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2012 Mill Rd, Cottondale, FL, 32431

3beds
2baths
1,381sqft
$224,900
$163price/sqft
$1,691/moest. monthly cost
$67,640/yrincome needed

About This Home

Escape to this 3BR/2BA country paradise on 1 acre! Features a private split floor plan, 9' ceilings, and elegant lighted tray ceilings in the great room & primary suite. Enjoy a spacious eat-in kitchen with stainless steel appliances. Home comes with solar panels. Outdoors, a massive 48x24 barn that includes two 12' lean-tos offers endless storage for boats, RVs, or equipment. Plenty of room for a garden or pool. Perfect rural tranquility just 10 mins to Marianna & I-10, and 55 mins to Panama City.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

4/10
6/10
Cottondale High SchoolGrades 6-125.6 mi

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Slab
  • Roof: Composition,Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater

Bedroom

  • Level: First
  • Dimensions: 11 x 9.11

Bedroom

  • Level: First
  • Dimensions: 14.11 x 10.2

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Main Level Primary,Tub Shower,Walk-In Closet(s)

Garage

  • Level: First
  • Dimensions: 24.9 x 20

Great Room

  • Level: First
  • Dimensions: 22 x 16.3

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,381
  • Total interior livable area: 1,381 sqft

Kitchen

  • Level: First
  • Dimensions: 15.6 x 11.1

Master Bathroom

  • Level: First
  • Dimensions: 8.11 x 5.1

Master Bedroom

  • Level: First
  • Dimensions: 17.7 x 11.8

Property

Details

  • Parcel number: 294N11000000300052
  • Zoning description: County
  • Special condition: Listed As-Is

Features

  • Exterior features: Rain Gutters

Lot

  • Lot size: 1 Acres
  • Lot size dimensions: 123 x 410 x 117 x 361

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $1,137$13,644
Home Insurance *$180$2,160
Property Taxes $177$2,124
Electricity $197$2,366
Total$1,691$20,292
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,977/yr
40% on housing$50,730/yr
45% on housing$45,093/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

$163This listing

vs Other Active Listings

Avg $/sqft

ZIP 32431$105
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
2026-08-05Pending sale$224,900
2026-07-04Listed for sale$224,900
2017-06-15Sold$120,000
2017-05-05Pending sale$129,900
2017-03-12Listed for sale$129,900
2011-08-10Sold$50,000
2011-05-14Price change$88,501
2011-04-01Price change$98,334
2011-03-05Price change$109,260
2011-03-03Price change$121,400
2011-02-25Price change$121
2011-01-15Listed for sale$121,400
2007-12-06Sold$135,000

For Sale by Agent

AgentSandra S Ward
BrokerageGrand Palms Realty LLC

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