3909 Peanut Rd, Cottondale, FL 32431 Property Records

Jackson County property record for 3909 Peanut Rd, Cottondale, FL 32431

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,198 sqft · built 2017
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,465 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-5N-12-0000-0050-0060`

Property Details

APN / Parcel Number

Primary APN	`10-5N-12-0000-0050-0060`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,198 sqft Heated Area
Gross Area	3,962 sqft
Upper Floors Area	336 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Porch	Open Porch
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3909 PEANUT RD
City	COTTONDALE
State	FL
Zip	32431-6823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 1416 P 959 COMM AT NWC OF SECT, RUN E ALONG N LINE OF NW1/4 OF SECT 1822.7 FT TO INTERS OF SAID N LINE WITH C/L OF PEANUT
Legal Range	12W
Legal Township	05N
Legal Section	10
Jurisdiction	JACKSON FL
Township / Civil Division	COTTONDALE
Census Block Group	1
Census Block	1026
Census Tract	210400

Owner

Source: Jackson County records, as of December 22, 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	3909 PEANUT RD, COTTONDALE, FL 32431-6823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2025	Deed of Trust, Mortgage · Line of Credit FIRST COMMERCE CU
Jul 22, 2019	Deed of Trust, Mortgage FIRST CMRC CU
May 20, 2016	Loan Modification, Mortgage PEOPLESSOUTH BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2014
Deed Sale	Mar 18, 2014
Deed Document Number	201432002724
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	3909 PEANUT RD, COTTONDALE, FL 32431-6823
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 PEANUT RD, COTTONDALE, FL 32431-6823

Mortgage

Document Number	0018850902
Date	Aug 1, 2025
Book Page	1885/902
Instrument	202532008690

Lender

Name	FIRST COMMERCE CU
Type	Credit Union
Address	TALLAHASSEE, FL 32314

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 29, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	3909 PEANUT RD, COTTONDALE, FL 32431-6823
Document Number	0016180445
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 PEANUT RD COTTONDALE FL 324316823, COTTONDALE, FL 32431-6823

Mortgage

Document Number	0016180445
Date	Jul 26, 2019
Book Page	001618/000445
Instrument	32009068

Lender

Name	FIRST CMRC CU
Type	Credit Union
Address	TALLAHASSEE, FL 32317

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2049

May 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JACKSON FL
Property Address	3909 PEANUT RD, COTTONDALE, FL 32431-6823
Document Number	0015420839
Book / Page	001542 / 000839
Instrument Date	May 20, 2016
Transaction Type	Mortgage
Record Updated	Sep 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015420839
Date	Aug 25, 2017
Book Page	001542/000839
Instrument	32009443

Lender

Name	PEOPLESSOUTH BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Aug 24, 2022

Tax Assessment & Valuation

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	$3,465.00 (+22.48%) Homeowner's exemption	$300,286 (+15.46%)	$412,472 (+8.91%) Land $12,750 Building $399,722
2023	$2,829.00 Homeowner's exemption	$260,074	$378,727 Land $12,750 Building $365,977

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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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 10 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 (outdoors only) and 4G LTE

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