2885 Pontiac Loop, Cottondale, FL 32431 Property Records

Jackson County property record for 2885 Pontiac Loop, Cottondale, FL 32431 · Last verified January 2026

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 2,176 sqft · built 2019
Lot Size	1.97 acres (85,813 sqft)
Owner	2 Owner Names on File
Last Sale	$37,000 (May 2004)
Tax Bill	$475 (2025)
Deeds & Mortgages	Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-5N-11-0000-0270-0051`

Property Details

APN / Parcel Number

Primary APN	`32-5N-11-0000-0270-0051`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,176 sqft Heated Area
Gross Area	2,224 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	85,813 sqft (1.97 acres)
Deck Area	16 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2885 PONTIAC LOOP
City	COTTONDALE
State	FL
Zip	32431-7321
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	OR 454 P 800 OR 456 P 298 OR 783 P 508 OR 842 P 693 OR 842 P 693 COMM AT SEC OF SW1/4 RUN N 627.5 FT, W 136.85 FT, N 265 FT,
Legal Range	11W
Legal Township	05N
Legal Section	32
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	3
Census Block	3005
Census Tract	210400

Owner

Source: Jackson County records · APN 32-5N-11-0000-0270-0051

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on File
Mailing Address	2885 PONTIAC LOOP, COTTONDALE, FL 32431-7321
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 14, 2004 · Amount on Record
Deed Sale	May 14, 2004 · Amount on Record
Prior Sale	Aug 04, 2003 · Amount on Record
Deed Document Number	0000096577
Deed Book / Page	965 / 77
Record Updated	Jun 08, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	2885 PONTIAC LOOP, COTTONDALE, FL 32431-7321
Transaction Type	Mortgage
Record Updated	May 09, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016040136
Date	Mar 27, 2019
Book Page	1604/0136
Instrument	201932004054

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Nov 13, 2048

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Jackson County
Unified School District	Jackson County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$475.00 (+5.09%) Homeowner's exemption Widower's exemption	$80,998 (+2.9%)	$208,504 (-1.83%) Land $16,745 Building $191,759
2024	$452.00 (+10.24%) Homeowner's exemption Widower's exemption	$78,715 (+3%)	$212,401 (+8.55%) Land $16,745 Building $195,656
2023	$410.00 (-2.61%) Homeowner's exemption Widower's exemption	$76,422 (+3%)	$195,666 (+25.34%) Land $16,745 Building $178,921
2022	$421.00 Homeowner's exemption Widower's exemption	$74,196	$156,112 Land $15,760 Building $140,352

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Jackson County (12063C), updated January 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120632104003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force 3 of 3 on primary residences
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020, rainfall accumulation, Hurricane Sally

Wildfire

Wildfire Risk	Moderate above 44% of the US · above 14% of Florida
Wildfire Likelihood	About 1 in 1,429 per year
Exposure	Direct burnable vegetation at the parcel

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.