Jackson County property record for 2768 Cumbaa Rd, Cottondale, FL 32431
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,792 sqft · built 2001 |
| Lot Size | 2.02 acres (87,991 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,018 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-4N-12-0000-0010-0040 |
| Primary APN | 11-4N-12-0000-0010-0040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,792 sqft Heated Area |
| Gross Area | 3,088 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 87,991 sqft (2.02 acres) |
| Porch | Open Porch |
| Deck Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2768 CUMBAA RD |
|---|---|
| City | COTTONDALE |
| State | FL |
| Zip | 32431-7250 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OR 648 P 174 COMM AT SWC OF NW1/4 OF NE1/4, RUN N 420 FT TO BEGIN, RUN E 420 FT, N 210 FT, W 420 FT, S 210 FT TO POB. OR 825 |
| Legal Range | 12W |
| Legal Township | 04N |
| Legal Section | 11 |
| Jurisdiction | JACKSON FL |
| Township / Civil Division | COTTONDALE |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 210400 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2768 CUMBAA RD, COTTONDALE, FL 32431-7250 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2001 |
| Deed Sale | Jul 17, 2001 |
| Deed Document Number | 0000008252 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON FL |
| Property Address | 2768 CUMBAA RD, COTTONDALE, FL 32431-7250 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2768 CUMBAA RD, COTTONDALE, FL 32431-7250 |
| Document Number | 0016870192 |
|---|---|
| Date | Mar 8, 2021 |
| Book Page | 1687/192 |
| Instrument | 202132002714 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Mar 1, 2028 |
Source: Jackson County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Jackson County |
| Unified School District | Jackson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,018.00 (+3.56%) Homeowner's exemption | $116,760 (+2.9%) | $169,933 (-1.6%) Land $12,120 Building $157,813 |
| 2024 | $983.00 (+6.96%) Homeowner's exemption | $113,469 (+3%) | $172,698 (+1.91%) Land $12,120 Building $160,578 |
| 2023 | $919.00 (+11.12%) Homeowner's exemption | $110,164 (+3%) | $169,455 (+22.38%) Land $12,120 Building $157,335 |
| 2022 | $827.00 Homeowner's exemption | $106,955 | $138,466 Land $11,110 Building $127,356 |
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 |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
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