Jackson County property record for 3111 Main St, Cottondale, FL 32431
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 2,000 sqft · built 2019 |
| Lot Size | 0.326 acres (14,244 sqft) |
| Owner | Company Name on File |
| Last Sale | $225,000 (Oct 2023) |
| Tax Bill | $2,235 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Aug 2022 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-5N-11-0091-0000-0091 |
| Primary APN | 30-5N-11-0091-0000-0091 |
|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,000 sqft Total Area |
| Flooring | Concrete/Cement |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Metal |
| Construction Type | Frame |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable/Hip |
| Roof Material | Tin |
| Lot Area | 14,244 sqft (0.326 acres) |
| Lot Dimensions | 190 ft deep x 75 ft wide |
| Cooling System | Package A/C |
|---|---|
| Heating System | Forced Air |
| Street Address | 3111 MAIN ST |
|---|---|
| City | COTTONDALE |
| State | FL |
| Zip | 32431-3059 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | LOTS 9,10 BLK 0 COTTONDALE IN SW1/4 OF NW1/4, IN 31-5N-11... OR 122 P 40..OR 481 P 792 OR 595 P 328,330 OR 910 P 106 OR 1572 |
| Legal Range | 11W |
| Legal Township | 05N |
| Legal Section | 30 |
| Legal Subdivision | TOWN OF COTTONDALE |
| Legal Block | 0,O |
| Legal Lot Number | 9-12 10 |
| Jurisdiction | JACKSON FL |
| Township / Civil Division | COTTONDALE |
| Census Block Group | 1 |
| Census Block | 1063 |
| Census Tract | 210400 |
3111 Main St, a commercial property, is owned by a company that bought it in October 2023.
Source: Jackson County records, as of December 22, 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 | Company Name on File |
|---|---|
| Mailing Address | 603 N WAUKESHA ST, BONIFAY, FL 32425-2017 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Oct 30, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage SHELDON ROLAND |
| Aug 9, 2022 | Warranty Deed, Transfer |
| Apr 22, 2019 | Loan Modification, Mortgage · Line of Credit PEOPLESSOUTH BK |
| May 24, 2018 | Warranty Deed, Transfer · Conventional Mortgage PEOPLESSOUTH BK |
| May 23, 2018 | Deed of Trust, Mortgage PEOPLESSOUTH BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2023 · Amount on File |
| Deed Sale | Oct 30, 2023 · Amount on File |
| Prior Sale | Apr 28, 2003 · Amount on File |
| Deed Document Number | 202332010897 |
| Deed Book / Page | 1810 / 190 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON FL |
| Recording Date | Oct 30, 2023 |
| Property Address | COTTONDALE, FL 32431 |
| Document Number | 0018100190 |
| Book / Page | 1810 / 190 |
| Instrument Date | Oct 27, 2023 |
| Instrument | 202332010897 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2023 |
| Title Company | ANCHOR TITLE COMPANY, ANCHOR TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2911 CUMBAA RD, COTTONDALE, FL 32431-7203 |
| Name | Verified Name |
|---|---|
| Address | 603 N WAUKESHA ST, BONIFAY, FL 32425-2017 |
| Document Number | 0001810192 |
|---|---|
| Date | Oct 30, 2023 |
| Instrument | 1810/192 |
| Name | SHELDON ROLAND |
|---|---|
| Type | Private Party |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON FL |
| Recording Date | Aug 9, 2022 |
| Property Address | COTTONDALE, FL 32431 |
| Document Number | 0017590058 |
| Book / Page | 1759 / 58 |
| Instrument Date | Aug 9, 2022 |
| Instrument | 202232009369 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2911 CUMBAA RD, JACOB, FL 32431-7203 |
| Name | Verified Name |
|---|---|
| Address | 2911 CUMBAA RD, JACOB, FL 32431-7203 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | JACKSON FL |
| Property Address | COTTONDALE, FL 32431 |
| Document Number | 0016080524 |
| Instrument Date | Apr 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2911 CUMBAA RD COTTONDALE FL 324317203, COTTONDALE, FL 32431-7203 |
| Document Number | 0016080524 |
|---|---|
| Date | May 1, 2019 |
| Book Page | 001608/000524 |
| Instrument | 32005669 |
| Name | PEOPLESSOUTH BK |
|---|---|
| Type | Bank |
| Address | MARIANNA, FL 32448 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Apr 30, 2020 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON FL |
| Recording Date | May 24, 2018 |
| Property Address | COTTONDALE, FL 32431 |
| Document Number | 0015720241 |
| Book / Page | 001572 / 000241 |
| Instrument Date | May 23, 2018 |
| Instrument | 32006083 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2018 |
| Title Company | OCEANSIDE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $770.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2911 CUMBAA RD COTTONDALE FL 324317203, COTTONDALE, FL 32431-7203 |
| Document Number | 15720242 |
|---|---|
| Date | May 24, 2018 |
| Book Page | 001572/000242 |
| Instrument | 32006084 |
| Name | PEOPLESSOUTH BK |
|---|---|
| Type | Bank |
| Address | MARIANNA, FL 32448 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | May 23, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON FL |
| Property Address | COTTONDALE, FL 32431 |
| Document Number | 0016080515 |
| Instrument Date | May 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2911 CUMBAA RD COTTONDALE FL 324317203, COTTONDALE, FL 32431-7203 |
| Document Number | 0016080515 |
|---|---|
| Date | May 1, 2019 |
| Book Page | 001608/000515 |
| Instrument | 32005668 |
| Name | PEOPLESSOUTH BK |
|---|---|
| Type | Bank |
| Address | MARIANNA, FL 32448 |
| Amount | Amount on Record |
|---|---|
| Term | 24 Months |
| Due | Apr 30, 2021 |
The 2025 property tax bill for 3111 Main St was $2,235, down 0.9% from the year before.
Source: Jackson County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Jackson County |
| Municipality | Cottondale Town |
| Unified School District | Jackson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,235.00 (-0.93%) | $125,141 (-0.76%) Land $18,000 Building $107,141 | $125,141 (-0.76%) Land $18,000 Building $107,141 |
| 2024 | $2,256.00 (+27.89%) | $126,101 (+26.1%) Land $18,000 Building $108,101 | $126,101 (+26.1%) Land $18,000 Building $108,101 |
| 2023 | $1,764.00 (+9.36%) | $100,003 (+3.44%) Land $9,375 Building $90,628 | $100,003 (+3.44%) Land $9,375 Building $90,628 |
| 2022 | $1,613.00 | $96,679 Land $9,375 Building $87,304 | $96,679 Land $9,375 Building $87,304 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3111 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 3 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 risk around 3111 Main St is moderate, ranking above 43% of the US, with a 0.07% annual chance of 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.
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 |
| 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.
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 |
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