3046 Gilbert Ranch Dr, Cottondale, FL 32431 Property Records

Jackson County property record for 3046 Gilbert Ranch Dr, Cottondale, FL 32431

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 2,432 sqft · built 2023
Lot Size	2.75 acres (119,790 sqft)
Owner	2 Individual Names on Record
Last Sale	$81,907 (Aug 2023)
Tax Bill	$2,977 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Aug 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`33-5N-11-0000-0250-0000`

Property Details

APN / Parcel Number

Primary APN	`33-5N-11-0000-0250-0000`
Alternative APN	`11 N 533000002500000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,432 sqft Living Area
Gross Area	3,032 sqft
1st Floor Area	2,432 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	119,790 sqft (2.75 acres)
Porch	Unfinished Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Cistern

Location & Zoning

Street Address	3046 GILBERT RANCH DR
City	COTTONDALE
State	FL
Zip	32431-3144
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	COMM AT THE SWC OF SECT 33, N 3* E 2639.84 FT, S 88* E 1096.56 FT TO BEGIN; N 8* E 568.51 FT, S 73* E 200 FT, S 2* W 511.36 FT, N 88* W 250.01 FT TO THE POB OR 1799 P 112 ESMT DESC IN OR 1799 P 108 OR 1800 P 914
Legal Range	11W
Legal Township	05N
Legal Section	33
Legal Lot Number	250
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	2
Census Block	2045
Census Tract	210400

Owner

Source: Jackson County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3020 GILBERT RANCH DR, COTTONDALE, FL 32431-3144
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2023	Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK
Aug 3, 2023	Warranty Deed, Transfer MARIANNA TITLE SERVICES INC
Jul 19, 2023	Intrafamily Transfer, Transfer MARIANNA TITLE SERVICES INC
May 23, 2022	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY SOUTH CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2023 · Amount on Record
Deed Sale	Aug 3, 2023 · Amount on Record
Prior Sale	Aug 3, 2023 · Amount on Record
Deed Document Number	20237908
Deed Book / Page	1800 / 938
Prior Transfer Date	Jul 19, 2023
Prior Transfer Doc	0017990112
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Aug 3, 2023
Property Address	COTTONDALE, FL 32431
Document Number	0018000914
Book / Page	1800 / 914
Instrument Date	Aug 1, 2023
Instrument	202332007905
Transaction Type	Transfer
Record Updated	Sep 25, 2023
Title Company	MARIANNA TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 335, COTTONDALE, FL 32431-0335

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3046 GILBERT RANCH DR, COTTONDALE, FL 32431

Mortgage

Document Number	202332007906
Date	Aug 3, 2023
Instrument	202332007906

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Aug 3, 2023
Property Address	COTTONDALE, FL 32431
Document Number	0018000938
Book / Page	1800 / 938
Instrument Date	Aug 1, 2023
Instrument	202332007908
Transaction Type	Transfer
Record Updated	Sep 25, 2023
Title Company	MARIANNA TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$574.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 335, COTTONDALE, FL 32431-0335

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 GILBERT RANCH DR #32431 # 32431, 32431, COTTONDALE, TX

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON FL
Recording Date	Jul 19, 2023
Property Address	COTTONDALE, FL 32431
Document Number	0017990112
Book / Page	1799 / 112
Instrument Date	Jul 19, 2023
Instrument	202332007349
Transaction Type	Transfer
Record Updated	Aug 23, 2023
Title Company	MARIANNA TITLE SERVICES INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3092 P X RANCH RD, COTTONDALE, FL 32431-7061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3046 GILBERT RANCH DRIVE, COTTONDALE, FL 32431

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	May 23, 2022
Property Address	COTTONDALE, FL 32431
Document Number	0017490273
Book / Page	1749 / 273
Instrument Date	May 23, 2022
Instrument	202232006204
Transaction Type	Transfer
Record Updated	Jun 17, 2022
Title Company	MARIANNA TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$657.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3043 POLSTON LN, 3043, COTTONDALE, FL 32431-7059

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25020 WHEELUS CIRCLE, COTTONDALE, FL 32431

Mortgage

Document Number	0001749277
Date	May 23, 2022
Instrument	1749/277

Lender

Name	COMMUNITY SOUTH CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	6.75%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	12.7%

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	$2,977.00 (-1.19%)	$223,332 (-0.94%) Land $16,500 Building $206,832	$223,332 (-0.94%) Land $16,500 Building $206,832
2024	$3,013.00 (+37.52%)	$225,442 (+8.94%) Land $16,500 Building $208,942	$225,442 (+8.94%) Land $16,500 Building $208,942
2023	$2,191.00 (+3,433.87%)	$206,933 (+3,990.39%) Land $16,500 Building $190,433	$206,933 (+160.26%) Land $16,500 Building $190,433
2022	$62.00	$5,059 Land $4,249 Building $810	$79,509

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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
Nearby Flood Policies	1 in force

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 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.09% 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 8 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 (outdoors only) and 4G LTE

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