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1764 Gainer Rd, Chipley, FL 32428 Property Records

Washington County property record for 1764 Gainer Rd, Chipley, FL 32428

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,138 sqft · built 2012
Lot Size13.7 acres (598,514 sqft)
OwnerIndividual Name on Record
Last Sale$315,000 (Mar 2020)
Tax Bill$4,135 (2025)
Deeds & MortgagesOct 2023 Transfer
Aug 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN000024980007

Property Details

APN / Parcel Number

Primary APN000024980007
Alternative APNs
  • 00000000-00-2498-0007
  • 24980007

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,138 sqft Living Area
Gross Area3,232 sqft
1st Floor Area2,138 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2020
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area598,514 sqft (13.7 acres)
Garage TypeCarport
Garage Area576 sqft
CarportCarport
Carport Area576 sqft
PorchFinished/Open Porch
Porch Area126 sqft
Patio Area392 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1764 GAINER RD
CityCHIPLEY
StateFL
Zip32428-6039
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description32 4 13 13.74 ORB 1171 P 68 BEG NWC OF SE4, S 1331.51 TO SWC OF NW4 OF SE4, E 704.40 T O POB, N 495.81, E 1954.14, S 100, W 1002, S 395.85, W 952.14 TO POB AS DESC IN ORB 1171 P 68, ESMT IN ORB 845 P 213., ORB 1285 P 309
Legal Range13W
Legal Township04S
Legal Section32
Legal Block7
Legal Lot Number7
JurisdictionWASHINGTON FL
Township / Civil DivisionCHIPLEY
Census Block Group1
Census Block1069
Census Tract970102

Owner

Source: Washington County records, as of December 3, 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
Mailing Address610 RADCLIFF AVE, LYNN HAVEN, FL 32444-3037
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 16, 2023Intrafamily Transfer, Transfer
Aug 29, 2019Warranty Deed, Transfer · Conventional with PMI
COMMUNITY S CU
Mar 28, 2017Warranty Deed, Transfer · Conventional Mortgage
MAGNOLIA BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 3, 2020 · Amount on Record
Deed SaleMar 3, 2020 · Amount on Record
Prior SaleMar 28, 2017 · Amount on Record
Deed Document Number202067001795
Deed Book / Page1171 / 68
Last Transfer DateOct 11, 2023
Transfer Doc0067007200
Record UpdatedJun 8, 2026

October 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWASHINGTON FL
Recording DateOct 16, 2023
Property Address1764 GAINER RD, CHIPLEY, FL 32428-6039
Document Number0067007200
Book / Page1285 / 309
Instrument DateOct 12, 2023
Instrument202367007200
Transaction TypeTransfer
Record UpdatedDec 23, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address610 RADCLIFF AVE, LYNN HAVEN, FL 32444-3037

Transferred To (Grantee/Buyer)

NameVerified Name

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWASHINGTON FL
Recording DateAug 29, 2019
Property Address1764 GAINER RD, CHIPLEY, FL 32428-6039
Document Number0067006710
Book / Page001154 / 000725
Instrument DateAug 29, 2019
Instrument67006710
Transaction TypeTransfer
Record UpdatedSep 10, 2019
Title CompanyFLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TRUST CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$294.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1764 GAINER RD CHIPLEY FL 324286039, CHIPLEY, FL 32428-6039

Mortgage

Document Number67006711
DateAug 29, 2019
Book Page001154/000726
Instrument67006711
Lender
NameCOMMUNITY S CU
TypeCredit Union
AddressCHIPLEY, FL 32428
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term300 Months
DueAug 28, 2044
Interest
Rate TypeAdjustable Rate
Rate5.75%

March 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWASHINGTON FL
Recording DateMar 28, 2017
Property Address1764 GAINER RD, CHIPLEY, FL 32428-6039
Document Number0067001782
Book / Page1084 / 980
Instrument DateMar 24, 2017
Instrument201767001782
Transaction TypeTransfer
Record UpdatedDec 27, 2021
Title CompanyFLORIDA LAND TITLE & TR CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1764 GAINER RD, 1764, CHIPLEY, FL 32428-6039

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 24, CHIPLEY, FL 32428-0024

Mortgage

Document Number0000000982
DateMar 28, 2017
Instrument1084/982
Lender
NameMAGNOLIA BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2047

Tax Assessment & Valuation

Source: Washington County assessment roll, as of December 3, 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$4,135.00 (-3.07%)$298,557 (-10.26%) Land $41,220 Building $257,337$298,557 (-10.26%) Land $41,220 Building $257,337
2024$4,266.00 (+8.63%)$332,686 (+10.47%) Land $37,098 Building $295,588$332,686 (+10.47%) Land $37,098 Building $295,588
2023$3,927.00 (+9.11%)$301,149 (+9.73%) Land $37,098 Building $264,051$301,149 (+9.73%) Land $37,098 Building $264,051
2022$3,599.00$274,440 Land $34,350 Building $240,090$274,440 Land $34,350 Building $240,090

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
Nearest Special Flood Hazard AreaZone A, within 500 ft
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 Likelihood0.07% 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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