1503 Gainer Rd, Chipley, FL 32428 Property Records

Washington County property record for 1503 Gainer Rd, Chipley, FL 32428 · Last verified January 2026

Property Summary

Property Type	Residential
Details	3 ba · 5,287 sqft · built 1998
Lot Size	3.2 acres (139,392 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Oct 2024)
Tax Bill	$547 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`000024530001`

Property Details

APN / Parcel Number

Primary APN	`000024530001`
Alternative APN	`24530001`

Interior

Full Baths	3 Baths
Building Area	5,287 sqft Adjusted Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	139,392 sqft (3.2 acres)
Porch	Porch
Porch Area	592 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000024530001
Street Address	1503 GAINER RD
City	CHIPLEY
State	FL
Zip	32428-6005
Property Category	Residential
Property Type	Residential > Specialized > Other
Legal Description	28 4 13 3.2 ORB 1320 P 106 BG AT SWC OF NW4, RUN N 660', E 660', S 660', W 660' TO POB, LESS ORB 957 P 493, LESS ORB 1246 P
Legal Range	13W
Legal Township	04N
Legal Section	28
Legal Block	2453
Legal Lot Number	0001
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	1
Census Block	1032
Census Tract	970102

Owner

Source: Washington County records · APN 000024530001

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	2 Individual Names on File
Mailing Address	1503 GAINER RD, CHIPLEY, FL 32428-6005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

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
Deed Document Number	0001320106
Record Updated	Jun 08, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	1503 GAINER RD, CHIPLEY, FL 32428-6005
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067007967
Date	Nov 05, 2025
Book Page	1353/26
Instrument	202567007967

Lender

Name	INNOVATIONS FINANCIAL CU
Type	Credit Union
Address	PO BOX 15529, PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 05, 2040

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	$547.00 (+11.86%)	$39,512 (+8.81%) Land $27,200 Building $12,312	$39,512 (+8.81%) Land $27,200 Building $12,312
2024	$489.00 (-1.21%)	$36,312 (-) Land $24,000 Building $12,312	$36,312 (-) Land $24,000 Building $12,312
2023	$495.00 (-81.85%)	$36,312 (-84.8%) Land $24,000 Building $12,312	$36,312 (-89.88%) Land $24,000 Building $12,312
2022	$2,728.00	$238,891	$358,795

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Washington County (12133C), updated July 4, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121339701021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (1994–2020)
Most Recent Claim	Sep 2020, rainfall accumulation, Hurricane Sally

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 16% of Florida
Wildfire Likelihood	About 1 in 1,205 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 10 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fixed Wireless	300 / 20
Wildstar Networks	Fixed Wireless	200 / 50
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.