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,550.00 (+14.5%)$191,304 (-1.31%) Land $18,300 Building $173,004$191,304 (-1.31%) Land $18,300 Building $173,004
2024$2,227.00 (+11.07%)$193,842 (+5.69%) Land $18,300 Building $175,542$193,842 (+5.69%) Land $18,300 Building $175,542
2023$2,005.00 (+101.51%) Homeowner's exemption$183,406 (+52.15%) Land $18,300 Building $165,106$183,406 (+21.18%) Land $18,300 Building $165,106
2022$995.00 Homeowner's exemption$120,545$151,346 Land $16,775 Building $134,571

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 120632111002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims1 (2018)
Claims Outside the SFHA1 of 1
Most Recent ClaimOct 2018, river or lake flooding, Hurricane Michael

Wildfire

Wildfire RiskModerate
above 55% of the US · above 26% of Florida
Wildfire LikelihoodAbout 1 in 909 per year
ExposureDirect
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 38 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesDSL60 / 5
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Mill Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures