2740 McClain St, Cottondale, FL 32431 Property Records

Jackson County property record for 2740 McClain St, Cottondale, FL 32431

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 696 sqft · built 1973
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$55,500 (May 2022)
Tax Bill	$26 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-5N-11-0000-0170-0070`

Property Details

APN / Parcel Number

Primary APN	`31-5N-11-0000-0170-0070`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	696 sqft Heated Area
Gross Area	948 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1973
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Tin
Lot Area	14,810 sqft (0.339 acres)
Garage Type	Carport
Carport	Carport
Porch	Open Porch
Storage Building	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2740 MCCLAIN ST
City	COTTONDALE
State	FL
Zip	32431-3139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 128 P 594 COMM AT NEC OF NW1/4 OF NE1/4, RUN S 4* E 196.15 FT, S 82* W 330.69 FT, S 4* E 150 FT TO BEGIN, RUN S 4* E 147 F
Legal Range	11W
Legal Township	05N
Legal Section	31
Legal Lot Number	100
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	2
Census Block	2030
Census Tract	210400

Owner

Source: Jackson County records, as of December 22, 2025

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	2740 MCCLAIN ST, COTTONDALE, FL 32431-3139
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2022 · Amount on Record
Deed Sale	May 16, 2022 · Amount on Record
Prior Sale	May 16, 2022 · Amount on Record
Deed Document Number	0017470972
Deed Book / Page	1747 / 972
Last Transfer Date	Nov 4, 2022
Transfer Doc	0017690833
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	May 16, 2022
Property Address	2740 MCCLAIN ST, COTTONDALE, FL 32431-3139
Document Number	0017470972
Book / Page	1747 / 972
Instrument Date	May 12, 2022
Instrument	202232005796
Transaction Type	Transfer
Record Updated	Jun 17, 2022
Title Company	CALHOUN-LIBERTY ABSTRACT COMPANY, CALHOUN LIBERTY ABSTRACT CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$388.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 38, ALFORD, FL 32420-0038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4261 WINTERGREEN RD, GREENWOOD, FL 32443-1981

Mortgage

Document Number	0001747974
Date	May 16, 2022
Instrument	1747/974

Lender

Name	ENVISION CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2042

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of July 1, 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	$26.00 (-83.23%) Homeowner's exemption	$26,458 (-21.47%) Land $2,890 Building $23,568	$26,458 (-22.48%) Land $2,890 Building $23,568
2024	$155.00 (+13.97%) Homeowner's exemption	$33,692 (+3%)	$34,132 (+4.34%) Land $2,890 Building $31,242
2023	$136.00 (-59.52%)	$32,711 (+49.83%) Land $2,890 Building $29,821	$32,711 (+49.83%) Land $2,890 Building $29,821
2022	$336.00	$21,832 Land $1,700 Building $20,132	$21,832 Land $1,700 Building $20,132

Assessed value is set for property tax purposes, not a market price estimate; it is 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
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.

Wildfire

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.

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 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