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2979 Cumbaa Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 2979 Cumbaa Rd, Cottondale, FL 32431

Property Summary

Property TypeMobile Home
Details3 bd · 2 ba · 1,564 sqft · built 1995
Lot Size6 acres (261,360 sqft)
OwnerIndividual Name on Record
Tax Bill$115 (2024)
Deeds & MortgagesDec 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN02-4N-12-0000-0030-0010

Property Details

APN / Parcel Number

Primary APN02-4N-12-0000-0030-0010

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,564 sqft Heated Area
Gross Area2,698 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1995
Exterior MaterialVinyl
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area261,360 sqft (6 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address2979 CUMBAA RD
CityCOTTONDALE
StateFL
Zip32431-7203
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Legal DescriptionOR 143 P 388 COMM AT INTERS OF N LINE OF E1/2 OF NW1/4 & W RTWY OF RD RUNNING N&S, THENCE S 400 TO BEGIN, S 829.71 FT, W 315
Legal Range12W
Legal Township04N
Legal Section02
JurisdictionJACKSON FL
Township / Civil DivisionCOTTONDALE
Census Block Group3
Census Block3028
Census Tract210400

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 RecordIndividual Name on Record
Mailing Address2979 CUMBAA RD, COTTONDALE, FL 32431-7203
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedJun 8, 2026

December 2017: Trustee's Deed, Construction Loan

Document TypeTrustee's Deed
JurisdictionJACKSON FL
Recording DateDec 20, 2017
Property Address2979 CUMBAA RD, COTTONDALE, FL 32431-7203
Document Number0015550006
Book / Page001555 / 000006
Instrument DateDec 15, 2017
Instrument32013870
Transaction TypeConstruction Loan
Record UpdatedJan 23, 2018

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2979 CUMBAA RD COTTONDALE FL 324317203, COTTONDALE, FL 32431-7203

Mortgage

Document Number15550006
DateDec 20, 2017
Book Page001555/000006
Instrument32013870
Lender
NameFIRST FSB/FL
TypeFederal Savings Bank
AddressMARIANNA, FL 32446
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueDec 19, 2037
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyJackson County
Unified School DistrictJackson County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025Homeowner's exemption Disabled Person's exemption Veteran's exemption$44,926 (+2.9%)$115,983 (-4.95%) Land $15,300 Building $100,683
2024$115.00 (-29.01%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption$43,660 (+3%)$122,024 (+64.94%) Land $15,300 Building $106,724
2023$162.00 (-16.06%) Homeowner's exemption Widower's exemption$42,388 (+3%)$73,983 (+21.39%) Land $15,300 Building $58,683
2022$193.00 Homeowner's exemption Widower's exemption$41,153$60,946 Land $13,770 Building $47,176

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims1 (2020)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 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 RiskModerate
above 42% of the US · lower than 86% of Florida
Wildfire Likelihood0.07% annual chance
ExposureDirect
burnable vegetation

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 3 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cumbaa Rd

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