3106 Main St, Cottondale, FL 32431 Property Records

Jackson County property record for 3106 Main St, Cottondale, FL 32431

Property Summary

Property Type	Retail Store
Details	7,710 sqft · built 1986
Lot Size	0.468 acres (20,386 sqft)
Owner	Company Name on Record
Last Sale	$850,000 (Jul 2018)
Tax Bill	$7,953 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-5N-11-0092-0OR0-0010`

Property Details

APN / Parcel Number

Primary APN	`31-5N-11-0092-0OR0-0010`
Alternative APN	`11 N 53100920OR00010`

Interior

Total Rooms	4 Rooms
Units	2 Units
Stories	1 Story
Building Area	7,710 sqft Gross Area
1st Floor Area	2,568 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Steel Frame
Fire Resistance	Fireproof Steel Frame
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	20,386 sqft (0.468 acres)
Lot Dimensions	150 ft deep x 136 ft wide
Canopy	4,710 sqft
Storage Building	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3106 MAIN ST
City	COTTONDALE
State	FL
Zip	32431-3058
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Legal Description	OR 182 P 701 OR 328 P 58 OR 732 P 284,291 OR 916 P 796 BEING AT INTERS OF S RTWY OF ST ANDREWS ST & E RTWY OF MAIN ST (STRD #75), E ALONG RTWY OF ANDREWS ST 366.10 FT TO INTERS OF S RTWY ST ANDREWS ST & W OF MAGNOLIA ST, S 134.94 FT, S 1.67 FT TO INT
Legal Range	11W
Legal Township	05N
Legal Section	31
Legal Block	10
Legal Lot Number	20OR0
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	2
Census Block	2064
Census Tract	210400

Owner

Source: Jackson County records, as of April 14, 2026

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	Company Name on Record
Mailing Address	1606 SYDNEY LN, LYNN HAVEN, FL 32444-2922
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2018 · Amount on Record
Deed Sale	Jul 18, 2018 · Amount on Record
Prior Sale	Dec 20, 2016 · Amount on Record
Deed Document Number	20188089
Deed Book / Page	1578 / 473
Prior Transfer Date	Mar 21, 2003
Prior Transfer Doc	0000008216
Record Updated	Oct 29, 2026

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Jul 18, 2018
Property Address	3106 MAIN ST, COTTONDALE, FL 32431-3058
Document Number	0015780473
Book / Page	1578 / 0473
Instrument Date	Jul 11, 2018
Instrument	201832008089
Transaction Type	Transfer
Record Updated	Jan 24, 2022
Title Company	CONSTITUTION TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1923 HWY, 1923, COTTONDALE, FL 32431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1606 SYDNEY LN, LYNN HAVEN, FL 32444-2922

Mortgage

Document Number	201832008091
Date	Jul 18, 2018
Instrument	201832008091

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 11, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,953.00 (-3.98%)	$445,212 (-3.81%) Land $183,600 Building $261,612	$445,212 (-3.81%) Land $183,600 Building $261,612
2024	$8,283.00 (+9.38%) Additional exemption filed	$462,828 (+5.08%) Land $183,600 Building $279,228	$462,828 (+5.08%) Land $183,600 Building $279,228
2023	$7,573.00 (+12.46%) Additional exemption filed	$440,450 (-1.1%) Land $183,600 Building $256,850	$440,450 (-1.1%) Land $183,600 Building $256,850
2022	$6,734.00 Additional exemption filed	$445,347 Land $183,600 Building $261,747	$445,347 Land $183,600 Building $261,747

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 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 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COTTONDALE WATER SYSTEM serves 861 people · EPA ID FL1320143
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20