2738 Calla Ln, Cottondale, FL 32431 Property Records

Jackson County property record for 2738 Calla Ln, Cottondale, FL 32431

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 2010
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$189,000 (Jan 2023)
Tax Bill	$1,779 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Oct 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`31-5N-11-0532-0000-0160`

Property Details

APN / Parcel Number

Primary APN	`31-5N-11-0532-0000-0160`
Alternative APN	`11 N 531053200000160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,320 sqft Living Area
Gross Area	1,504 sqft
1st Floor Area	1,320 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2012
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,227 sqft (0.12 acres)
Driveway	Concrete Driveway
Driveway Area	512 sqft
Porch	Slab
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2738 CALLA LN
City	COTTONDALE
State	FL
Zip	32431-7347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 1250 P 111 LOT 16 WILLOW PLACE SUBDV...OR 1464 P 447 OR 1776 P 869
Legal Range	11W
Legal Township	05N
Legal Section	31
Legal Subdivision	PLACE SUBD
Legal Block	160
Legal Lot Number	16
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	3
Census Block	3018
Census Tract	210400

Owner

Source: Jackson County records, as of August 12, 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 Record
Mailing Address	2738 CALLA LN, 32431, COTTONDALE, FL 32431-7347
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 10, 2019	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2023 · Amount on Record
Deed Sale	Jan 13, 2023 · Amount on Record
Prior Sale	Jul 9, 2015 · Amount on Record
Deed Document Number	2023401
Deed Book / Page	1776 / 869
Record Updated	Sep 20, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Jan 13, 2023
Property Address	2738 CALLA LN, COTTONDALE, FL 32431-7347
Document Number	0017760869
Book / Page	1776 / 869
Map Reference	CAB S PG 381
Instrument Date	Jan 13, 2023
Instrument	202332000401
Transaction Type	Transfer
Record Updated	Feb 9, 2023
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,323.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2738 CALLA LN, COTTONDALE, FL 32431-7347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2738 CALLA LN, COTTONDALE, FL 32431-7347

Mortgage

Document Number	202332000402
Date	Jan 13, 2023
Instrument	202332000402

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JACKSON FL
Property Address	2738 CALLA LN, COTTONDALE, FL 32431-7347
Document Number	0016290758
Instrument Date	Oct 10, 2019
Transaction Type	Mortgage
Record Updated	Dec 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2738 CALLA LN COTTONDALE FL 324317347, COTTONDALE, FL 32431-7347

Mortgage

Document Number	0016290758
Date	Nov 7, 2019
Book Page	001629/000758
Instrument	32013045

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2049

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of December 8, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,779.00 (-2.25%) Homeowner's exemption	$142,606 (-1.08%) Land $3,500 Building $139,106	$142,606 (-1.08%) Land $3,500 Building $139,106
2024	$1,820.00 (+220.99%) Homeowner's exemption	$144,167 (+93.66%) Land $3,500 Building $140,667	$144,167 (+3.32%) Land $3,500 Building $140,667
2023	$567.00 (+7.79%) Homeowner's exemption	$74,445 (+3%)	$139,535 (+32.7%) Land $3,500 Building $136,035
2022	$526.00 Homeowner's exemption	$72,277	$105,153 Land $1,200 Building $103,953

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
CenturyLink DSL	60 / 5

May also be available: Xfinity.

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