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Single Family ResidenceResidential
$87,702$97 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $15,100 on Oct 4, 2016

2638 RAILROAD ST

COTTONDALE, FL 32431
2
Beds
1
Baths
900 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.81 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$88K
$79K low$96K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$15,100 · Oct 4, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,174 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$65,733 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,869
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$49,864
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$66,771
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$65,733

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.16 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Bungalow
CountyJACKSON
Lot (acres)The size of the land the home sits on, from county records.0.81
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 864 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Cottondale High SchoolB-
Middle · Grades 6–12 · 0.2 mi
E
Cottondale Elementary SchoolC
Elementary · Grades KG–5 · 0.7 mi

District: Jackson County School District

Neighborhood · ZIP 32431These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.136
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.71
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.24

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.1%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.21%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.5,151
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.46 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$50,944
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$64,574
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.59 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

2638 Railroad St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 81% of homes in Cottondale 32431
  • Smaller than 90% of homes in Cottondale 32431
  • Has a smaller lot than 84% of homes in Cottondale 32431

What homes are worth in Cottondale 32431

Each bar is how many homes fall in that price range. The marker is this home.

This home
$40K$531K

This home is worth more than 19% of homes in Cottondale 32431.

How it measures up in Cottondale 32431

The dot is this home. The mark in the middle is the typical home in Cottondale 32431.

Estimated value$87,702
CheaperTypical $160,544Pricier

Pricier than 19% of homes nearby

Price per ft²$97
CheaperTypical $108Pricier

Pricier than 40% of homes nearby

Living area900 ft²
SmallerTypical 1,460 ft²Bigger

Bigger than 10% of homes nearby

Lot size0.81 ac
SmallerTypical 2.26 acBigger

Bigger than 16% of homes nearby

Year built1988
OlderTypical 1987Newer

Newer than 53% of homes nearby

How 2638 Railroad St ranks against every home in each area.
MeasureThis homeCottondale 32431Jackson County
Estimated valuepricier than$87,70219% of homes22% of homes
Price per ft²pricier than$9740% of homes48% of homes
Living areabigger than900 ft²10% of homes10% of homes
Lot sizebigger than0.81 ac16% of homes32% of homes
Year builtnewer than198853% of homes60% of homes

About 2638 Railroad St

How much is 2638 Railroad St, Cottondale, FL worth?

The TopHap Estimate for 2638 Railroad St, Cottondale, FL is $87,702 as of Sep 24, 2026. The likely range is $79,049 to $96,355. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2638 Railroad St, Cottondale, FL last sell?

2638 Railroad St, Cottondale, FL last sold on Oct 4, 2016 for $15,100, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 2638 Railroad St, Cottondale, FL?

2638 Railroad St, Cottondale, FL has 2 bedrooms, 1 bathrooms, 900 square feet of living space and a 0.81-acre lot.

When was 2638 Railroad St, Cottondale, FL built?

2638 Railroad St, Cottondale, FL was built in 1988, making it 38 years old. It is a bungalow home. The building has 1 story.

What schools serve 2638 Railroad St, Cottondale, FL?

2638 Railroad St, Cottondale, FL is assigned to Cottondale High School (middle), rated B-; Cottondale Elementary School (elementary), rated C. All sit in Jackson County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2638 Railroad St, Cottondale, FL compare to other homes in Cottondale 32431?

Among the 1,807 homes in Cottondale 32431, it is worth more than 19% of them ($87,702 against a typical $160,544), its price per square foot is higher than 40% of them ($97 against a typical $108), it is bigger than 10% of them (900 ft² against a typical 1,460 ft²), its lot is bigger than 16% of them (0.81 ac against a typical 2.26 ac) and it is newer than 53% of them (1988 against a typical 1987). Measured against all of Jackson County, it is worth more than 22% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 2638 Railroad St, Cottondale, FL?

The 2025 property tax bill for 2638 Railroad St, Cottondale, FL was $1,174. The county assessed it at $65,733.

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