3 Pond Rd, Cottondale, FL 32431 Property Records

Washington County property record for 3 Pond Rd, Cottondale, FL 32431

Property Summary

Property Type	Private Preserve, Open Space Vacant Land
Details	built 1996
Lot Size	40 acres (1,742,400 sqft)
Owner	2 Company Names on Record
Last Sale	$395,900 (Aug 2025)
Tax Bill	$1,075 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000000770000`

Property Details

APN / Parcel Number

Primary APN	`000000770000`
Alternative APN	`00770000`

Exterior

Year Built	Built 1996
Lot Area	1,742,400 sqft (40 acres)

Location & Zoning

Account Number	000000770000
Street Address	3 POND RD
City	COTTONDALE
State	FL
Zip	32431
Property Category	Vacant Land
Property Type	Vacant Land > Private Preserve, Open Space
Legal Description	8 3 12 40, ORB 1344 P 598, NW1/4 OF NE1/4.
Legal Range	12W
Legal Township	03N
Legal Section	08
Legal Block	0077
Legal Lot Number	0000
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2048
Census Tract	970303

Owner

Source: Washington 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 Company Names on Record
Mailing Address	110 CEDAR HAMMOCK LN, PANAMA CITY BEACH, FL 32407-2530
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 28, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 23, 2017	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2025 · Amount on Record
Deed Sale	Aug 5, 2025 · Amount on Record
Deed Document Number	0001344598
Prior Transfer Date	Jun 10, 2025
Prior Transfer Doc	202567004075
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	3 POND RD, COTTONDALE, FL 32431
Transaction Type	Mortgage
Record Updated	Dec 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067008412
Date	Oct 14, 2022
Book Page	1255/655
Instrument	202267008412

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	3 POND RD, COTTONDALE, FL 32431
Transaction Type	Mortgage
Record Updated	Feb 25, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067000912
Date	Jan 28, 2022
Book Page	1231/66
Instrument	202267000912

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jan 23, 2017
Property Address	3 POND RD, COTTONDALE, FL 32431
Document Number	0067000356
Book / Page	001080 / 000145
Instrument Date	Jan 17, 2017
Instrument	67000356
Transaction Type	Transfer
Record Updated	Feb 10, 2017
Title Company	FLORIDA LAND TITLE AND TRUST COMPANY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1988 WOODLAND RD COTTONDALE FL 324319214, COTTONDALE, FL 32431-9214

Mortgage

Document Number	67000357
Date	Jan 23, 2017
Book Page	001080/000146
Instrument	67000357

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,075.00 (+13.76%)	$80,000 (+11.11%) Land $80,000	$80,000 (+11.11%) Land $80,000
2024	$945.00 (+4.42%)	$72,000 (-) Land $72,000	$72,000 (-) Land $72,000
2023	$905.00 (+12.98%)	$72,000 (+2%) Land $72,000	$72,000 (+2%) Land $72,000
2022	$801.00	$60,000 Land $60,000	$60,000 Land $60,000

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 July 4, 2011 · 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
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1990–2018)
Most Recent Claim	Oct 2018 · Hurricane Michael

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 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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