1491 Gainer Rd, Chipley, FL 32428 Property Records

Washington County property record for 1491 Gainer Rd, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 ba · 5,524 sqft · built 1998
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Oct 2024)
Tax Bill	$7,120 (2025)
Deeds & Mortgages	Oct 2024 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24530004`

Property Details

APN / Parcel Number

Primary APN	`24530004`

Interior

Full Baths	3 Baths
Building Area	5,524 sqft Heated Area
Gross Area	6,116 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	174,240 sqft (4 acres)
Shed	1 Shed
Shed Area	1,728 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1491 GAINER RD
City	CHIPLEY
State	FL
Zip	32428-6003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28 4 13 4 ORB 1246 P 801 BG SWC OF NW4, N 395.02' FOR POB, N 265.17', E 658.14', S 264.15', W 657.93' TO POB AS DESC IN ORB
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	1
Census Block	1032
Census Tract	970102

Owner

Source: Washington County records · APN 24530004

Assessment roll updated July 1, 2025 · Last verified January 2026

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

Owner of Record	Individual Name on File
Mailing Address	1491 GAINER RD, CHIPLEY, FL 32428-6003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2024	Warranty Deed, Transfer · Conventional Mortgage INNOVATIONS FCU
Jun 30, 2022	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 31, 2024 · Amount on Record
Deed Sale	Oct 31, 2024 · Amount on Record
Prior Sale	Jun 30, 2022 · Amount on Record
Deed Document Number	202467008032
Deed Book / Page	1320 / 106
Record Updated	Jun 08, 2026

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Oct 31, 2024
Property Address	1491 GAINER RD, CHIPLEY, FL 32428-6003
Document Number	0067008032
Book / Page	1320 / 106
Instrument Date	Oct 31, 2024
Instrument	202467008032
Transaction Type	Transfer
Record Updated	Jun 09, 2026
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1407 GAINER RD, CHIPLEY, FL 32428-6003

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1740 FALLING WATERS RD, CHIPLEY, FL 32428-6064

Mortgage

Document Number	0067008033
Date	Oct 31, 2024
Book Page	1320/108
Instrument	202467008033

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	910 NAVY BLVD, PANAMA CITY BEACH, FL 32408

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 01, 2034

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jun 30, 2022
Property Address	1491 GAINER RD, CHIPLEY, FL 32428-6003
Document Number	0067005796
Book / Page	1246 / 801
Instrument Date	Jun 29, 2022
Instrument	202267005796
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,127.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1491 GAINER RD, CHIPLEY, FL 32428-6003

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1491 GAINER RD, CHIPLEY, FL 32428-6003

Mortgage

Document Number	0000000803
Date	Jun 30, 2022
Instrument	1246/803

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

Tax Assessment & Valuation

Source: Washington County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,120.00 (+1.05%) Homeowner's exemption	$554,917 (-0.34%) Land $24,800 Building $530,117	$554,917 (-0.34%) Land $24,800 Building $530,117
2024	$7,046.00 Homeowner's exemption	$556,826 Land $24,800 Building $532,026	$556,826 Land $24,800 Building $532,026

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2011 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Wildstar Networks Fixed Wireless	200 / 50

Based on FCC filings for 10 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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