2585 McClain St, Cottondale, FL 32431 Property Records

Jackson County property record for 2585 McClain St, Cottondale, FL 32431 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,200 sqft · built 1975
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Sep 2017)
Tax Bill	$1,703 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Oct 2017 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`36-5N-12-0398-00A0-0040`

Property Details

APN / Parcel Number

Primary APN	`36-5N-12-0398-00A0-0040`
Alternative APN	`12 N 536039800A00040`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	1,320 sqft
1st Floor Area	1,200 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1989
Architectural Style	Bungalow
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Driveway	Driveway
Porch	Finished/Open Porch
Lean-To	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2585 MCCLAIN ST
City	COTTONDALE
State	FL
Zip	32431-3021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 138 P 662 LOT 4 BLK A M R STOKES SUBD...OR 308 P 651 OR 356 P 523 OR 413 P 02 OR 857 P 158 OR 866 P 51 OR 871 P 564 OR 906 P 253 OR 1367 P 955 OR 1546 P 402
Legal Range	12W
Legal Township	05N
Legal Section	36
Legal Subdivision	STOKES SUBD
Legal Block	A
Legal Lot Number	4
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	1
Census Block	1052
Census Tract	210400

Owner

Source: Jackson County records · APN 36-5N-12-0398-00A0-0040

Assessment roll updated December 8, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	2585 MCCLAIN ST, COTTONDALE, FL 32431-3021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 01, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Oct 20, 2017	Loan Modification, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Sep 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Sep 29, 2017	Warranty Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 29, 2017 · Amount on Record
Deed Sale	Sep 29, 2017 · Amount on Record
Prior Sale	Nov 30, 2012 · Amount on Record
Deed Document Number	201710717
Deed Book / Page	1546 / 402
Record Updated	Jun 08, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	2585 MCCLAIN ST, COTTONDALE, FL 32431-3021
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2585 MCCLAIN ST, COTTONDALE, FL 32431-3021

Mortgage

Document Number	0017500258
Date	Jun 01, 2022
Book Page	1750/258
Instrument	202232006532

Lender

Name	LOANCARE LLC
Type	Non-Lending Institution
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	304 Months
Due	Oct 01, 2047

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JACKSON FL
Property Address	2585 MCCLAIN ST, COTTONDALE, FL 32431-3021
Document Number	0015510562
Instrument Date	Oct 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2585 MCCLAIN ST COTTONDALE FL 324313021, COTTONDALE, FL 32431-3021

Mortgage

Document Number	0015510562
Date	Nov 17, 2017
Book Page	001551/000562
Instrument	32012519

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	MARIANNA, FL 32448

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	2585 MCCLAIN ST, COTTONDALE, FL 32431-3021
Document Number	0015460417
Instrument Date	Sep 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2585 MCCLAIN ST COTTONDALE FL 324313021, COTTONDALE, FL 32431-3021

Mortgage

Document Number	0015460417
Date	Sep 29, 2017
Book Page	001546/000417
Instrument	32010719

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	MARIANNA, FL 32448

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	18%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Sep 29, 2017
Property Address	2585 MCCLAIN ST, COTTONDALE, FL 32431-3021
Document Number	0015460402
Book / Page	1546 / 0402
Instrument Date	Sep 27, 2017
Instrument	201732010717
Transaction Type	Transfer
Record Updated	Jan 24, 2022
Title Company	FLORIDA LAND TITLE & TR CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1861 HIGHWAY 177, 1861, BONIFAY, FL 32425-6968

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2967 DOGWOOD ST, MARIANNA, FL 32446-3217

Mortgage

Document Number	0015460404
Date	Sep 29, 2017
Instrument	1546/0404

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2047

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Jackson County
Municipality	Cottondale Town
Unified School District	Jackson County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,703.00 (+5.97%)	$98,552 (-1.38%) Land $6,000 Building $92,552	$98,552 (-1.38%) Land $6,000 Building $92,552
2024	$1,607.00 (+9.02%)	$99,928 (+2.15%) Land $6,000 Building $93,928	$99,928 (+2.15%) Land $6,000 Building $93,928
2023	$1,474.00 (+20.13%)	$97,824 (+21.43%) Land $6,000 Building $91,824	$97,824 (+21.43%) Land $6,000 Building $91,824
2022	$1,227.00	$80,558 Land $6,000 Building $74,558	$80,558 Land $6,000 Building $74,558

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Jackson County (12063C), updated January 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120632104001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low above 37% of the US · above 11% of Florida
Wildfire Likelihood	About 1 in 1,695 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 119 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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