2399 Standland Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 2399 Standland Rd, Cottondale, FL 32431

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,352 sqft · built 1983
Lot Size	12.4 acres (543,629 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,219 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-4N-11-0000-0040-0010`

Property Details

APN / Parcel Number

Primary APN	`20-4N-11-0000-0040-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,352 sqft Heated Area
Gross Area	2,815 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Clay Tile
Lot Area	543,629 sqft (12.4 acres)
Porch	Open Porch
Patio Area	96 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2399 STANDLAND RD
City	COTTONDALE
State	FL
Zip	32431-7539
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	OR 155 P 656 BEGIN AT NWC OF NW1/4 OF NW1/4, RUN S 515 FT, E 1122 FT TO RD, N/LY ALONG RD 515 FT, W 990 FT TO POB...OR 186 P
Legal Range	11W
Legal Township	04N
Legal Section	20
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	3
Census Block	3073
Census Tract	210400

Owner

2399 Standland Rd, a rural home, is owned and occupied by two individuals who acquired it in August 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	2399 STANDLAND RD # A, A, COTTONDALE, FL 32431-7539
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
Nov 12, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jan 4, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 1998
Deed Sale	Aug 7, 1998
Deed Document Number	0000700350
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	2399 STANDLAND RD, COTTONDALE, FL 32431-7539
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2399 STANDLAND RD, COTTONDALE, FL 32431-7539

Mortgage

Document Number	0017230603
Date	Nov 12, 2021
Book Page	1723/603
Instrument	202132013980

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	2399 STANDLAND RD, COTTONDALE, FL 32431-7539
Document Number	0016360661
Instrument Date	Jan 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2399 STANDLAND RD #A COTTONDALE FL 324317539, A, COTTONDALE, FL 32431-7539

Mortgage

Document Number	0016360661
Date	Jan 9, 2020
Book Page	001636/000661
Instrument	32000323

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 8, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2399 Standland Rd was $1,219 with a homeowner's exemption, up 3.5% from the year before.

Source: Jackson County assessment roll, as of July 1, 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	$1,219.00 (+3.48%) Homeowner's exemption	$131,833 (+2.92%) Land $9,675 Building $122,158	$196,143 (-1.43%)
2024	$1,178.00 (+6.41%) Homeowner's exemption	$128,089 (+2.95%) Land $2,085 Building $126,004	$198,984 (+2.6%) Land $7,500 Building $191,484
2023	$1,107.00 (+10.7%) Homeowner's exemption	$124,419 (+2.92%)	$193,941 (+19.49%) Land $9,585 Building $184,356
2022	$1,000.00 Homeowner's exemption	$120,893 Land $2,122 Building $118,771	$162,305 Land $7,500 Building $154,805

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

Flood

FEMA maps place 2399 Standland Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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

Wildfire risk around 2399 Standland Rd is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.09% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
CenturyLink DSL	10 / 1

May also be available: T-Mobile.

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