3460 Caverns Rd, Marianna, FL 32446 Property Records

Jackson County property record for 3460 Caverns Rd, Marianna, FL 32446

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,662 sqft · built 1978
Lot Size	0.5 acres (21,780 sqft)
Owner	Owner Name on File
Last Sale	$98,000 (May 2004)
Tax Bill	$644 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Aug 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`26-5N-10-0325-0000-0026`

Property Details

APN / Parcel Number

Primary APN	`26-5N-10-0325-0000-0026`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,662 sqft Heated Area
Gross Area	1,690 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1985
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
Porch	Open Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3460 CAVERNS RD
City	MARIANNA
State	FL
Zip	32446-1833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 218 P 37 BEGIN AT NWC OF LOT 2 PARK SUB, RUN S 175 FT, E 125 FT, N 175 FT TO RTWY, W ALONG RTWY TO POB... OR 559 P 584 OR
Legal Range	10W
Legal Township	05N
Legal Section	26
Legal Subdivision	PARK
Legal Lot Number	2
Jurisdiction	JACKSON FL
Township / Civil Division	MARIANNA
Census Block Group	2
Census Block	2019
Census Tract	210700

Owner

The current owner of 3460 Caverns Rd bought it in May 2004.

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

Owner of Record	Owner Name on File
Mailing Address	3460 CAVERNS RD, MARIANNA, FL 32446-1833
Occupancy	Owner Occupied

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

Date	Document
Nov 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Aug 10, 2018	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2004 · Amount on File
Deed Sale	May 25, 2004 · Amount on File
Deed Document Number	0000966743
Deed Book / Page	966 / 743
Record Updated	Jun 8, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	3460 CAVERNS RD, MARIANNA, FL 32446-1833
Document Number	0015940447
Instrument Date	Nov 16, 2018
Transaction Type	Mortgage
Record Updated	Feb 27, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3460 CAVERNS RD MARIANNA FL 324461833, MARIANNA, FL 32446-1833

Mortgage

Document Number	0015940447
Date	Jan 4, 2019
Book Page	001594/000447
Instrument	32000145

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2049

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JACKSON FL
Property Address	3460 CAVERNS RD, MARIANNA, FL 32446-1833
Document Number	0015830971
Instrument Date	Aug 10, 2018
Transaction Type	Mortgage
Record Updated	Nov 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3460 CAVERNS RD MARIANNA FL 324461833, MARIANNA, FL 32446-1833

Mortgage

Document Number	0015830971
Date	Sep 5, 2018
Book Page	001583/000971
Instrument	32009991

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2048

Interest

Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 3460 Caverns Rd was $644 with a homeowner's exemption, up 4% from the year before.

Source: Jackson County assessment roll, as of July 1, 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	$644.00 (+4.04%) Homeowner's exemption	$88,730 (+2.9%)	$127,536 (-1.52%) Land $6,250 Building $121,286
2024	$619.00 (+8.22%) Homeowner's exemption	$86,229 (+3%)	$129,507 (+2.16%) Land $6,250 Building $123,257
2023	$572.00 (+12.38%) Homeowner's exemption	$83,717 (+3%)	$126,763 (+22.03%) Land $6,250 Building $120,513
2022	$509.00 Homeowner's exemption	$81,279	$103,880 Land $6,250 Building $97,630

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

Flood

FEMA maps place 3460 Caverns Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2009.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2009–2018)
Claims Outside the SFHA	2 of 2
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

Wildfire risk around 3460 Caverns Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% 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	CITY OF MARIANNA serves 8,227 people · EPA ID FL1320449
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 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 40 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

Cell Coverage

5G (outdoors only) and 4G LTE

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