3545 Veteran Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 3545 Veteran Rd, Cottondale, FL 32431

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,324 sqft · built 2019
Lot Size	7 acres (304,920 sqft)
Owner	2 Individual Names on Record
Deeds & Mortgages	Oct 2020 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-5N-12-0000-0080-0090`

Property Details

APN / Parcel Number

Primary APN	`23-5N-12-0000-0080-0090`
Alternative APN	`12 N 523000000800090`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,324 sqft Living Area
Gross Area	2,681 sqft
1st Floor Area	2,324 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	304,920 sqft (7 acres)
Porch	Finished/Open Porch
Pole Barn	576 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3545 VETERAN RD
City	COTTONDALE
State	FL
Zip	32431-6827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 1412 P 244 BEGIN AT INTERS OF S LINE OF NW1/4 OF NW1/4 OF SECT WITH E/LY RTWY OF SAPP RD, RUN E 345.46 FT TO W/LY RTWY OF VETERANS RD, S 17* E ALONG W/LY RTWY 145.72 FT, S 26* E ALONG W/LY RTWY 171.22 FT, S 38* E ALONG W/LY RTWY 400.78 FT, W 721.0
Legal Range	12W
Legal Township	05N
Legal Section	23
Legal Block	90
Legal Lot Number	80
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	1
Census Block	1038
Census Tract	210400

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	3545 VETERAN RD, COTTONDALE, FL 32431-6827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Deed of Trust, Mortgage THIRD FSLA OF CLEVELAND
Apr 3, 2019	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK
May 21, 2018	Intrafamily Transfer, Transfer · Line of Credit ONESOUTH BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 11, 2018
Transfer Doc	0015710978
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	3545 VETERAN RD, COTTONDALE, FL 32431-6827
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	FIRST SERVICE TTL OF FL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3545 VETERAN RD, COTTONDALE, FL 32431-6827

Mortgage

Document Number	0016680689
Date	Oct 19, 2020
Book Page	1668/689
Instrument	202032010948

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	3545 VETERAN RD, COTTONDALE, FL 32431-6827
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016040916
Date	Apr 3, 2019
Book Page	1604/0916
Instrument	201932004319

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	CAMPBELLSVILLE, KY 42718

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON FL
Recording Date	May 21, 2018
Property Address	3545 VETERAN RD, COTTONDALE, FL 32431-6827
Document Number	0015710978
Book / Page	1571 / 0978
Instrument Date	May 11, 2018
Instrument	201832005984
Transaction Type	Transfer
Record Updated	Jan 24, 2022
Title Company	FLORIDA LAND TITLE & TRUST C

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3559 VETERAN RD, 3559, COTTONDALE, FL 32431-6827

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3345 VETERAN RD, COTTONDALE, FL 32431-6929

Mortgage

Document Number	201832005985
Date	May 21, 2018
Instrument	201832005985

Lender

Name	ONESOUTH BANK
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	May 18, 2019

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	Homeowner's exemption Veteran's exemption	$184,388 (+5.99%)	$328,959 (+6.01%) Land $35,000 Building $293,959
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$173,972	$310,305 Land $35,000 Building $275,305

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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.

Wildfire

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 11 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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