Jackson County property record for 2704 Front St, Cottondale, FL 32431
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,008 sqft · built 1987 |
| Lot Size | 0.429 acres (18,687 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $99,900 (Mar 2022) |
| Tax Bill | $730 (2025) |
| Deeds & Mortgages | Mar 2022 Sale Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-5N-11-0000-0170-0091 |
| Primary APN | 31-5N-11-0000-0170-0091 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| Gross Area | 1,200 sqft |
| 1st Floor Area | 1,008 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 18,687 sqft (0.429 acres) |
| Garage Type | Carport |
| Garage Area | 480 sqft |
| Carport | Carport |
| Carport Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 192 sqft |
| Lean-To | 240 sqft |
| Storage Building | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2704 FRONT ST |
|---|---|
| City | COTTONDALE |
| State | FL |
| Zip | 32431-3112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COMM NEC OF SECT 31, W 2653.52 FT, S 1344.24 FT, S 88* E 40 FT, MARKING THE POB OF A PRCL DESC IN OR 1353 P 729 WHICH IS THE POB OF THE LAND DESC HERE IN; N 169.71 FT, N 5* W 5 FT, S 9* W 19.28 FT, S 10* E 15 FT S 137.89 FT, S 85* W 102.36 FT ALNG TH |
| Legal Range | 11W |
| Legal Township | 05N |
| Legal Section | 31 |
| Legal Block | 91 |
| Legal Lot Number | 170 |
| Jurisdiction | JACKSON FL |
| Township / Civil Division | COTTONDALE |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 210400 |
Source: Jackson County records, as of October 12, 2026
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 | 2704 FRONT ST, COTTONDALE, FL 32431-3112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 18, 2022 | Warranty Deed, Transfer NORTHWEST TITLE GROUP LLC |
| Mar 18, 2022 | Warranty Deed, Transfer · FHA Mortgage FIRST FEDERAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2022 · Amount on Record |
| Deed Sale | Mar 18, 2022 · Amount on Record |
| Prior Sale | Aug 22, 2013 · Amount on Record |
| Deed Document Number | 20223322 |
| Deed Book / Page | 1740 / 525 |
| Prior Transfer Date | Aug 21, 2013 |
| Prior Transfer Doc | 0013960607 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON FL |
| Recording Date | Mar 18, 2022 |
| Property Address | 2704 FRONT ST, COTTONDALE, FL 32431-3112 |
| Document Number | 0017400521 |
| Book / Page | 1740 / 521 |
| Instrument Date | Mar 18, 2022 |
| Instrument | 202232003320 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2022 |
| Title Company | NORTHWEST TITLE GROUP LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1418 RUDD RD, 1418, COTTONDALE, FL 32431-9102 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 84, COTTONDALE, FL 32431-0084 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON FL |
| Recording Date | Mar 18, 2022 |
| Property Address | 2704 FRONT ST, COTTONDALE, FL 32431-3112 |
| Document Number | 0017400525 |
| Book / Page | 1740 / 525 |
| Instrument Date | Mar 18, 2022 |
| Instrument | 202232003322 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2022 |
| Title Company | NORTHWEST TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $699.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1418 RUDD RD, 1418, COTTONDALE, FL 32431-9102 |
| Name | Verified Name |
|---|---|
| Address | 4195 BOWERS ST, MARIANNA, FL 32448-3730 |
| Document Number | 0001740527 |
|---|---|
| Date | Mar 18, 2022 |
| Instrument | 1740/527 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
Source: Jackson County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Jackson County |
| Municipality | Cottondale Town |
| Unified School District | Jackson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $730.00 (-3.95%) Homeowner's exemption | $83,877 (-1.26%) Land $3,646 Building $80,231 | $83,877 (-1.26%) Land $3,646 Building $80,231 |
| 2024 | $760.00 (-46.96%) Homeowner's exemption | $84,950 (+4.5%) Land $3,646 Building $81,304 | $84,950 (+4.5%) Land $3,646 Building $81,304 |
| 2023 | $1,433.00 (+62.47%) | $81,289 (+22.47%) Land $3,646 Building $77,643 | $81,289 (+22.47%) Land $3,646 Building $77,643 |
| 2022 | $882.00 | $66,377 Land $3,432 Building $62,945 | $66,377 Land $3,432 Building $62,945 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COTTONDALE WATER SYSTEM serves 861 people · EPA ID FL1320143 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 124 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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