2341 Cycle Ln, Cottondale, FL 32431 Property Records

Jackson County property record for 2341 Cycle Ln, Cottondale, FL 32431

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,054 sqft · built 1955
Lot Size	2.72 acres (118,483 sqft)
Owner	2 Individual Names on Record
Last Sale	$70,000 (Oct 2003)
Tax Bill	$441 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-4N-11-0000-0010-0000`

Property Details

APN / Parcel Number

Primary APN	`20-4N-11-0000-0010-0000`
Alternative APN	`11 N 420000000100000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,054 sqft Living Area
Gross Area	4,100 sqft
1st Floor Area	3,054 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Bungalow
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	118,483 sqft (2.72 acres)
Garage Type	Carport
Garage Area	418 sqft
Carport	Carport
Carport Area	418 sqft
Porch	Finished/Open Porch
Patio Area	252 sqft
Storage Building	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2341 CYCLE LN
City	COTTONDALE
State	FL
Zip	32431-7503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 10 P 205 OR 155 P 122 OR 574 P 418 OR 611 P 577 OR 653 P 960 OR 808 P 138 OR 935 P 635 BEGIN AT SWC OF NW1/4 OF SE1/4 OF NE1/4 OF SECT, N 668.66 FT TO NWC OF NW1/4 OF SE1/4 OF NE1/4, E 346.83 FT, S 20* W 77.87 FT TO RTWY OF CYCLE LN, N 69* W ALONG
Legal Range	11W
Legal Township	04N
Legal Section	20
Legal Lot Number	10
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	3
Census Block	3068
Census Tract	210400

Owner

Source: Jackson County records, as of September 15, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2341 CYCLE LN, COTTONDALE, FL 32431-7503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Aug 4, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2003 · Amount on Record
Deed Sale	Oct 13, 2003 · Amount on Record
Prior Sale	Sep 3, 2003 · Amount on Record
Deed Document Number	200314955
Deed Book / Page	935 / 634
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Recording Date	Aug 28, 2026
Property Address	2341 CYCLE LN, COTTONDALE, FL 32431-7503
Document Number	0000010509
Book / Page	1939 / 165
Instrument Date	Jul 20, 2026
Instrument	202610509
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2341 CYCLE LN, COTTONDALE, FL 32431-7503

Mortgage

Document Number	0000010509,
Date	Aug 28, 2026
Book Page	1939/165
Instrument	202610509

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2056

Interest

Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Recording Date	Aug 4, 2026
Property Address	2341 CYCLE LN, COTTONDALE, FL 32431-7503
Document Number	0000009265
Book / Page	1935 / 61
Instrument Date	Jul 20, 2026
Instrument	20269265
Transaction Type	Mortgage
Record Updated	Sep 10, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2341 CYCLE LN, COTTONDALE, FL 32431-7503

Mortgage

Document Number	0000009265,
Date	Aug 4, 2026
Book Page	1935/61
Instrument	20269265

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Max Rate	-1%

Tax Assessment & Valuation

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	$441.00 (+2.08%) Homeowner's exemption	$70,190 (+2.9%)	$113,121 (-) Land $16,320 Building $96,801
2024	$432.00 (+4.85%) Homeowner's exemption	$68,212 (+3%)	$113,121 (+4.05%) Land $16,320 Building $96,801
2023	$412.00 (+8.71%) Homeowner's exemption	$66,225 (+3%)	$108,723 (+17.54%) Land $16,320 Building $92,403
2022	$379.00 Homeowner's exemption	$64,296	$92,498 Land $14,960 Building $77,538

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	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 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% 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 11 locations within half a mile, as of December 31, 2025

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

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

Nearby Properties on Cycle Ln

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