4500 Cliff Rd, Graceville, FL 32440 Property Records

Jackson County property record for 4500 Cliff Rd, Graceville, FL 32440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,900 sqft · built 2007
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$342,500 (Sep 2021)
Tax Bill	$4,042 (2025)
Deeds & Mortgages	Mar 2023 Re-recorded Document Sep 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-6N-13-0000-0070-0040`

Property Details

APN / Parcel Number

Primary APN	`26-6N-13-0000-0070-0040`
Alternative APN	`13 N 626000000700040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,900 sqft Living Area
Gross Area	3,836 sqft
1st Floor Area	2,900 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	217,800 sqft (5 acres)
Driveway	Concrete Driveway
Driveway Area	288 sqft
Porch	Finished/Open Porch
Pole Barn	864 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4500 CLIFF RD
City	GRACEVILLE
State	FL
Zip	32440-4714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 1068 P 2 BEGIN AT NWC OF SE1/4 OF SECT, RUN E 544.51 FT S 400.01 FT, W PARALLEL TO SE1/4 544.51 FT, N 400.01 FT TO POB... OR 1649 P 534 OR 1711 P 655 OR 1714 P 390 OR 1783 P 362
Legal Range	13W
Legal Township	06N
Legal Section	26
Legal Block	40
Legal Lot Number	70
Jurisdiction	JACKSON FL
Township / Civil Division	GRACEVILLE
Census Block Group	1
Census Block	1067
Census Tract	210301

Owner

Source: Jackson County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4500 CLIFF RD, GRACEVILLE, FL 32440-4714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2023	Re-recorded Document NOT AVAILABLE, OMEGA TITLE FLORIDA LLC
Sep 9, 2021	Warranty Deed, Transfer · VA Mortgage JRDB INC
Aug 20, 2021	Correction Deed NORTHWEST TITLE GROUP LLC
May 1, 2020	Deed of Trust, Mortgage BETTER MTG CORP ISAOA
May 7, 2020	Warranty Deed, Transfer · Conventional with PMI BETTER MTG CORP ISAOA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2021 · Amount on Record
Deed Sale	Sep 9, 2021 · Amount on Record
Prior Sale	May 7, 2020 · Amount on Record
Deed Document Number	202111146
Deed Book / Page	1714 / 390
Last Transfer Date	Mar 13, 2023
Transfer Doc	0017830362
Record Updated	Sep 20, 2026

March 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	JACKSON FL
Recording Date	Mar 13, 2023
Property Address	4500 CLIFF RD, GRACEVILLE, FL 32440-4714
Document Number	0017830362
Book / Page	1783 / 362
Instrument Date	Mar 13, 2023
Instrument	202332002630
Record Updated	Apr 10, 2023
Title Company	NOT AVAILABLE, OMEGA TITLE FLORIDA LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4500 CLIFF RD, GRACEVILLE, FL 32440-4714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 CLIFF RD, GRACEVILLE, FL 32440-4714

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Sep 9, 2021
Property Address	4500 CLIFF RD, GRACEVILLE, FL 32440-4714
Document Number	0017140390
Book / Page	1714 / 390
Instrument Date	Sep 9, 2021
Instrument	202132011146
Transaction Type	Transfer
Record Updated	Oct 11, 2021
Title Company	NOT AVAILABLE, OMEGA TITLE FLORIDA LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,397.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	656 SPRUCE RD, 656, GRACEVILLE, FL 32440-4252

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 CLIFF RD, GRACEVILLE, FL 32440-4714

Mortgage

Document Number	1714392
Date	Sep 9, 2021
Instrument	1714/392

Lender

Name	JRDB INC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

August 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	JACKSON FL
Recording Date	Aug 20, 2021
Property Address	4500 CLIFF RD, GRACEVILLE, FL 32440-4714
Document Number	0017110655
Book / Page	1711 / 655
Instrument Date	Aug 20, 2021
Instrument	202132010375
Record Updated	Sep 9, 2021
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4500 CLIFF RD, 4500, GRACEVILLE, FL 32440-4714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 CLIFF RD, GRACEVILLE, FL 32440-4714

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	4500 CLIFF RD, GRACEVILLE, FL 32440-4714
Document Number	0016490536
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4500 CLIFF RD GRACEVILLE FL 324404714, GRACEVILLE, FL 32440-4714

Mortgage

Document Number	0016490536
Date	May 7, 2020
Book Page	001649/000536
Instrument	32004589

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 6, 2050

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	May 7, 2020
Property Address	4500 CLIFF RD, GRACEVILLE, FL 32440-4714
Document Number	0016490534
Book / Page	001649 / 000534
Instrument Date	May 1, 2020
Instrument	32004588
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4500 CLIFF RD GRACEVILLE FL 324404714, GRACEVILLE, FL 32440-4714

Mortgage

Document Number	16490536
Date	May 7, 2020
Book Page	001649/000536
Instrument	32004589

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2050

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	$4,042.00 (-1.49%) Homeowner's exemption	$343,560 (-0.96%) Land $25,000 Building $318,560	$343,560 (-1.08%) Land $25,000 Building $318,560
2024	$4,103.00 (+5.29%) Homeowner's exemption	$346,892 (+3%)	$347,312 (+3.12%) Land $25,000 Building $322,312
2023	$3,897.00 (+33.96%) Homeowner's exemption	$336,788 (+22.41%) Land $25,000 Building $311,788	$336,788 (+22.41%) Land $25,000 Building $311,788
2022	$2,909.00 Homeowner's exemption	$275,139 Land $22,500 Building $252,639	$275,139 Land $22,500 Building $252,639

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 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 62% of the US · lower than 89% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

4500 Cliff Rd, Graceville, FL 32440 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2023: Re-recorded Document

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2021: Correction Deed

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

May 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Cliff Rd

Nearby Streets

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