Jackson County property record for 2735 Chipley St, Cottondale, FL 32431
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,568 sqft · built 2019 |
| Lot Size | 1.61 acres (70,132 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $199,000 (Jul 2026) |
| Tax Bill | $1,431 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Apr 2021 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-5N-11-0000-0170-0042 |
| Primary APN | 31-5N-11-0000-0170-0042 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,568 sqft Living Area |
| 1st Floor Area | 1,568 sqft |
| Flooring | Vinyl/Resilient |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 70,132 sqft (1.61 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2735 CHIPLEY ST |
|---|---|
| City | COTTONDALE |
| State | FL |
| Zip | 32431-3122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEGIN AT NWC OF OF PROPERTY DESCRIBED IN OR 212 P 430, CONT S 82* W ALONG S RTWY OF CHIPLEY ST 179.30 FT, RUN S 8* E 32.71 FT, S 85* W 54.25 FT, S 264.04 FT, N 83* E 261.99 FT N 5* W 146.99 FT, N 4* W 150.06 FT TO POB... OR 815 P 232 OR 1425 P 169 OR |
| Legal Block | 42 |
| Legal Lot Number | 170 |
| Jurisdiction | JACKSON FL |
| Township / Civil Division | COTTONDALE |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 210400 |
Source: Jackson County records, as of August 13, 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 | 2735 CHIPLEY ST, COTTONDALE, FL 32431-3122 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jul 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Apr 9, 2021 | Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Apr 9, 2021 | Correction Deed MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| May 8, 2019 | Loan Modification, Mortgage · FHA Mortgage VANDERBILT MTG & FIN |
| Jan 9, 2019 | Deed of Trust, Mortgage VANDERBILT MTG & FIN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2026 · Amount on Record |
| Deed Sale | Jul 1, 2026 · Amount on Record |
| Prior Sale | Apr 9, 2021 · Amount on Record |
| Deed Document Number | 20267806 |
| Deed Book / Page | 1930 / 176 |
| Prior Transfer Date | Mar 25, 2021 |
| Prior Transfer Doc | 0016920112 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON FL |
| Recording Date | Jul 1, 2026 |
| Property Address | 2735 CHIPLEY ST, COTTONDALE, FL 32431-3122 |
| Document Number | 0000007806 |
| Book / Page | 1930 / 176 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 20267806 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2026 |
| Title Company | ANCHOR TITLE GROUP, ANCHOR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140,693.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2735 CHIPLEY ST, COTTONDALE, FL 32431-3122 |
| Document Number | 0000007807, |
|---|---|
| Date | Jul 1, 2026 |
| Instrument | 20267807 |
| Name | CMG MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON FL |
| Recording Date | Apr 9, 2021 |
| Property Address | 2735 CHIPLEY ST, COTTONDALE, FL 32431-3122 |
| Document Number | 0016920114 |
| Book / Page | 1692 / 114 |
| Instrument Date | Apr 5, 2021 |
| Instrument | 202132004417 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2022 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $979.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1277 SOUTH BLVD, 1277, CHIPLEY, FL 32428-1848 |
| Name | Verified Name |
|---|---|
| Address | 2735 CHIPLEY ST, COTTONDALE, FL 32431-3122 |
| Document Number | 0001692117 |
|---|---|
| Date | Apr 9, 2021 |
| Instrument | 1692/117 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | JACKSON FL |
| Recording Date | Apr 9, 2021 |
| Property Address | 2735 CHIPLEY ST, COTTONDALE, FL 32431-3122 |
| Document Number | 0016920112 |
| Book / Page | 1692 / 112 |
| Instrument Date | Mar 25, 2021 |
| Instrument | 202132004416 |
| Record Updated | May 9, 2022 |
| Title Company | MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1296 FORREST AVE, CHIPLEY, FL 32428-1828 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | JACKSON FL |
| Property Address | 2735 CHIPLEY ST, COTTONDALE, FL 32431-3122 |
| Document Number | 0016100941 |
| Instrument Date | May 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2735 CHIPLEY ST COTTONDALE FL 324313122, COTTONDALE, FL 32431-3122 |
| Document Number | 0016100941 |
|---|---|
| Date | May 22, 2019 |
| Book Page | 001610/000941 |
| Instrument | 32006526 |
| Name | VANDERBILT MTG & FIN |
|---|---|
| Type | Mortgage Company |
| Address | MARYVILLE, TN 37804 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 21, 2049 |
| Rate | 5.25% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON FL |
| Property Address | 2735 CHIPLEY ST, COTTONDALE, FL 32431-3122 |
| Document Number | 0015950641 |
| Instrument Date | Jan 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2019 |
| Name | Verified Name |
|---|---|
| Address | 2735 CHIPLEY ST COTTONDALE FL 324313122, COTTONDALE, FL 32431-3122 |
| Document Number | 0015950641 |
|---|---|
| Date | Jan 16, 2019 |
| Book Page | 001595/000641 |
| Instrument | 32000772 |
| Name | VANDERBILT MTG & FIN |
|---|---|
| Type | Mortgage Company |
| Address | MARYVILLE, TN 37804 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 15, 2049 |
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 | $1,431.00 (+3.62%) Homeowner's exemption | $123,146 (+2.9%) | $150,346 (-1.89%) Land $13,685 Building $136,661 |
| 2024 | $1,381.00 (+6.56%) Homeowner's exemption | $119,675 (+3%) | $153,243 (+8.98%) Land $13,685 Building $139,558 |
| 2023 | $1,296.00 (+10.77%) Homeowner's exemption | $116,189 (+3%) | $140,613 (+24.65%) Land $13,685 Building $126,928 |
| 2022 | $1,170.00 Homeowner's exemption | $112,805 Land $12,880 Building $99,925 | $112,805 Land $12,880 Building $99,925 |
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 100 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 51% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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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