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3480 Sapp Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 3480 Sapp Rd, Cottondale, FL 32431

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 2,574 sqft · built 2008
Lot Size1.53 acres (66,647 sqft)
Owner2 Individual Names on File
Last Sale$400,000 (Jun 2025)
Tax Bill$2,024 (2025)
Deeds & MortgagesAug 2022 Line of Credit
Jun 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN23-5N-12-0000-0080-0031

Property Details

APN / Parcel Number

Primary APN23-5N-12-0000-0080-0031
Alternative APN
  • 12 N 523000000800031

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,574 sqft Living Area
Gross Area4,701 sqft
1st Floor Area1,689 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2008
Effective Year BuiltEffective 2008
Architectural StyleBungalow
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area66,647 sqft (1.53 acres)
Garage TypeCarport
Garage Area864 sqft
CarportCarport
Carport Area864 sqft
PorchFinished/Open Porch
Deck Area72 sqft
Pole Barn1,020 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
SewerSeptic
Water SourceCistern

Location & Zoning

Street Address3480 SAPP RD
CityCOTTONDALE
StateFL
Zip32431-6926
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionOR 1144 P 812 COMM AT SWC OF NW1/4 OF SW1/4 OF SECT, RUN N 672 FT TO BEGIN, E 240 FT, N 336 FT TO S BNDY LINE OF HWY #164, W ALONG S RTWY 240 FT, S ALONG LINE 336 FT TO POB... OR 1336 P 292 OR 1429 P 348 OR 1880 P 217
Legal Range12W
Legal Township05N
Legal Section23
Legal Block31
Legal Lot Number80
JurisdictionJACKSON FL
Township / Civil DivisionCOTTONDALE
Census Block Group1
Census Block1041
Census Tract210400

Owner

Source: Jackson County records · APN 23-5N-12-0000-0080-0031

Assessment roll updated December 8, 2025 · Last verified April 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 Address3480 SAPP RD, COTTONDALE, FL 32431-6926
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Aug 24, 2022Deed of Trust, Mortgage · Line of Credit
REGIONS BANK
Jun 14, 2021Deed of Trust, Mortgage · Conventional Mortgage
REGIONS BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 17, 2025 · Amount on Record
Deed SaleJun 17, 2025 · Amount on Record
Prior SaleJul 21, 2014 · Amount on Record
Deed Document Number20257004
Deed Book / Page1880 / 217
Prior Transfer DateDec 14, 2011
Prior Transfer Doc0013360292
Record UpdatedJun 08, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON FL
Property Address3480 SAPP RD, COTTONDALE, FL 32431-6926
Transaction TypeMortgage
Record UpdatedSep 13, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3480 SAPP RD, COTTONDALE, FL 32431-6926

Mortgage

Document Number0017610203
DateAug 24, 2022
Book Page1761/203
Instrument202232010054
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35244
Agreement
TypeLine of Credit
AmountAmount Recorded
Term121 Months
DueSep 01, 2032

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON FL
Property Address3480 SAPP RD, COTTONDALE, FL 32431-6926
Transaction TypeMortgage
Record UpdatedJul 28, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address3480 SAPP RD, COTTONDALE, FL 32431-6926

Mortgage

Document Number0017010860
DateJun 14, 2021
Book Page1701/860
Instrument202132007406
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35244
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$2,024.00 (+4.12%)$192,193 (+3.66%)$299,704 (+4%) Land $13,005 Building $286,699
2024$1,944.00 (+5.82%) Homeowner's exemption$185,409 (+3%)$288,167 (+3.24%) Land $13,005 Building $275,162
2023$1,837.00 (+10.2%) Homeowner's exemption$180,009 (+3%)$279,115 (+22.24%) Land $13,005 Building $266,110
2022$1,667.00 Homeowner's exemption$174,766$228,330 Land $12,240 Building $216,090

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Jackson County (12063C), as of January 15, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120632104001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force

Wildfire

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.05% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
Verizon
Fixed Wireless		25 / 6

Based on FCC filings for 11 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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