385 Velma Rd, Cottondale, FL 32431 Property Records

Washington County property record for 385 Velma Rd, Cottondale, FL 32431

Property Summary

Property Type	Manufactured or Modular Home
Details	2 bd · 1 ba · 768 sqft · built 1985
Lot Size	5.67 acres (247,421 sqft)
Owner	Individual Name on File
Tax Bill	$531 (2025)
Deeds & Mortgages	Nov 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`000002620000`

Property Details

APN / Parcel Number

Primary APN	`000002620000`
Alternative APN	`02620000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	768 sqft Heated Area
Gross Area	1,792 sqft
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Architectural Style	Modular
Exterior Material	Metal
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	247,421 sqft (5.67 acres)
Porch	Finished/Screened Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	000002620000
Street Address	385 VELMA RD
City	COTTONDALE
State	FL
Zip	32431-9161
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	29 4 12 5.68 ORB 866 P 527 SW4 OF NW4 LESS BEG 13'W & 16' S OF NEC OF SW4 OF NW4 OF SCT, S 208.71', W 208.71', N 208.71 ', E
Legal Range	12W
Legal Township	04N
Legal Section	29
Legal Block	0262
Legal Lot Number	0000
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2003
Census Tract	970303

Owner

385 Velma Rd, a residential property, is owned and occupied by an individual who acquired it in November 2010.

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

Owner of Record	Individual Name on File
Mailing Address	385 VELMA RD, COTTONDALE, FL 32431-9161
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2010
Deed Sale	Nov 2, 2010
Deed Document Number	201067005768
Record Updated	Jun 8, 2026

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Nov 8, 2017
Property Address	385 VELMA RD, COTTONDALE, FL 32431-9161
Document Number	0067007770
Book / Page	001103 / 000796
Instrument Date	Nov 2, 2017
Instrument	67007770
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	FLORIDA LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$629.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2571 MCKINNON ST COTTONDALE FL 324313011, COTTONDALE, FL 32431-3011

Mortgage

Document Number	67007771
Date	Nov 8, 2017
Book Page	001103/000798
Instrument	67007771

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	MARIANNA, FL 32447-7000

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 385 Velma Rd was $531, up 5.8% from the year before.

Source: Washington County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$531.00 (+5.78%)	$38,407 (+2.9%) Land $22,720 Building $15,687	$38,407 (+2.9%) Land $22,720 Building $15,687
2024	$502.00 (+5.02%)	$37,323 (+6.39%) Land $22,720 Building $14,603	$37,323 (+6.39%) Land $22,720 Building $14,603
2023	$478.00 (+19.8%)	$35,082 (+20.82%) Land $22,720 Building $12,362	$35,082 (+20.82%) Land $22,720 Building $12,362
2022	$399.00	$29,036 Land $22,720 Building $6,316	$29,036 Land $22,720 Building $6,316

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

Flood

FEMA maps place 385 Velma Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 4, 2011 · 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	4 in force
Nearby Flood Claims	3 (1990–2018)
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 385 Velma Rd is moderate, ranking above 40% of the US, with a 0.08% 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	0.08% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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