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1726 Gainer Rd, Chipley, FL 32428 Property Records

Washington County property record for 1726 Gainer Rd, Chipley, FL 32428

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,464 sqft · built 2012
Lot Size9.92 acres (432,115 sqft)
OwnerIndividual Name on Record
Last Sale$480,000 (Jun 2020)
Tax Bill$6,461 (2025)
Deeds & MortgagesAug 2021 Mortgage
Jun 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN000024980008

Property Details

APN / Parcel Number

Primary APN000024980008
Alternative APN
  • 24980008

Interior

Bedrooms4 Beds
Full Baths4 Baths
Building Area3,464 sqft Heated Area
Gross Area4,922 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2020
Exterior MaterialFiber Cement Siding
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area432,115 sqft (9.92 acres)
Garage TypeFinished
Garage Area660 sqft
PorchOpen Porch
Porch Area798 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number000024980008
Street Address1726 GAINER RD
CityCHIPLEY
StateFL
Zip32428-6039
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description32 4 13 9.92 ORB 1179 P 638 PRCL DESC IN ORB 1179 P 638
Legal Range13W
Legal Township04N
Legal Section32
JurisdictionWASHINGTON FL
Township / Civil DivisionCHIPLEY
Census Block Group1
Census Block1069
Census Tract970102

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address1726 GAINER RD, CHIPLEY, FL 32428-6039
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 9, 2021Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Jun 29, 2020Warranty Deed, Transfer · VA Mortgage
TYNDALL FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 29, 2020 · Amount on Record
Deed SaleJun 29, 2020 · Amount on Record
Prior SaleJan 13, 2015 · Amount on Record
Deed Document Number202067004275
Deed Book / Page1179 / 638
Record UpdatedJun 8, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWASHINGTON FL
Property Address1726 GAINER RD, CHIPLEY, FL 32428-6039
Transaction TypeMortgage
Record UpdatedDec 23, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address1726 GAINER RD, CHIPLEY, FL 32428-6039

Mortgage

Document Number0067005792
DateAug 9, 2021
Book Page1214/827
Instrument202167005792
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term348 Months
DueAug 1, 2050

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWASHINGTON FL
Recording DateJun 29, 2020
Property Address1726 GAINER RD, CHIPLEY, FL 32428-6039
Document Number0067004275
Book / Page1179 / 638
Instrument DateJun 26, 2020
Instrument202067004275
Transaction TypeTransfer
Record UpdatedDec 27, 2021
Title CompanyFLORIDA LAND TITLE & TR CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$3,360.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1726 GAINER RD, 1726, CHIPLEY, FL 32428-6039

Transferred To (Grantee/Buyer)

NameVerified Name
Address4703 BAYOU BLUFF TRL, LYNN HAVEN, FL 32444-5719

Mortgage

Document Number0000000639
DateJun 29, 2020
Instrument1179/639
Lender
NameTYNDALL FCU
TypeCredit Union
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyWashington County
Unified School DistrictWashington County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,461.00 (-1.07%) Homeowner's exemption$512,342 (-2.25%) Land $60,512 Building $451,830$512,342 (-14.62%) Land $60,512 Building $451,830
2024$6,531.00 (+3.29%) Homeowner's exemption$524,128 (+3%)$600,039 (+10.5%) Land $53,568 Building $546,471
2023$6,323.00 (+2.5%) Homeowner's exemption$508,862 (+3%)$543,044 (+8.97%) Land $53,568 Building $489,476
2022$6,169.00 Homeowner's exemption$494,041$498,325 Land $51,584 Building $446,741

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

Flood

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims2 (1994–2020)
Most Recent ClaimSep 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 RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.08% annual chance
ExposureDirect
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 12 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
Wildstar Networks
Fixed Wireless		200 / 50

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