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2614 North St, Cottondale, FL, 32431

1beds
1baths
636sqft
$98,500
$155price/sqft
$949/moest. monthly cost
$37,960/yrincome needed

About This Home

Tired of the cold winters up North or the crazy hustle and bustle of South Florida? A tiny home in a tiny panhandle town could be just what you need! This adorable Florida cottage in the city limits of Cottondale has 1 bedroom, 1 bathroom, and an extra room that works well as a storage space, pantry, small office, or nursery. You also have a walk in shower in the spacious bathroom with room for storage shelving. The kitchen has stainless steel appliances. A rock driveway leads under the attached carport, and there's an outbuilding in the back that includes storage and a laundry area with a washer and dryer. Heating and air conditioning is via window units/space heaters. Public sewer/water/garbage are the utilities. The backyard is large, fenced, and well kept, with recently trimmed trees. A covered front porch is the perfect place to relax and look at your fenced front yard. The property sits on multiple lots on a corner parcel- possibility of separating the back lot for another parcel (buyer to verify with city if important). The home is concrete block construction on a slab with a metal roof- the perfect style of construction for Florida! It's move-in ready and partially furnished. Located just off Highway 231, it's about a 30-minute drive to Dothan and a little over an hour to Panama City Beach. You are also conveniently located just off of Hwy 90 between Chipley and Marianna.15 minutes to Walmart in either direction and 4 miles to I-10! This home would work well for a starter home, retirement place, rental, or Airbnb. It's a simple, affordable cottage in a quiet Panhandle town--practical, easy to maintain, and easy to live in. There is an active termite Bond on the home through Cross Country & a survey available! Housekeeping and lawn service available! The seller is accepting cash or conventional financing (no USDA, VA, or FHA).

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

3/10
6/10
Cottondale High SchoolGrades 6-120.6 mi

Construction

Condition

  • Year built: 1958

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Block,Concrete

Type & Style

  • Home type: SingleFamily
  • Architectural style: Florida
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range

Bedroom

  • Dimensions: 11 x 10.8

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Storage

Heating & Cooling

  • Heating features: Other,See Remarks
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 636
  • Total interior livable area: 636 sqft

Kitchen

  • Dimensions: 11.1 x 9.5

Living Room

  • Dimensions: 11.2 x 12.2

Other

  • Dimensions: 10.4 x 7.5

Storage Room

  • Dimensions: 7.1 x 4.11

Property

Details

  • Parcel number: 305N11012700E00030
  • Zoning description: City
  • Special condition: Listed As-Is

Features

  • Patio & porch: Covered,Porch
  • Fencing: Fenced

Lot

  • Lot size: 0.25 Acres
  • Features: Paved
  • Lot size dimensions: irregular

Parking

  • Total spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Hurricane
Drought
Heat Wave
Inland Flooding
Strong Wind
Tornado

FEMA Declared Disasters in Jackson County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $498$5,976
Home Insurance *$79$948
Property Taxes $175$2,100
Electricity $197$2,366
Total$949$11,388
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$32,537/yr
40% on housing$28,470/yr
45% on housing$25,306/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.0%
14.0%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: -5.5%
-5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$155This listing

vs Other Active Listings

Avg $/sqft

ZIP 32431$112
Jackson County$130

vs Homes Sold Last Month

Median $/sqft

ZIP 32431
Jackson County$110

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-03-27Price change$109,500
2026-02-11Listed for sale$115,500
2023-10-13Sold$78,000
2023-09-20Pending sale$84,900
2023-08-24Listed for sale$84,900
2023-08-15Contingent$84,900
2023-07-31Listed for sale$84,900
2022-10-19Sold$35,000
2022-10-01Pending sale$49,000
2022-09-07Listed for sale$49,000
1988-10-01Sold$4,500

For Sale by Agent

AgentCasey Owens
BrokerageElite Realty

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