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3296 Main St, Cottondale, FL 32431 Property Records

Jackson County property record for 3296 Main St, Cottondale, FL 32431 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms1 Baths
Year BuiltBuilt 1995
Square Footage1,351 sqft Living Area
Lot Size7,362 sqft (0.169 acres)
OccupancyOwner Occupied
Last Sale$118,500 (2023)
Tax Bill$877.00 (2025)

Owner

Source: Jackson County records · APN 30-5N-11-0193-0000-0030

Assessment roll updated December 8, 2025 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address3296 MAIN ST, COTTONDALE, FL 32431-3051
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Apr 19, 2024Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
CARDINAL FINANCIAL COMPANY LP
Apr 17, 2023Warranty Deed, Transfer · Conventional Mortgage
ENVOY MORTGAGE LTD
Jan 14, 2022Warranty Deed, Transfer
FLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TR CO
Dec 06, 2021Quit Claim Deed, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 17, 2023 · Amount on Record
Deed SaleApr 17, 2023 · Amount on Record
Prior SaleDec 13, 2013 · Amount on Record
Deed Doc Number20233940
Deed Book / Page1787 / 773
Prior Transfer DateDec 06, 2021
Prior Transfer Doc0017260839
Record RefreshedSep 20, 2026

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON FL
Property Address3296 MAIN ST, COTTONDALE, FL 32431-3051
Transaction TypeMortgage
Record UpdatedMay 20, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address1328 FOXWORTH RD, CHIPLEY, FL 32428-4439

Mortgage

Document Number0018280859
DateApr 19, 2024
Book Page1828/859
Instrument202432003935
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Address3701 ARCO CORPORATE DR STE 200, CHARLOTTE, NC 28273
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2054

April 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJACKSON FL
Recording DateApr 17, 2023
Property Address3296 MAIN ST, COTTONDALE, FL 32431-3051
Document Number0017870773
Book / Page1787 / 773
Instrument DateApr 14, 2023
Instrument202332003940
Transaction TypeTransfer
Record UpdatedMay 22, 2023
Title CompanyFLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TR CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$829.50
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2604 MILTON ST, COTTONDALE, FL 32431-3045

Transferred To (Grantee/Buyer)

NameVerified Name
Address3296 MAIN ST, COTTONDALE, FL 32431-3051

Mortgage

Document Number202332003941
DateApr 17, 2023
Instrument202332003941
Lender
NameENVOY MORTGAGE LTD
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2053

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJACKSON FL
Recording DateJan 14, 2022
Property Address3296 MAIN ST, COTTONDALE, FL 32431-3051
Document Number0017320226
Book / Page1732 / 226
Instrument DateJan 14, 2022
Instrument202232000583
Transaction TypeTransfer
Record UpdatedFeb 09, 2023
Title CompanyFLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TR CO

Transaction

AmountAmount Recorded
Tax$224.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2728 THOMAS ST, COTTONDALE, FL 32431-3300

Transferred To (Grantee/Buyer)

NameVerified Name
Address2604 MILTON ST, COTTONDALE, FL 32431-3045

December 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionJACKSON FL
Recording DateDec 06, 2021
Property Address3296 MAIN ST, COTTONDALE, FL 32431-3051
Document Number0017260839
Book / Page1726 / 839
Instrument DateDec 06, 2021
Instrument202132015006
Transaction TypeTransfer
Record UpdatedJan 17, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2228 HWY 1774, 2228, BONIFAY, FL 32425

Transferred To (Grantee/Buyer)

NameVerified Name
Address2728 THOMAS ST, COTTONDALE, FL 32431-3300

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated December 8, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyJackson County
MunicipalityCottondale Town
Unified School DistrictJackson County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$877.00 (-4.57%) Homeowner's exemption$92,132 (-1.79%) Land $4,810 Building $87,322$92,132 (-1.79%) Land $4,810 Building $87,322
2024$919.00 (-6.7%) Homeowner's exemption$93,812 (+67.88%) Land $4,810 Building $89,002$93,812 (+67.88%) Land $4,810 Building $89,002
2023$985.00 (+24.53%)$55,880 (+17.85%) Land $3,330 Building $52,550$55,880 (+17.85%) Land $3,330 Building $52,550
2022$791.00$47,416 Land $3,330 Building $44,086$47,416 Land $3,330 Building $44,086

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Jackson County (12063C), updated January 15, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 35% of the US · above 10% of Florida
Wildfire LikelihoodAbout 1 in 1,923 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN30-5N-11-0193-0000-0030
Alternative APN
  • 11 N 530019300000030

Interior

Bedrooms3 Beds
Full Baths1 Baths
Building Area1,351 sqft Living Area
Gross Area1,913 sqft Gross Area
1st Floor1,351 sqft 1st Floor
Stories1 Stories
Primary FlooringWood Flooring
Interior StructureWood Interior Structure

Exterior

Year BuiltBuilt 1945
Effective Year BuiltEffective 1995
Architectural StyleBungalow Style
Exterior MaterialMetal Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area7,362 sqft (0.169 acres)
Depth X Width100 ft x 74 ft Depth x Width
Shed1 Shed
Shed Area308 sqft Shed

Utilities and HVAC

Cooling SystemWindow A/C Cooling
Heating SystemConvection Heating

Location & Zoning

Street Address3296 MAIN ST
CityCOTTONDALE
StateFL
Zip32431-3051
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionOR 181 P 821 OR 308 P 524 OR 360 P 61 OR 1006 P 822 OR 1404 P 639,640,641 OR 1407 P 580 OR 1407 P 580 OR 1726 P 839 OR 1787 P 773 COMM AT SWC OF BLK 3 HARRISON ADDN, COTTONDALE, RUN E 166 FT, N 74 FT, W 166 FT, S 74 FT TO POB IN SECT 30. OR 1828 P 85
Legal Range11W
Legal Township05N
Legal Section30
Legal SubdivisionCOTTONDALE
Legal Block30
Legal Lot Number30000
JurisdictionJACKSON FL
Minor Civil DivisionCOTTONDALE
Census Blockgroup2
Census Block2026
Census Tract210400

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