1473 Gainer Rd, Chipley, FL 32428 Property Records

Washington County property record for 1473 Gainer Rd, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,894 sqft · built 2003
Lot Size	10.2 acres (444,748 sqft)
Owner	Individual Name on Record
Last Sale	$510,000 (Aug 2022)
Tax Bill	$2,600 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`000024530002`

Property Details

APN / Parcel Number

Primary APN	`000024530002`
Alternative APN	`24530002`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,894 sqft Heated Area
Gross Area	4,282 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2012
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	444,748 sqft (10.2 acres)
Garage Type	Finished
Garage Area	648 sqft
Porch	Finished/Screened Porch
Porch Area	740 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000024530002
Street Address	1473 GAINER RD
City	CHIPLEY
State	FL
Zip	32428-6003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28 4 13 10.21 ORB 1250 P 850 BG AT NWC OF SW4 OF NW4, RUN E 660.01', S 674.78', W 660', N 673.51' TO POB AS DESC IN ORB 1250
Legal Range	13W
Legal Township	04N
Legal Section	28
Legal Block	2453
Legal Lot Number	0002
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	1
Census Block	1032
Census Tract	970102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1473 GAINER RD, CHIPLEY, FL 32428-6003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
Oct 28, 2020	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Aug 15, 2022	Warranty Deed, Transfer FLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TR CO
Sep 15, 2017	Warranty Deed, Transfer · VA Mortgage FIRST FSB/FL
Sep 12, 2017	Deed of Trust, Mortgage · VA Mortgage FIRST FSB/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2022 · Amount on Record
Deed Sale	Aug 15, 2022 · Amount on Record
Prior Sale	Sep 15, 2017 · Amount on Record
Deed Document Number	202267006987
Deed Book / Page	1250 / 850
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	1473 GAINER RD, CHIPLEY, FL 32428-6003
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1473 GAINER RD, CHIPLEY, FL 32428-6003

Mortgage

Document Number	0067008265
Date	Nov 1, 2021
Book Page	1222/580
Instrument	202167008265

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	1473 GAINER RD, CHIPLEY, FL 32428-6003
Transaction Type	Mortgage
Record Updated	Sep 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1473 GAINER RD, CHIPLEY, FL 32428-6003

Mortgage

Document Number	0067007192
Date	Oct 28, 2020
Book Page	1189/643
Instrument	202067007192

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Aug 15, 2022
Property Address	1473 GAINER RD, CHIPLEY, FL 32428-6003
Document Number	0067006987
Book / Page	1250 / 850
Instrument Date	Aug 12, 2022
Instrument	202267006987
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	FLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TR CO

Transaction

Amount	Amount Recorded
Tax	$3,570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12940 PARK WAY, PANAMA CITY, FL 32404-2824

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1473 GAINER RD, CHIPLEY, FL 32428-6003

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Sep 15, 2017
Property Address	1473 GAINER RD, CHIPLEY, FL 32428-6003
Document Number	0067006350
Book / Page	001099 / 000442
Instrument Date	Sep 12, 2017
Instrument	67006350
Transaction Type	Transfer
Record Updated	Sep 27, 2017
Title Company	FLORIDA LAND TITLE AND TRUST COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,429.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1069 COUNTY ROAD 665 CHANCELLOR AL 363167225, CHANCELLOR, AL 36316-7225

Mortgage

Document Number	67006351
Date	Sep 15, 2017
Book Page	001099/000443
Instrument	67006351

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2047

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	1473 GAINER RD, CHIPLEY, FL 32428-6003
Document Number	0067006708
Instrument Date	Sep 12, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2018
Title Company	FLORIDA LAND TITLE AND TRUST COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1473 GAINER RD CHIPLEY FL 324286003, CHIPLEY, FL 32428-6003

Mortgage

Document Number	0067006708
Date	Sep 28, 2018
Book Page	001128/000545
Instrument	67006708

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2048

Tax Assessment & Valuation

Source: Washington County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Washington County
Unified School District	Washington County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,600.00 (+6.47%) Homeowner's exemption	$228,607 (+2.9%)	$510,404 (+4.89%) Land $62,281 Building $448,123
2024	$2,442.00 (+2.22%) Homeowner's exemption	$222,164 (+3%)	$486,620 (+9.89%) Land $55,134 Building $431,486
2023	$2,389.00 (-20.79%) Homeowner's exemption	$215,693 (-18.7%)	$442,810 (+19.12%) Land $55,134 Building $387,676
2022	$3,016.00 Homeowner's exemption	$265,297	$371,736 Land $53,092 Building $318,644

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 4, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (1994–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

1473 Gainer Rd, Chipley, FL 32428 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Gainer Rd

Nearby Streets

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