3124 Main St, Cottondale, FL 32431 Property Records

Jackson County property record for 3124 Main St, Cottondale, FL 32431 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1965
Square Footage	1,648 sqft Heated Area
Lot Size	10,846 sqft (0.248 acres)
Occupancy	Owner Occupied
Last Sale	$124,900 (2022)
Tax Bill	$676.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`31-5N-11-0092-0OL0-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,648 sqft Heated Area
Gross Area	2,030 sqft Gross Area
Stories	1 Story
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1965
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Tin
Lot Area	10,846 sqft (0.248 acres)
Lot Dimensions	145 ft deep x 75 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3124 MAIN ST
City	COTTONDALE
State	FL
Zip	32431-3058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1,2,3,4 BLK L COTTONDALE IN SE1/4 OF NW1/4, LESS RTWY PER OR 440 P 665... OR 444 P 243-248 OR 1346 P 841 OR 1709 P 569 O
Legal Range	11W
Legal Township	05N
Legal Section	31
Legal Subdivision	COTTONDALE
Legal Block	L
Legal Lot Number	1,2 2
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	2
Census Block	2062
Census Tract	210400

Owner

Source: Jackson County records · APN 31-5N-11-0092-0OL0-0010

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3124 MAIN ST, COTTONDALE, FL 32431-3058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 14, 2022 · Amount on Record
Deed Sale	Oct 14, 2022 · Amount on Record
Deed Document Number	202232011866
Deed Book / Page	1766 / 978
Record Updated	Jun 08, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Oct 14, 2022
Property Address	3124 MAIN ST, COTTONDALE, FL 32431-3058
Document Number	0017660978
Book / Page	1766 / 978
Map Reference	CAB S PG 144-145
Instrument Date	Oct 11, 2022
Instrument	202232011866
Transaction Type	Transfer
Record Updated	Nov 17, 2022
Title Company	FLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TR CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$874.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2570 OBERT RD, 2570, COTTONDALE, FL 32431-7236

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001766984
Date	Oct 14, 2022
Instrument	1766/984

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated July 1, 2025 · Last verified January 2026

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$676.00 (-6.11%) Homeowner's exemption	$80,888 (-2.21%) Land $4,875 Building $76,013	$80,888 (-2.21%) Land $4,875 Building $76,013
2024	$720.00 (+6.67%) Homeowner's exemption	$82,716 (+2.16%) Land $4,875 Building $77,841	$82,716 (+2.16%) Land $4,875 Building $77,841
2023	$675.00 (-21.88%)	$80,969 (+39.72%) Land $4,875 Building $76,094	$80,969 (+39.72%) Land $4,875 Building $76,094
2022	$864.00	$57,950 Land $3,375 Building $54,575	$57,950 Land $3,375 Building $54,575

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Jackson County (12063C), updated January 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft

Wildfire

Wildfire Risk	Low above 34% of the US · above 8% of Florida
Wildfire Likelihood	About 1 in 2,273 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.