Jackson County property record for 2281 Seay Rd, Cottondale, FL 32431
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,135 sqft · built 2000 |
| Lot Size | 6.34 acres (276,170 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $420,000 (Dec 2025) |
| Tax Bill | $2,480 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Dec 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-4N-12-0000-0060-0000 |
| Primary APN | 23-4N-12-0000-0060-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,135 sqft Heated Area |
| Gross Area | 3,223 sqft |
| Flooring | Plywood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Precast Concrete Panel |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 276,170 sqft (6.34 acres) |
| Pool Area | 392 sqft |
|---|---|
| Fence | Fence |
| Shed | 1 Shed |
| Lean-To | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2281 SEAY RD |
|---|---|
| City | COTTONDALE |
| State | FL |
| Zip | 32431-7429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OR 1673 P 60 COMM AT NEC OF NW1/4 OF SW1/4 OF SECT 23, RUN S 627 FT, W 441 FT, N 627 FT, E 441 FT TO POB... EASEMENTS AND ING |
| Legal Range | 12W |
| Legal Township | 04N |
| Legal Section | 23 |
| Jurisdiction | JACKSON FL |
| Township / Civil Division | COTTONDALE |
| Census Block Group | 3 |
| Census Block | 3060 |
| Census Tract | 210400 |
Source: Jackson County records, as of January 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 211 HIGH RIDGE VALLEY CT, FOLEY, MO 63347-2879 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 17, 2023 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Dec 19, 2025 | Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK |
| Jun 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MAGNOLIA BANK |
| Dec 22, 2020 | Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Mar 4, 2019 | Warranty Deed, Transfer · VA Mortgage FIRST FED'L SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 2025 · Amount on Record |
| Deed Sale | Dec 19, 2025 · Amount on Record |
| Prior Sale | Dec 22, 2020 · Amount on Record |
| Deed Document Number | 202532014201 |
| Deed Book / Page | 1903 / 716 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON FL |
| Property Address | 2281 SEAY RD, COTTONDALE, FL 32431-7429 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2281 SEAY RD, COTTONDALE, FL 32431-7429 |
| Document Number | 0017760927 |
|---|---|
| Date | Jan 17, 2023 |
| Book Page | 1776/927 |
| Instrument | 202332000424 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | TEMPE, AZ 85284 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON FL |
| Recording Date | Dec 19, 2025 |
| Property Address | 2281 SEAY RD, COTTONDALE, FL 32431-7429 |
| Document Number | 0019030716 |
| Book / Page | 1903 / 716 |
| Instrument Date | Dec 18, 2025 |
| Instrument | 202532014201 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | PANHANDLE LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,940.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2281 SEAY RD, COTTONDALE, FL 32431-7429 |
| Name | Verified Name |
|---|---|
| Address | 211 HIGH RIDGE VALLEY CT, FOLEY, MO 63347-2879 |
| Document Number | 0001903718 |
|---|---|
| Date | Dec 19, 2025 |
| Instrument | 1903/718 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON FL |
| Property Address | 2281 SEAY RD, COTTONDALE, FL 32431-7429 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0015360285 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 1536/0285 |
| Instrument | 201732006959 |
| Name | MAGNOLIA BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELLSVILLE, KY 42718 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON FL |
| Recording Date | Dec 22, 2020 |
| Property Address | 2281 SEAY RD, COTTONDALE, FL 32431-7429 |
| Document Number | 0016760991 |
| Book / Page | 1676 / 991 |
| Instrument Date | Dec 14, 2020 |
| Instrument | 202032013505 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2022 |
| Title Company | OWEN TITLE COMPANY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,959.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 396, COTTONDALE, FL 32431-0396 |
| Name | Verified Name |
|---|---|
| Address | 2281 SEAY RD, COTTONDALE, FL 32431-7429 |
| Document Number | 0000016771 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 1677/1 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON FL |
| Recording Date | Mar 4, 2019 |
| Property Address | 2281 SEAY RD, COTTONDALE, FL 32431-7429 |
| Document Number | 0016010047 |
| Book / Page | 001601 / 000047 |
| Instrument Date | Mar 1, 2019 |
| Instrument | 32002946 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2019 |
| Title Company | FLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TRUST CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $994.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 440 CUTCHINS MILL RD CHIPLEY FL 324284396, CHIPLEY, FL 32428-4396 |
| Document Number | 16010050 |
|---|---|
| Date | Mar 4, 2019 |
| Book Page | 001601/000050 |
| Instrument | 32002947 |
| Name | FIRST FED'L SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | LAKE CITY, FL 32055 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 3, 2049 |
Source: Jackson County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Jackson County |
| Unified School District | Jackson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,480.00 (+2.99%) Homeowner's exemption | $226,435 (+2.9%) | $305,038 (-0.92%) Land $31,700 Building $273,338 |
| 2024 | $2,408.00 (+5.66%) Homeowner's exemption | $220,053 (+3%) | $307,859 (+2.27%) Land $31,700 Building $276,159 |
| 2023 | $2,279.00 (+10.04%) Homeowner's exemption | $213,644 (+3%) | $301,021 (+23.22%) Land $31,700 Building $269,321 |
| 2022 | $2,071.00 Homeowner's exemption | $207,421 | $244,293 Land $23,100 Building $221,193 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 82% 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.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
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