Washington County property record for 1655 Gainer Rd, Chipley, FL 32428
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 8,892 sqft · built 2005 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $30,000 (Apr 1998) |
| Tax Bill | $7,237 (2025) |
| Deeds & Mortgages | May 2022 Second Mortgage Apr 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 000025180008 |
| Primary APN | 000025180008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 8,892 sqft Heated Area |
| Gross Area | 11,112 sqft |
| Basement Area | 3,072 sqft |
| Finished Basement | 3,072 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Combination |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Type | Finished |
| Garage Area | 676 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 000025180008 |
|---|---|
| Street Address | 1655 GAINER RD |
| City | CHIPLEY |
| State | FL |
| Zip | 32428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 33 4 13 10 ORB 311 P 291 SW4 OF NW4 OF NW4 |
| Legal Range | 13W |
| Legal Township | 04N |
| Legal Section | 33 |
| Legal Block | 2518 |
| Legal Lot Number | 0008 |
| Jurisdiction | WASHINGTON FL |
| Township / Civil Division | CHIPLEY |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 970102 |
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 | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | PO BOX 51, CHIPLEY, FL 32428-0051 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY SOUTH CU |
| Apr 13, 2018 | Deed of Trust, Mortgage · Line of Credit COMMUNITY SOURCE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 1998 · Amount on Record |
| Deed Sale | Apr 1, 1998 · Amount on Record |
| Deed Document Number | 0000311291 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 1655 GAINER RD, CHIPLEY, FL 32428 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 51, CHIPLEY, FL 32428-0051 |
| Document Number | 0067004850 |
|---|---|
| Date | May 27, 2022 |
| Book Page | 1243/181 |
| Instrument | 202267004850 |
| Name | COMMUNITY SOUTH CU |
|---|---|
| Type | Credit Union |
| Address | CHIPLEY, FL 32428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 1655 GAINER RD, CHIPLEY, FL 32428 |
| Document Number | 0067002667 |
| Instrument Date | Apr 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1655 GAINER RD CHIPLEY FL 32428, CHIPLEY, FL 32428 |
| Document Number | 0067002667 |
|---|---|
| Date | Apr 18, 2018 |
| Book Page | 001115/000775 |
| Instrument | 67002667 |
| Name | COMMUNITY SOURCE FCU |
|---|---|
| Type | Credit Union |
| Address | CHIPLEY, FL 32428 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 17, 2038 |
| Rate Type | Adjustable Rate |
|---|
Source: Washington County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Washington County |
| Unified School District | Washington County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,237.00 (+4.61%) Homeowner's exemption | $563,340 (+2.9%) | $851,195 (-10.26%) Land $100,000 Building $751,195 |
| 2024 | $6,918.00 (+3.24%) Homeowner's exemption | $547,464 (+3%) | $948,521 (+8.7%) Land $100,000 Building $848,521 |
| 2023 | $6,701.00 (+2.46%) Homeowner's exemption | $531,518 (+3%) | $872,613 (+15.74%) Land $100,000 Building $772,613 |
| 2022 | $6,540.00 Homeowner's exemption | $516,037 | $753,921 Land $80,000 Building $673,921 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
| Verizon Fixed Wireless | 25 / 6 |
| T-Mobile Fixed Wireless | 25 / 3 |
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