522 McDuff Dr, Alford, FL 32420 Property Records

Jackson County property record for 522 McDuff Dr, Alford, FL 32420

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,920 sqft · built 2022
Lot Size	1.84 acres (80,194 sqft)
Owner	Individual Name on File
Last Sale	$58,000 (Apr 2018)
Tax Bill	$1,846 (2025)
Deeds & Mortgages	May 2021 Construction Loan Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-2N-11-0200-00C0-0031`

Property Details

APN / Parcel Number

Primary APN	`05-2N-11-0200-00C0-0031`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,920 sqft Heated Area
Gross Area	2,064 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	80,194 sqft (1.84 acres)
Lot Dimensions	469 ft deep x 171 ft wide
Deck Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	522 MCDUFF DR
City	ALFORD
State	FL
Zip	32420-6100
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	S1/2 OF LOT 3 BLK C THE HIGHLANDS OF COMPASS LAKE UNIT 1...OR 596 P 291,293 OR 902 P 740 ALSO: A PRCL OF LAND BOUND BY THE EX
Legal Range	11W
Legal Township	02N
Legal Section	05
Legal Subdivision	THE HIGHLANDS OF COMPASS LAKE
Legal Block	C
Legal Lot Number	3
Legal Unit	1
Jurisdiction	JACKSON FL
Township / Civil Division	ALFORD
Census Block Group	3
Census Block	3120
Census Tract	211100

Owner

522 McDuff Dr, a mobile home, is owned and occupied by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	522 MCDUFF DR, ALFORD, FL 32420-6100
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

Date	Document
May 13, 2021	Deed of Trust, Mortgage · Construction Mortgage SOUTHWEST STAGE FUNDING LLC
Apr 4, 2018	Warranty Deed, Transfer · ARM COMMUNITY SOUTH CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2018 · Amount on File
Deed Sale	Apr 4, 2018 · Amount on File
Prior Sale	Nov 4, 2003 · Amount on File
Deed Document Number	201832004112
Deed Book / Page	1567 / 0056
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON FL
Property Address	522 MCDUFF DR, ALFORD, FL 32420-6100
Transaction Type	Mortgage
Record Updated	Feb 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 MCDUFF DR, ALFORD, FL 32420-6100

Mortgage

Document Number	0016970045
Date	May 13, 2021
Book Page	1697/45
Instrument	202132005924

Lender

Name	SOUTHWEST STAGE FUNDING LLC
Type	Mortgage Company
Address	CHANDLER, AZ 85286

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	366 Months
Due	Nov 1, 2051

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON FL
Recording Date	Apr 4, 2018
Property Address	522 MCDUFF DR, ALFORD, FL 32420-6100
Document Number	0015670056
Book / Page	1567 / 0056
Map Reference	MB A-4 PG151-A
Instrument Date	Apr 2, 2018
Instrument	201832004112
Transaction Type	Transfer
Record Updated	May 9, 2022
Title Company	MTI TITLE INSURANCE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1800 NEW HAMPSHIRE AVE, 1800, LYNN HAVEN, FL 32444-4120

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9778 NW ETHEL TAYLOR RD, CLARKSVILLE, FL 32430-2660

Mortgage

Document Number	201832004113
Date	Apr 4, 2018
Instrument	201832004113

Lender

Name	COMMUNITY SOUTH CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	300 Months
Due	Apr 1, 2043

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Apr 1, 2021
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

Tax Assessment & Valuation

The 2025 property tax bill for 522 McDuff Dr was $1,846 with a homeowner's exemption, up 3.2% from the year before.

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	$1,846.00 (+3.19%) Homeowner's exemption	$178,855 (+2.9%)	$203,433 (-0.81%) Land $37,620 Building $165,813
2024	$1,789.00 (+5.92%) Homeowner's exemption	$173,814 (+3%)	$205,096 (+7.59%) Land $37,620 Building $167,476
2023	$1,689.00 (+434.49%)	$168,751 (+412.66%)	$190,621 (+479.1%) Land $37,620 Building $153,001
2022	$316.00	$32,917 Land $32,917	$32,917 Land $32,917

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

Flood

FEMA maps place 522 McDuff Dr 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 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (2018–2024)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Michael, Oct 2018 · 2 claims

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 522 McDuff Dr is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3
CenturyLink DSL	10 / 1

May also be available: AT&T, Wildstar Networks.

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