Jackson County property record for 3256 Main St, Cottondale, FL 32431
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,432 sqft · built 1949 |
| Lot Size | 0.303 acres (13,199 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $249,900 (Jun 2022) |
| Tax Bill | $3,543 (2025) |
| Deeds & Mortgages | Jun 2022 Transfer Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-5N-11-0091-0100-0080 |
| Primary APN | 30-5N-11-0091-0100-0080 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,432 sqft Heated Area |
| Gross Area | 2,599 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Precast Concrete Panel |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 13,199 sqft (0.303 acres) |
| Lot Dimensions | 200 ft deep x 66 ft wide |
| Driveway | Driveway |
| Driveway Area | 1,600 sqft |
| Porch | Open Porch |
|---|---|
| Deck Area | 368 sqft |
| Patio Area | 239 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3256 MAIN ST |
|---|---|
| City | COTTONDALE |
| State | FL |
| Zip | 32431-3052 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DB 411 P 401 COMM AT INTERS N BNDY OAK ST & E BNDY MAIN ST, RUN N ALONG MAIN ST 233 1/3 FT TO BEGIN, RUN E PARALLEL WITH N LI |
| Legal Range | 11W |
| Legal Township | 05N |
| Legal Section | 30 |
| Legal Subdivision | TOWN OF COTTONDALE |
| Legal Block | 10 |
| Legal Lot Number | 8,9 |
| Jurisdiction | JACKSON FL |
| Township / Civil Division | COTTONDALE |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 210400 |
Source: Jackson County records, as of December 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3256 MAIN ST, COTTONDALE, FL 32431-3052 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 14, 2022 | Quit Claim Deed, Transfer NORTHWEST TITLE GROUP LLC |
| Jun 14, 2022 | Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Aug 19, 2019 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2022 · Amount on Record |
| Deed Sale | Jun 14, 2022 · Amount on Record |
| Prior Sale | Jun 14, 2022 |
| Deed Document Number | 202232007053 |
| Deed Book / Page | 1751 / 963 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | JACKSON FL |
| Recording Date | Jun 14, 2022 |
| Property Address | 3256 MAIN ST, COTTONDALE, FL 32431-3052 |
| Document Number | 0017510961 |
| Book / Page | 1751 / 961 |
| Instrument Date | Jun 13, 2022 |
| Instrument | 202232007052 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | NORTHWEST TITLE GROUP LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1279 FORREST AVE, CHIPLEY, FL 32428-1830 |
| Name | Verified Name |
|---|---|
| Address | 3256 MAIN ST, COTTONDALE, FL 32431-3052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON FL |
| Recording Date | Jun 14, 2022 |
| Property Address | 3256 MAIN ST, COTTONDALE, FL 32431-3052 |
| Document Number | 0017510963 |
| Book / Page | 1751 / 963 |
| Instrument Date | Jun 13, 2022 |
| Instrument | 202232007053 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2022 |
| Title Company | NORTHWEST TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,749.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3256 MAIN ST, 3256, COTTONDALE, FL 32431-3052 |
| Name | Verified Name |
|---|---|
| Address | 2002 BAYBERRY LN, SOUTHPORT, FL 32409-3537 |
| Document Number | 0001751965 |
|---|---|
| Date | Jun 14, 2022 |
| Instrument | 1751/965 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON FL |
| Property Address | 3256 MAIN ST, COTTONDALE, FL 32431-3052 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0016210144 |
|---|---|
| Date | Aug 19, 2019 |
| Book Page | 1621/0144 |
| Instrument | 201932009936 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 5, 2034 |
Source: Jackson County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Jackson County |
| Municipality | Cottondale Town |
| Unified School District | Jackson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,543.00 (-1.2%) | $198,366 (-1.02%) Land $4,290 Building $194,076 | $198,366 (-1.02%) Land $4,290 Building $194,076 |
| 2024 | $3,586.00 (+3.91%) | $200,416 (+2.44%) Land $4,290 Building $196,126 | $200,416 (+2.44%) Land $4,290 Building $196,126 |
| 2023 | $3,451.00 (+697%) Homeowner's exemption | $195,644 (+267.41%) Land $4,290 Building $191,354 | $195,644 (+184.23%) Land $4,290 Building $191,354 |
| 2022 | $433.00 Homeowner's exemption | $53,249 | $68,834 Land $4,290 Building $64,544 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% 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.
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 |
| 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.
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 |
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