Washington County property record for 1759 Gainer Rd, Chipley, FL 32428 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2022 |
| Square Footage | 2,628 sqft Heated Area |
| Lot Size | 440,827 sqft (10.1 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $3,737.00 (2025) |
| Primary APN | 25180012 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,628 sqft Heated Area |
| Gross Area | 3,500 sqft Gross Area |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 440,827 sqft (10.1 acres) |
| Shed | 1 Shed |
| Shed Area | 2,196 sqft Shed |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Street Address | 1759 GAINER RD |
|---|---|
| City | CHIPLEY |
| State | FL |
| Zip | 32428-6040 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 33 4 13 10.12 ORB 1181 P 816 & ORB 1188 P 337 PRCL DESC IN ORB 1188 P 337, AND ESMT IN ORB 1199 P 855. |
| Jurisdiction | WASHINGTON FL |
| Minor Civil Division | CHIPLEY |
| Census Blockgroup | 1 |
| Census Block | 1045 |
| Census Tract | 970102 |
Source: Washington County records · APN 25180012
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1759 GAINER RD, CHIPLEY, FL 32428-6040 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 02, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SOUTH CU |
| Mar 05, 2024 | Deed of Trust, Mortgage · Stand Alone Second Mortgage TYNDALL FCU |
| Jul 21, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage TYNDALL FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 16, 2020 |
| Deed Sale | Oct 16, 2020 |
| Deed Doc Number | 0001188337 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 1759 GAINER RD, CHIPLEY, FL 32428-6040 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0067001508 |
|---|---|
| Date | Mar 02, 2021 |
| Book Page | 1199/857 |
| Instrument | 202167001508 |
| Name | COMMUNITY SOUTH CU |
|---|---|
| Type | Credit Union |
| Address | CHIPLEY, FL 32428 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Apr 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Apr 01, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.5% |
| Index | 1-Year CMT |
| Max Rate | 9.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 1759 GAINER RD, CHIPLEY, FL 32428-6040 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1759 GAINER RD, CHIPLEY, FL 32428-6040 |
| Document Number | 0067001697 |
|---|---|
| Date | Mar 05, 2024 |
| Book Page | 1297/806 |
| Instrument | 202467001697 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32412 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 1759 GAINER RD, CHIPLEY, FL 32428-6040 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1759 GAINER RD, CHIPLEY, FL 32428-6040 |
| Document Number | 0067005157 |
|---|---|
| Date | Jul 21, 2025 |
| Book Page | 1342/895 |
| Instrument | 202567005157 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PO BOX 59760, PANAMA CITY, FL 32412 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 01, 2045 |
Source: Washington County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Washington County |
| Unified School District | Washington County School District (PK - 12) |
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 | $3,737.00 (+6.29%) Homeowner's exemption | $310,659 (+2.88%) | $419,194 (+2.41%) |
| 2024 | $3,516.00 (+1.97%) Homeowner's exemption | $301,959 (+2.98%) | $409,312 (+7.02%) |
| 2023 | $3,448.00 (+2,229.73%) Homeowner's exemption | $293,221 | $382,464 |
| 2022 | $148.00 |
1759 Gainer Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Washington County (12133C), updated July 4, 2011
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 43rd percentile of exposed land nationally · 14th in Florida |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,250 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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