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2386 Phillips Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 2386 Phillips Rd, Cottondale, FL 32431

Property Summary

Property TypeRural Home
Details3 bd · 2 ba · 1,596 sqft · built 1973
Lot Size40 acres (1,742,400 sqft)
OwnerIndividual Name on Record
Last Sale$375,000 (Oct 2025)
Tax Bill$463 (2025)
Deeds & MortgagesOct 2025 Sale & Mortgage
Dec 2020 Transfer
Flood ZoneZone X (minimal risk)
APN19-4N-11-0000-0020-0010

Property Details

APN / Parcel Number

Primary APN19-4N-11-0000-0020-0010

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,596 sqft Heated Area
Gross Area2,412 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1973
Exterior MaterialVinyl
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area1,742,400 sqft (40 acres)
Garage TypeCarport
CarportCarport
DrivewayDriveway
Driveway Area480 sqft

Exterior Amenities

PorchOpen Porch
FenceFence
Shed1 Shed
Pole BarnPole Barn

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address2386 PHILLIPS RD
CityCOTTONDALE
StateFL
Zip32431-7532
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal DescriptionOR 114 P 299 OR 477 P 47 OR 722 P 157 OR 1677 P 170 NW1/4 OF NE1/4 OF SECT 19... OR 1677 P 172 LIFE ESTATE...
Legal Range11W
Legal Township04N
Legal Section19
JurisdictionJACKSON FL
Township / Civil DivisionCOTTONDALE
Census Block Group3
Census Block3073
Census Tract210400

Owner

Source: Jackson County records, as of December 22, 2025

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address2386 PHILLIPS RD, COTTONDALE, FL 32431-7532
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 7, 2025Warranty Deed, Transfer · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Dec 23, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 7, 2025 · Amount on Record
Deed SaleOct 7, 2025 · Amount on Record
Prior SaleDec 23, 2020
Deed Document Number202532011368
Deed Book / Page1894 / 354
Record UpdatedJun 8, 2026

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJACKSON FL
Recording DateOct 7, 2025
Property Address2386 PHILLIPS RD, COTTONDALE, FL 32431-7532
Document Number0018940354
Book / Page1894 / 354
Map ReferenceMB 1677 PG 172
Instrument DateOct 3, 2025
Instrument202532011368
Transaction TypeTransfer
Record UpdatedApr 2, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,625.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address250 COON DR, FRITCH, TX 79036-8984

Transferred To (Grantee/Buyer)

NameVerified Name
Address2386 PHILLIPS RD, COTTONDALE, FL 32431-7532

Mortgage

Document Number0001894371
DateOct 7, 2025
Instrument1894/371
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2055

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionJACKSON FL
Recording DateDec 23, 2020
Property Address2386 PHILLIPS RD, COTTONDALE, FL 32431-7532
Document Number0016770172
Book / Page001677 / 000172
Instrument DateDec 22, 2020
Instrument32013548
Transaction TypeTransfer
Record UpdatedJan 25, 2021
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address300 MILNER RD FRITCH TX 790368183, FRITCH, TX 79036-8183

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyJackson County
Unified School DistrictJackson County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$463.00 (+1.76%) Homeowner's exemption$74,171 (+2.42%) Land $20,395 Building $53,776$149,139 (-1.25%)
2024$455.00 (+4.84%) Homeowner's exemption$72,416 (+2.78%) Land $11,895 Building $60,521$151,024 (+1.68%) Land $8,500 Building $142,524
2023$434.00 (+8.23%) Homeowner's exemption$70,458 (+2.49%)$148,535 (+13.82%) Land $20,200 Building $128,335
2022$401.00 Homeowner's exemption$68,747 Land $11,700 Building $57,047$130,499 Land $8,000 Building $122,499

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims1 (2020)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 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 RiskModerate
above 42% of the US · lower than 86% of Florida
Wildfire Likelihood0.07% annual chance
ExposureDirect
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 10 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
Verizon
Fixed Wireless		25 / 6
T-Mobile
Fixed Wireless		25 / 3

May also be available: AT&T.

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