3128 Main St, Cottondale, FL 32431 Property Records

Jackson County property record for 3128 Main St, Cottondale, FL 32431

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,726 sqft · built 1927
Lot Size	0.094 acres (4,081 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Aug 2026)
Tax Bill	$1,694 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-5N-11-0092-0OG0-0015`

Property Details

APN / Parcel Number

Primary APN	`31-5N-11-0092-0OG0-0015`
Alternative APN	`11 N 53100920OG00015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,726 sqft Living Area
Gross Area	1,965 sqft
1st Floor Area	1,726 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1970
Architectural Style	Bungalow
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	4,081 sqft (0.094 acres)
Garage Type	Carport
Garage Area	504 sqft
Carport	Carport
Carport Area	504 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3128 MAIN ST
City	COTTONDALE
State	FL
Zip	32431-3058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 232 P 357 BEGIN AT INTERS N RTWY FANEY ST & E RTWY US HWY 231, RUN N ALONG HWY 64 FT E 88 FT, S 64 FT, W ALONG N RTWY FANEY ST 88 FT TO POB. ALSO DESCRIBED AS PART OF LOTS 15 & 16 BLK G COTTONDALE IN SE1/4 OF NW1/4...OR 346 P 747 OR 405 P 707...-
Legal Range	11W
Legal Township	05N
Legal Section	31
Legal Subdivision	COTTONDALE
Legal Block	15
Legal Lot Number	20OG0
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	2
Census Block	2061
Census Tract	210400

Owner

Source: Jackson County records, as of September 18, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	738 GILBERT DR, CHIPLEY, FL 32428-2020
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2026 · Amount on Record
Deed Sale	Aug 14, 2026 · Amount on Record
Prior Sale	Oct 13, 2025 · Amount on Record
Deed Document Number	20269809
Deed Book / Page	1936 / 649
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Aug 14, 2026
Property Address	3128 MAIN ST, COTTONDALE, FL 32431-3058
Document Number	0000009809
Book / Page	1936 / 649
Instrument Date	Aug 5, 2026
Instrument	20269809
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	NORTHWEST TITLE GROUP LLC, NORTHWEST TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$98,980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	738 GILBERT DR, CHIPLEY, FL 32428-2020

Mortgage

Document Number	0000009810,
Date	Aug 14, 2026
Book Page	1936/651
Instrument	20269810

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

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	$1,694.00 (+367.96%)	$94,848 (+88.8%) Land $16,750 Building $78,098	$94,848 (-9.06%) Land $16,750 Building $78,098
2024	$362.00 (+8.71%) Homeowner's exemption Widower's exemption	$50,236 (+2.68%)	$104,293 (+1.89%) Land $16,750 Building $87,543
2023	$333.00 (-25%) Homeowner's exemption Widower's exemption	$48,925 (-6.16%)	$102,361 (+19.62%) Land $16,750 Building $85,611
2022	$444.00 Homeowner's exemption Widower's exemption	$52,137	$85,572 Land $21,234 Building $64,338

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 100 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	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 124 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