2893 Cumbaa Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 2893 Cumbaa Rd, Cottondale, FL 32431

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,400 sqft · built 1965
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Jun 2024)
Tax Bill	$2,129 (2025)
Deeds & Mortgages	Jul 2024 Transfer Jun 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-4N-12-0000-0070-0000`

Property Details

APN / Parcel Number

Primary APN	`02-4N-12-0000-0070-0000`
Alternative APN	`12 N 402000000700000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,400 sqft Living Area
Gross Area	2,120 sqft
1st Floor Area	1,400 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1980
Architectural Style	Bungalow
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	435,600 sqft (10 acres)
Garage Type	Carport
Garage Area	720 sqft
Carport	Carport
Carport Area	720 sqft
Pole Barn	2,100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2893 CUMBAA RD
City	COTTONDALE
State	FL
Zip	32431-7201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEGIN AT NEC OF E1/2 OF SW1/4, RUN W 660 FT, S 660 FT, E 660 FT, N 660 FT TO POB...OR 17 P 579 OR 21 P 207 OR 1770 P 323 (D/C OR 1834 P 567) OR 1834 P 568 OR 1839 P 09
Legal Range	12W
Legal Township	04N
Legal Section	02
Legal Subdivision	LIFETIME ESTATE
Legal Lot Number	70
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	3
Census Block	3093
Census Tract	210400

Owner

Source: Jackson County records, as of March 6, 2026

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	2893 CUMBAA RD, COTTONDALE, FL 32431-7201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2024	Intrafamily Transfer, Transfer PANHANDLE LAND TITLE LLC
Jun 10, 2024	Warranty Deed, Transfer · Conventional Mortgage CHAMBERS BANK
Nov 10, 2022	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2024 · Amount on Record
Deed Sale	Jun 10, 2024 · Amount on Record
Deed Document Number	20245754
Deed Book / Page	1834 / 568
Last Transfer Date	Jul 19, 2024
Transfer Doc	0018390009
Record Updated	Jun 8, 2026

July 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON FL
Recording Date	Jul 19, 2024
Property Address	2893 CUMBAA RD # 2281, 2281, COTTONDALE, FL 32431-7201
Document Number	0018390009
Book / Page	1839 / 9
Instrument Date	Jul 19, 2024
Instrument	202432007234
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	PANHANDLE LAND TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2893 CUMBER RD, COTTONDALE, FL 32431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2893 CUMBAA RD, COTTONDALE, FL 32431-7201

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Jun 10, 2024
Property Address	2893 CUMBAA RD # 2281, 2281, COTTONDALE, FL 32431-7201
Document Number	0018340568
Book / Page	1834 / 568
Instrument Date	Jun 10, 2024
Instrument	202432005754
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	PANHANDLE LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1415 BASS RD, MACON, GA 31210-7509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2893 CUMBAA RD, COTTONDALE, FL 32431-7201

Mortgage

Document Number	202432005755
Date	Jun 10, 2024
Instrument	202432005755

Lender

Name	CHAMBERS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2054

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Nov 10, 2022
Property Address	2893 CUMBAA RD # 2281, 2281, COTTONDALE, FL 32431-7201
Document Number	0017700323
Book / Page	1770 / 323
Instrument Date	Nov 10, 2022
Instrument	202232012847
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2893 CUMBAA RD, COTTONDALE, FL 32431-7201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 MONTPELIER RD, FORSYTH, GA 31029-8720

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,129.00 (+682.72%)	$159,743 (+252.07%) Land $40,000 Building $119,743	$159,743 (+62.71%) Land $40,000 Building $119,743
2024	$272.00 (+8.8%) Homeowner's exemption	$45,372 (+3%)	$98,177 (+1.36%) Land $40,000 Building $58,177
2023	$250.00 (+14.16%) Homeowner's exemption	$44,050 (+3%)	$96,862 (+19.23%) Land $40,000 Building $56,862
2022	$219.00 Homeowner's exemption	$42,767	$81,238 Land $35,000 Building $46,238

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
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 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

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