2229 Gemini Cir, Chipley, FL 32428 Property Records

Washington County property record for 2229 Gemini Cir, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,661 sqft · built 2006
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$169,900 (Nov 2018)
Tax Bill	$1,683 (2025)
Deeds & Mortgages	May 2022 Mortgage Oct 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`01-0012-0008`

Property Details

APN / Parcel Number

Primary APN	`01-0012-0008`
Alternative APN	`000100120008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,661 sqft Heated Area
Gross Area	2,436 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2012
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,958 sqft (0.55 acres)
Lot Width	80 ft Width
Garage Type	Finished
Garage Area	552 sqft
Porch	Open Porch
Porch Area	214 sqft
Patio Area	9 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000100120008
Street Address	2229 GEMINI CIR
City	CHIPLEY
State	FL
Zip	32428-8034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNNY HILLS UNIT #1 LOT 8 ORB 1131 P 872 BLK 0012
Legal Range	14W
Legal Township	02N
Legal Section	26
Legal Subdivision	SUNNY HILLS
Legal Block	12
Legal Lot Number	8
Legal Unit	1
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1140
Census Tract	970301

Owner

Source: Washington County records, as of December 22, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2229 GEMINI CIR, CHIPLEY, FL 32428-8034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Oct 25, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
May 27, 2020	Loan Modification, Mortgage · FHA Mortgage MR COOPER
May 27, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 27, 2020	Loan Modification, Mortgage · FHA Mortgage MR COOPER
Nov 28, 2018	Warranty Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD
Aug 7, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 28, 2018 · Amount on Record
Deed Sale	Nov 28, 2018 · Amount on Record
Prior Sale	Aug 7, 2017
Deed Document Number	201867007902
Deed Book / Page	1131 / 872
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	2229 GEMINI CIR, CHIPLEY, FL 32428-8034
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2229 GEMINI CIR, CHIPLEY, FL 32428-8034

Mortgage

Document Number	0067004060
Date	May 4, 2022
Book Page	1240/713
Instrument	202267004060

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	363 Months
Due	Aug 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	2229 GEMINI CIR, CHIPLEY, FL 32428-8034
Transaction Type	Mortgage
Record Updated	Nov 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2229 GEMINI CIR, CHIPLEY, FL 32428-8034

Mortgage

Document Number	0067007893
Date	Oct 25, 2021
Book Page	1221/683
Instrument	202167007893

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WASHINGTON FL
Property Address	2229 GEMINI CIR, CHIPLEY, FL 32428-8034
Document Number	0067004234
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2229 GEMINI CIR CHIPLEY FL 324288034, CHIPLEY, FL 32428-8034

Mortgage

Document Number	0067004234
Date	Jun 26, 2020
Book Page	001179/000497
Instrument	67004234

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	2229 GEMINI CIR, CHIPLEY, FL 32428-8034
Document Number	0067004291
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 8, 2020
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2229 GEMINI CIR CHIPLEY FL 324288034, CHIPLEY, FL 32428-8034

Mortgage

Document Number	0067004291
Date	Jun 30, 2020
Book Page	001179/000716
Instrument	67004291

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2050

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WASHINGTON FL
Property Address	2229 GEMINI CIR, CHIPLEY, FL 32428-8034
Document Number	0067004242
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2229 GEMINI CIR CHIPLEY FL 324288034, CHIPLEY, FL 32428-8034

Mortgage

Document Number	0067004242
Date	Jun 26, 2020
Book Page	001179/000491
Instrument	67004242

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

Interest

Rate	4%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Nov 28, 2018
Property Address	2229 GEMINI CIR, CHIPLEY, FL 32428-8034
Document Number	0067007902
Book / Page	1131 / 872
Map Reference	MB2 PG9-27
Instrument Date	Nov 26, 2018
Instrument	201867007902
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	CORNERSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	288 WALKER DAIRY RD, 288, SMITHS, AL 36877-3241

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2229 GEMINI CIR, CHIPLEY, FL 32428-8034

Mortgage

Document Number	0067007903
Date	Nov 28, 2018
Instrument	201867007903

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON FL
Recording Date	Aug 7, 2017
Property Address	2229 GEMINI CIR, CHIPLEY, FL 32428-8034
Document Number	0067005350
Book / Page	001096 / 000334
Instrument Date	Jul 28, 2017
Instrument	67005350
Transaction Type	Transfer
Record Updated	Aug 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2229 GEMINI CIR CHIPLEY FL 324288034, CHIPLEY, FL 32428-8034

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Washington County
Unified School District	Washington County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,683.00 (+6.86%) Homeowner's exemption	$159,440 (+2.9%)	$250,854 (+2.36%) Land $10,000 Building $240,854
2024	$1,575.00 (+2.54%) Homeowner's exemption	$154,947 (+3%)	$245,079 (+8.83%) Land $7,000 Building $238,079
2023	$1,536.00 (+3.36%) Homeowner's exemption	$150,434 (+3%)	$225,186 (+7.43%) Land $5,000 Building $220,186
2022	$1,486.00 Homeowner's exemption	$146,052	$209,603 Land $3,500 Building $206,103

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	16 (1994–2021)
Claims Outside the SFHA	9 of 16
Most Recent Claim	Nov 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 2 claims

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 Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SUNNY HILLS UTILITY COMPANY public/private · serves 1,458 people · EPA ID FL1670647
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Wildstar Networks Fixed Wireless	200 / 50

May also be available: T-Mobile.

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