3154 Main St, Cottondale, FL 32431 Property Records

Jackson County property record for 3154 Main St, Cottondale, FL 32431

Property Summary

Property Type	Retail Store
Details	850 sqft · built 1940
Lot Size	0.076 acres (3,294 sqft)
Owner	Company Name on File
Last Sale	$35,000 (Aug 2019)
Tax Bill	$306 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-5N-11-0089-0OR0-0160`

Property Details

APN / Parcel Number

Primary APN	`31-5N-11-0089-0OR0-0160`
Alternative APN	`11 N 53100890OR00160`

Interior

Total Rooms	2 Rooms
Units	2 Units
Stories	1 Story
Building Area	850 sqft Gross Area
1st Floor Area	500 sqft
Flooring	Carpet
Interior Walls	Block

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1970
Architectural Style	Contemporary
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,294 sqft (0.076 acres)
Lot Width	90 ft Width
Canopy	100 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	3154 MAIN ST
City	COTTONDALE
State	FL
Zip	32431-3034
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Legal Description	LOT 16 BLK R IN NE1/4 OF NW1/4 IN COTTONDALE...OR 1274 P 561 OR 1620 P 597 OR 1833 P 708
Legal Range	11W
Legal Township	05N
Legal Section	31
Legal Subdivision	COTTONDALE
Legal Block	R
Legal Lot Number	16
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	2
Census Block	2041
Census Tract	210400

Owner

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

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

Owner of Record	Company Name on File
Mailing Address	2193 WHITE POND CHURCH RD, ALFORD, FL 32420-6911
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 14, 2019 · Amount on Record
Deed Sale	Aug 14, 2019 · Amount on Record
Deed Document Number	20199745
Deed Book / Page	1620 / 597
Prior Transfer Date	May 13, 2010
Prior Transfer Doc	0012740561
Record Updated	Jun 8, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Aug 14, 2019
Property Address	3154 MAIN ST, COTTONDALE, FL 32431-3034
Document Number	0016200597
Book / Page	1620 / 0597
Instrument Date	Aug 13, 2019
Instrument	201932009745
Transaction Type	Transfer
Record Updated	May 9, 2022
Title Company	OCEANSIDE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1744 LOVEWOOD RD, 1744, COTTONDALE, FL 32431-6908

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3256 MAIN ST, COTTONDALE, FL 32431-3052

Mortgage

Document Number	0001620598
Date	Aug 14, 2019
Instrument	1620/598

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$306.00 (+3.73%)	$17,173 (+4.17%) Land $5,850 Building $11,323	$17,173 (+4.17%) Land $5,850 Building $11,323
2024	$295.00 (+6.12%)	$16,486 (+4.41%) Land $5,850 Building $10,636	$16,486 (+4.41%) Land $5,850 Building $10,636
2023	$278.00 (+6.11%)	$15,790 (+0.2%) Land $5,850 Building $9,940	$15,790 (+0.2%) Land $5,850 Building $9,940
2022	$262.00	$15,758 Land $5,850 Building $9,908	$15,758 Land $5,850 Building $9,908

Assessed value is set for property tax purposes, not a market price estimate; it is 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	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