Jackson County property record for 2348 Topaz Rd, Cottondale, FL 32431
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,152 sqft · built 2019 |
| Lot Size | 0.89 acres (38,768 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $120 (2025) |
| Deeds & Mortgages | Feb 2019 Mortgage Apr 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-4N-11-0000-0050-0050 |
| Primary APN | 23-4N-11-0000-0050-0050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,152 sqft Living Area |
| Gross Area | 2,200 sqft |
| 1st Floor Area | 2,152 sqft |
| Flooring | Vinyl/Resilient |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 38,768 sqft (0.89 acres) |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Cistern |
| Street Address | 2348 TOPAZ RD |
|---|---|
| City | COTTONDALE |
| State | FL |
| Zip | 32431-7794 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OR 654 P 56 BEGIN AT NWC OF SW1/4 OF NW1/4, RUN E 293.33 FT, S 132 FT, W 293.33 FT, N 132 FT TO POB...OR 991 P 894 SUBJECT TO ROAD RTWY OF TOPAZ RD....OR 1177 P 294... |
| Legal Block | 50 |
| Legal Lot Number | 50 |
| Jurisdiction | JACKSON FL |
| Township / Civil Division | ALFORD |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 211100 |
Source: Jackson County records, as of December 8, 2025
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 | 2348 TOPAZ RD, COTTONDALE, FL 32431-7794 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 20, 2019 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Apr 4, 2019 | Loan Modification, Mortgage US SMALL BUSINESS ADMINISTRATI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 11, 2004 |
| Transfer Doc | 0009910894 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON FL |
| Property Address | 2348 TOPAZ RD, COTTONDALE, FL 32431-7794 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0015990478 |
|---|---|
| Date | Feb 20, 2019 |
| Book Page | 1599/0478 |
| Instrument | 201932002269 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Dec 12, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | JACKSON FL |
| Property Address | 2348 TOPAZ RD, COTTONDALE, FL 32431-7794 |
| Document Number | 0016050559 |
| Instrument Date | Apr 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 348 TOPAZ RD COTTONDALE FL 32431, COTTONDALE, FL 32431 |
| Document Number | 0016050559 |
|---|---|
| Date | Apr 5, 2019 |
| Book Page | 001605/000559 |
| Instrument | 32004547 |
| Name | US SMALL BUSINESS ADMINISTRATI |
|---|---|
| Address | BIRMINGHAM, AL 35203 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 4, 2049 |
Source: Jackson County assessment roll, as of December 8, 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 | $120.00 (+12.15%) Homeowner's exemption | $34,012 (+2.9%) | $197,399 (-1.95%) Land $7,565 Building $189,834 |
| 2024 | $107.00 (+15.05%) Homeowner's exemption | $33,053 (+3%) | $201,333 (+8.94%) Land $7,565 Building $193,768 |
| 2023 | $93.00 (+22.37%) Homeowner's exemption | $32,090 (+3%) | $184,810 (+26.39%) Land $7,565 Building $177,245 |
| 2022 | $76.00 Homeowner's exemption | $31,155 | $146,226 Land $7,120 Building $139,106 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% 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.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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