3184 Willow St, Cottondale, FL 32431

Expansive & Affordable Home in Cottondale – Great Value!

Discover this large and affordable single-family home at 3184 Willow St, Cottondale, FL 32431. Built in 1950, this spacious residence offers 3 bedrooms, 2 bathrooms, and a substantial 1,963 sqft of living space on a generous 2.25-acre corner lot!

Priced at an incredible $115,000, with an estimated refinance payment of just $658/month, this property presents an exceptional opportunity. The Cottondale real estate market (32431 zip code) is currently a Buyer’s Housing Market, meaning there’s more inventory and potential for negotiation. While the median home value in 32431 was around $180,000 in April 2025, and the median sold price for 3-bedroom homes in Cottondale was $230,000, this property’s price of $115,000 is significantly below the median for comparable homes, indicating an outstanding value.

This home needs some work but offers a solid foundation and incredible potential. It features central cooling, a heat pump for heating, and linoleum/vinyl flooring. Public records show a sale in 2019 for $28,000, and an assessment value of $54,566 in 2023, suggesting significant room for equity growth.

Cottondale, FL, offers a quiet, rural-suburban feel where most residents own their homes. It’s a great place for families, with highly-rated public schools, including Cottondale Elementary and Cottondale High School. The community has a median household income of around $41,518 and boasts a comfortable median property value.

This is a rare opportunity for a savvy investor or a homeowner looking to build sweat equity in a large home on a substantial lot at an unbeatable price point. Don’t miss out – schedule your showing today!