2194 Piney Grove Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 2194 Piney Grove Rd, Cottondale, FL 32431

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,596 sqft · built 1997
Lot Size	1.48 acres (64,469 sqft)
Owner	2 Individual Names on File
Last Sale	$34,200 (Apr 2001)
Tax Bill	$980 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-4N-12-0000-0060-0010`

Property Details

APN / Parcel Number

Primary APN	`10-4N-12-0000-0060-0010`
Alternative APN	`12 N 410000000600010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,596 sqft Living Area
1st Floor Area	1,596 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bungalow
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	64,469 sqft (1.48 acres)
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2194 PINEY GROVE RD
City	COTTONDALE
State	FL
Zip	32431-7212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 641 P 994 COMM AT SEC, RUN N 2671.64 FT, W 35.12 FT TO INTERS OF W RTWY OF COUNTY RD #195 WITH THE N/LY RTWY OF PINEY GROVE RD TO BEGIN, RUN N ALONG W RTWY 210 FT, S 69* W 330 FT, S 210 FT TO N/LY RTWY OF PINEY GROVE RD, N 69* E ALONG N/LY RTWY 33
Legal Range	12W
Legal Township	04N
Legal Section	10
Legal Block	10
Legal Lot Number	60
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	3
Census Block	3030
Census Tract	210400

Owner

2194 Piney Grove Rd is owned and occupied by two individuals who bought it in April 2001.

Source: Jackson County records, as of June 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2194 PINEY GROVE RD, COTTONDALE, FL 32431-7212
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Oct 4, 2018	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2001 · Amount on File
Deed Sale	Apr 25, 2001 · Amount on File
Deed Document Number	20015619
Deed Book / Page	814 / 436
Prior Transfer Date	Apr 5, 2001
Prior Transfer Doc	0008140436
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Recording Date	May 6, 2026
Property Address	2194 PINEY GROVE RD, COTTONDALE, FL 32431-7212
Document Number	0000005116
Book / Page	1921 / 757
Instrument Date	May 1, 2026
Instrument	20265116
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2194 PINEY GROVE RD, COTTONDALE, FL 32431-7212
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005116,
Date	May 6, 2026
Book Page	1921/757
Instrument	20265116

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.46%
Max Rate	-1%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	2194 PINEY GROVE RD, COTTONDALE, FL 32431-7212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015870394
Date	Oct 4, 2018
Book Page	1587/0394
Instrument	201832011180

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	178 Months
Due	Aug 24, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 2194 Piney Grove Rd was $980 with a homeowner's exemption, up 3.6% from the year before.

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	$980.00 (+3.59%) Homeowner's exemption	$113,900 (+2.9%)	$156,196 (-1.23%) Land $12,580 Building $143,616
2024	$946.00 (+7.01%) Homeowner's exemption	$110,690 (+3%)	$158,136 (+3.05%) Land $12,580 Building $145,556
2023	$884.00 (+11.19%) Homeowner's exemption	$107,466 (+3%)	$153,456 (+21.58%) Land $12,580 Building $140,876
2022	$795.00 Homeowner's exemption	$104,336	$126,214 Land $11,840 Building $114,374

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

Flood

FEMA maps place 2194 Piney Grove Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 2194 Piney Grove Rd is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, T-Mobile.

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