3204 Willow St, Cottondale, FL 32431 Property Records

Jackson County property record for 3204 Willow St, Cottondale, FL 32431

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,630 sqft · built 1971
Lot Size	0.85 acres (37,026 sqft)
Owner	2 Individual Names on Record
Tax Bill	$532 (2025)
Deeds & Mortgages	Jul 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`31-5N-11-0000-0050-0020`

Property Details

APN / Parcel Number

Primary APN	`31-5N-11-0000-0050-0020`
Alternative APN	`11 N 531000000500020`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,630 sqft Living Area
Gross Area	2,025 sqft
1st Floor Area	1,630 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1979
Architectural Style	Bungalow
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	37,026 sqft (0.85 acres)
Porch	Finished/Open Porch
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3204 WILLOW ST
City	COTTONDALE
State	FL
Zip	32431-3126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 151 P 488 BEGIN ON EAST SIDE OF WILLOW ST AT INTERS WITH E NORTH ST ON S SIDE OF E NORTH ST, RUN E 210 FT, S 177 FT, W 210 FT, N 177 FT TO POB OR 1800 P 316 LIFETIME ESTATE
Legal Range	11W
Legal Township	05N
Legal Section	31
Legal Subdivision	LIFETIME ESTATE
Legal Block	20
Legal Lot Number	50
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	2
Census Block	2043
Census Tract	210400

Owner

Source: Jackson County records, as of March 6, 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	2 Individual Names on Record
Mailing Address	PO BOX 121, COTTONDALE, FL 32431-0121
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 31, 2023
Transfer Doc	0018000316
Record Updated	Jun 8, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON FL
Recording Date	Jul 31, 2023
Property Address	3204 WILLOW ST, COTTONDALE, FL 32431-3126
Document Number	0018000316
Book / Page	1800 / 316
Instrument Date	Jul 31, 2023
Instrument	202332007724
Transaction Type	Transfer
Record Updated	Aug 23, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 121, COTTONDALE, FL 32431-0121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 121, COTTONDALE, FL 32431-0121

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	$532.00 (+1.53%)	$66,058 (+2.9%)	$108,928 (-1.64%) Land $7,225 Building $101,703
2024	$524.00 (+3.97%) Homeowner's exemption	$64,196 (+3%)	$110,747 (+1.88%) Land $7,225 Building $103,522
2023	$504.00 (+7.69%) Homeowner's exemption	$62,326 (+3%)	$108,701 (+21.43%) Land $7,225 Building $101,476
2022	$468.00 Homeowner's exemption	$60,511	$89,517 Land $7,225 Building $82,292

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
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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% 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 14 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