3220 Main St, Cottondale, FL 32431 Property Records

Jackson County property record for 3220 Main St, Cottondale, FL 32431

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,816 sqft · built 1940
Lot Size	0.871 acres (37,984 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (Dec 2021)
Tax Bill	$1,510 (2025)
Deeds & Mortgages	Dec 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`30-5N-11-0091-0160-0050`

Property Details

APN / Parcel Number

Primary APN	`30-5N-11-0091-0160-0050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,816 sqft Heated Area
Gross Area	2,716 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1985
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	37,984 sqft (0.871 acres)
Lot Dimensions	380 ft deep x 100 ft wide
Garage Type	Mixed
Porch	Enclosed Porch
Storage Building	120 sqft
Utility Building	162 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3220 MAIN ST
City	COTTONDALE
State	FL
Zip	32431-3054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5,6,7,8 IN E1/2 OF SW1/4 BLK 16 IN COTTONDALE... OR 102 P 751 OR 386 P 516 OR 439 P 483 OR 1727 P 221
Legal Range	11W
Legal Township	05N
Legal Section	30
Legal Subdivision	COTTONDALE
Legal Block	16
Legal Lot Number	5,6 6
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	2
Census Block	2034
Census Tract	210400

Owner

3220 Main St is owned and occupied by an individual who bought it in December 2021.

Source: Jackson County records, as of December 22, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3220 MAIN ST, COTTONDALE, FL 32431-3054
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2021 · Amount on File
Deed Sale	Dec 9, 2021 · Amount on File
Deed Document Number	202132015133
Deed Book / Page	1727 / 221
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Dec 9, 2021
Property Address	3220 MAIN ST, COTTONDALE, FL 32431-3054
Document Number	0017270221
Book / Page	1727 / 221
Instrument Date	Dec 6, 2021
Instrument	202132015133
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$826.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	81 SMITH RD, 81, EQUINUNK, PA 18417-3502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12184 NORTH CAROLINA 88 WEST, CRESTON, NC 28615

Tax Assessment & Valuation

The 2025 property tax bill for 3220 Main St was $1,510 with a homeowner's exemption, up 3.6% from the year before.

Source: Jackson County assessment roll, as of July 1, 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	$1,510.00 (+3.57%) Homeowner's exemption	$127,538 (+2.9%)	$148,106 (-1.52%) Land $6,500 Building $141,606
2024	$1,458.00 (+6.42%) Homeowner's exemption	$123,944 (+3%)	$150,385 (+2.92%) Land $6,500 Building $143,885
2023	$1,370.00 (+14.55%) Homeowner's exemption	$120,334 (+5.24%)	$146,122 (+24.92%) Land $6,500 Building $139,622
2022	$1,196.00 Homeowner's exemption	$114,344	$116,976 Land $6,500 Building $110,476

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3220 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	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

Wildfire risk around 3220 Main St is low, with a 0.05% annual chance of 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	0.05% 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 83 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
Starlink Satellite	280 / 30