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2589 McClain St, Cottondale, FL 32431 Property Records

Jackson County property record for 2589 McClain St, Cottondale, FL 32431 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details1.5 ba · 1,200 sqft · built 1975
Lot Size0.339 acres (14,767 sqft)
Owner2 Individual Names on File
Tax Bill$1,581 (2025)
Deeds & MortgagesSep 2021 Mortgage
Oct 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN36-5N-12-0398-00A0-0050

Property Details

APN / Parcel Number

Primary APN36-5N-12-0398-00A0-0050
Alternative APN
  • 12 N 536039800A00050

Interior

Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,200 sqft Living Area
Gross Area1,320 sqft
1st Floor Area1,200 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1980
Architectural StyleBungalow
Exterior MaterialBrick
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area14,767 sqft (0.339 acres)
Lot Dimensions148 ft deep x 100 ft wide
DrivewayDriveway
PorchFinished/Open Porch
Storage Building96 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address2589 MCCLAIN ST
CityCOTTONDALE
StateFL
Zip32431-3021
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionOR 196 P 995 LOT 5 BLK A M R STOKES SUBD...OR 362 P 251 OR 369 P 906 OR 409 P 858 OR 1587 P 569 OR 1716 P 901
Legal Range12W
Legal Township05N
Legal Section36
Legal SubdivisionSTOKES SUBD
Legal BlockA
Legal Lot Number5
JurisdictionJACKSON FL
Township / Civil DivisionCOTTONDALE
Census Block Group1
Census Block1052
Census Tract210400

Owner

Source: Jackson County records · APN 36-5N-12-0398-00A0-0050

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

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

Owner of Record2 Individual Names on File
Mailing Address500 SHERWOOD DR, DOTHAN, AL 36303
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 28, 2021Intrafamily Transfer, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE
Oct 08, 2018Warranty Deed, Transfer · VA Mortgage
FRONTLINE FINANCIAL LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 28, 2021
Deed SaleSep 28, 2021
Prior SaleOct 08, 2018 · Amount on Record
Deed Document Number202111958
Deed Book / Page1716 / 901
Prior Transfer DateSep 13, 2021
Prior Transfer Doc0017160901
Record UpdatedSep 20, 2026

September 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionJACKSON FL
Recording DateSep 28, 2021
Property Address2589 MCCLAIN ST, COTTONDALE, FL 32431-3021
Document Number0017160901
Book / Page1716 / 901
Instrument DateSep 13, 2021
Instrument202132011958
Transaction TypeTransfer
Record UpdatedOct 11, 2021
Title CompanyPRIORITY NATL TTL SVCS INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2589 MCCLAIN ST, COTTONDALE, FL 32431-3021

Mortgage

Document Number1716903
DateSep 28, 2021
Instrument1716/903
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJACKSON FL
Recording DateOct 08, 2018
Property Address2589 MCCLAIN ST, COTTONDALE, FL 32431-3021
Document Number0015870569
Book / Page1587 / 0569
Instrument DateOct 03, 2018
Instrument201832011236
Transaction TypeTransfer
Record UpdatedJan 24, 2022
Title CompanyFLORIDA LAND TITLE & TRUST C

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2589 MCCLAIN ST, 2589, COTTONDALE, FL 32431-3021

Transferred To (Grantee/Buyer)

NameVerified Name
Address5858 OSCAR RD, GREENWOOD, FL 32443-2460

Mortgage

Document Number201832011237
DateOct 08, 2018
Instrument201832011237
Lender
NameFRONTLINE FINANCIAL LLC
TypeFunding / Finance Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyJackson County
MunicipalityCottondale Town
Unified School DistrictJackson 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,581.00$88,520 (+48.67%) Land $6,000 Building $82,520$88,520 (-1.56%) Land $6,000 Building $82,520
2024Homeowner's exemption Disabled Person's exemption Veteran's exemption$59,541 (+3%)$89,927 (+1.91%) Land $6,000 Building $83,927
2023Homeowner's exemption Disabled Person's exemption Veteran's exemption$57,807$88,238 Land $6,000 Building $82,238

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Nearby Flood Policies3 in force

Wildfire

Wildfire RiskLow
above 37% of the US · above 11% of Florida
Wildfire LikelihoodAbout 1 in 1,754 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
VerizonFixed Wireless300 / 20

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

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