Jackson County property record for 2778 Sapp Rd, Cottondale, FL 32431
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,568 sqft · built 2013 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $5,000 (Mar 2022) |
| Tax Bill | $1,094 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Oct 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-4N-12-0000-0060-0010 |
| Primary APN | 11-4N-12-0000-0060-0010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,568 sqft Heated Area |
| Gross Area | 1,828 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Tin |
| Lot Area | 52,272 sqft (1.2 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Open Porch |
| Deck Area | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2778 SAPP RD |
|---|---|
| City | COTTONDALE |
| State | FL |
| Zip | 32431-7247 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | ALL THAT PART LYING E OF SR S-195 OF: BEGIN AT NWC, RUN E 210 FT, S 840 FT, W 210 FT, N 840 FT TO POB...DB 8 P 703 OR 657 P 6 |
| Legal Range | 12W |
| Legal Township | 04N |
| Legal Section | 11 |
| Jurisdiction | JACKSON FL |
| Township / Civil Division | COTTONDALE |
| Census Block Group | 3 |
| Census Block | 3093 |
| 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2778 SAPP RD, COTTONDALE, FL 32431-7247 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2025 | Deed of Trust, Mortgage · Conventional Mortgage INNOVATIONS FINANCIAL CU |
| Oct 11, 2023 | Deed of Trust, Mortgage · Conventional Mortgage INNOVATIONS FINANCIAL CU |
| Dec 29, 2022 | Intrafamily Transfer, Transfer |
| Mar 8, 2022 | Warranty Deed, Transfer NORTHWEST TITLE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 8, 2022 · Amount on Record |
| Deed Sale | Mar 8, 2022 · Amount on Record |
| Prior Sale | Mar 8, 2022 · Amount on Record |
| Deed Document Number | 0017380756 |
| Deed Book / Page | 1738 / 756 |
| Last Transfer Date | Dec 29, 2022 |
| Transfer Doc | 0017750314 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON FL |
| Property Address | 2778 SAPP RD, COTTONDALE, FL 32431-7247 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2778 SAPP RD, COTTONDALE, FL 32431-7247 |
| Document Number | 0018970164 |
|---|---|
| Date | Oct 30, 2025 |
| Book Page | 1897/164 |
| Instrument | 202532012281 |
| Name | INNOVATIONS FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32408 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON FL |
| Property Address | 2778 SAPP RD, COTTONDALE, FL 32431-7247 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2778 SAPP RD, COTTONDALE, FL 32431-7247 |
| Document Number | 0018080471 |
|---|---|
| Date | Oct 11, 2023 |
| Book Page | 1808/471 |
| Instrument | 202332010308 |
| Name | INNOVATIONS FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32408 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | JACKSON FL |
| Recording Date | Dec 29, 2022 |
| Property Address | 2778 SAPP RD, COTTONDALE, FL 32431-7247 |
| Document Number | 0017750314 |
| Book / Page | 1775 / 314 |
| Instrument Date | Dec 29, 2022 |
| Instrument | 202232014487 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2778 SAPP RD, COTTONDALE, FL 32431-7247 |
| Name | Verified Name |
|---|---|
| Address | 2778 SAPP RD, COTTONDALE, FL 32431-7247 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON FL |
| Recording Date | Mar 8, 2022 |
| Property Address | 2778 SAPP RD, COTTONDALE, FL 32431-7247 |
| Document Number | 0017380756 |
| Book / Page | 1738 / 756 |
| Instrument Date | Mar 4, 2022 |
| Instrument | 202232002710 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2023 |
| Title Company | NORTHWEST TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $35.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3750 GOLDEN ACRES CIR, CRESTVIEW, FL 32539-9750 |
| Name | Verified Name |
|---|---|
| Address | 2778 SAPP RD, COTTONDALE, FL 32431-7247 |
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 | $1,094.00 (+3.6%) Homeowner's exemption | $122,423 (+2.9%) | $122,712 (-1.02%) Land $10,200 Building $112,512 |
| 2024 | $1,056.00 (+6.67%) Homeowner's exemption | $118,973 (+3%) | $123,977 (+7.33%) Land $10,200 Building $113,777 |
| 2023 | $990.00 (-11.92%) | $115,508 (+27.18%) Land $10,200 Building $105,308 | $115,508 (+27.18%) Land $10,200 Building $105,308 |
| 2022 | $1,124.00 | $90,824 Land $9,600 Building $81,224 | $90,824 Land $9,600 Building $81,224 |
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 |
| 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 | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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: 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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