3279 Gardenview Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 3279 Gardenview Rd, Cottondale, FL 32431

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,151 sqft · built 2006
Lot Size	7.49 acres (326,264 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,804 (2025)
Deeds & Mortgages	Dec 2019 Mortgage May 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-4N-11-0000-0080-0060`

Property Details

APN / Parcel Number

Primary APN	`34-4N-11-0000-0080-0060`
Alternative APN	`11 N 434000000800060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,151 sqft Living Area
Gross Area	3,176 sqft
1st Floor Area	2,151 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2010
Architectural Style	Bungalow
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	326,264 sqft (7.49 acres)
Garage Type	Attached
Garage Area	575 sqft
Porch	Finished/Open Porch
Deck Area	102 sqft
Lean-To	Lean-To

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Cistern

Location & Zoning

Street Address	3279 GARDENVIEW RD
City	COTTONDALE
State	FL
Zip	32431-7745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 1008 P 565 LEGAL DES- CRIPTION FOR A PORTION OF OR 891 P 438: COMM AT NEC OF SECT, RUN W 1226.7 FT, S 59* W 1656.1 FT, S 56* W 742.09 FT TO S/LY RTWY OF STRD #S-276A & TO BEGIN, E 611.11 FT, S 2* W 579.77 FT, W 488.01 FT, N 12* W 574.13 FT TO S/LY
Legal Range	11W
Legal Township	04N
Legal Section	34
Legal Block	60
Legal Lot Number	80
Jurisdiction	JACKSON FL
Township / Civil Division	ALFORD
Census Block Group	2
Census Block	2016
Census Tract	211100

Owner

Source: Jackson County records, 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	2 Individual Names on Record
Mailing Address	3279 GARDENVIEW RD, COTTONDALE, FL 32431-7745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2019	Quit Claim Deed, Transfer · Conventional with PMI MR COOPER
May 18, 2018	Loan Modification, Mortgage · Conventional Mortgage IMORTGAGE
Feb 13, 2017	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2019
Deed Sale	Dec 23, 2019
Deed Document Number	201914915
Deed Book / Page	1635 / 147
Prior Transfer Date	Dec 14, 2019
Prior Transfer Doc	0016350147
Record Updated	Jun 8, 2026

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON FL
Recording Date	Dec 23, 2019
Property Address	3279 GARDENVIEW RD, COTTONDALE, FL 32431-7745
Document Number	0016350147
Book / Page	001635 / 000147
Instrument Date	Dec 14, 2019
Instrument	32014915
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3279 GARDENVIEW RD COTTONDALE FL 324317745, COTTONDALE, FL 32431-7745

Mortgage

Document Number	16350150
Date	Dec 23, 2019
Book Page	001635/000150
Instrument	32014916

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 22, 2049

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JACKSON FL
Property Address	3279 GARDENVIEW RD, COTTONDALE, FL 32431-7745
Document Number	0015740799
Instrument Date	May 18, 2018
Transaction Type	Mortgage
Record Updated	Jul 25, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3279 GARDENVIEW RD COTTONDALE FL 324317745, COTTONDALE, FL 32431-7745

Mortgage

Document Number	0015740799
Date	Jun 13, 2018
Book Page	001574/000799
Instrument	32006866

Lender

Name	IMORTGAGE
Type	Mortgage Company
Address	FLINT, MI 48501-2026

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.37%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	3279 GARDENVIEW RD, COTTONDALE, FL 32431-7745
Document Number	0015230451
Book / Page	001523 / 000451
Instrument Date	Feb 13, 2017
Transaction Type	Mortgage
Record Updated	Jun 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3279 GARDENVIEW RD COTTONDALE FL 324317745, COTTONDALE, FL 32431-7745

Mortgage

Document Number	0015230451
Date	Feb 21, 2017
Book Page	001523/000451
Instrument	32001964

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 20, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Jackson County
Unified School District	Jackson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,804.00 (+3.2%) Homeowner's exemption	$175,679 (+2.9%)	$274,374 (-0.99%) Land $37,450 Building $236,924
2024	$1,748.00 (+5.94%) Homeowner's exemption	$170,728 (+3%)	$277,117 (+2.99%) Land $37,450 Building $239,667
2023	$1,650.00 (+10.37%) Homeowner's exemption	$165,755 (+3%)	$269,074 (+21.91%) Land $37,450 Building $231,624
2022	$1,495.00 Homeowner's exemption	$160,927	$220,719 Land $33,705 Building $187,014

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2018 · Hurricane Michael

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 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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