2233 Gemini Cir, Chipley, FL 32428 Property Records

Washington County property record for 2233 Gemini Cir, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,811 sqft · built 2007
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$299,900 (Oct 2021)
Tax Bill	$2,655 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-0012-0007`

Property Details

APN / Parcel Number

Primary APN	`01-0012-0007`
Alternative APN	`000100120007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,811 sqft Heated Area
Gross Area	2,687 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2012
Exterior Material	Combination
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	588 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	118 sqft
Patio Area	170 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000100120007
Street Address	2233 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 7 ORB 1221 P 929 BLK 0012
Legal Range	14W
Legal Township	02N
Legal Section	26
Legal Subdivision	SUNNY HILLS
Legal Block	12
Legal Lot Number	7
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2233 GEMINI CIR, CHIPLEY, FL 32428-8034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 19, 2019	Deed of Trust, Mortgage · VA Mortgage CAPITAL BANK NA
May 14, 2020	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2021 · Amount on Record
Deed Sale	Oct 27, 2021 · Amount on Record
Prior Sale	Feb 27, 2008 · Amount on Record
Deed Document Number	202167007999
Deed Book / Page	1221 / 929
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Oct 27, 2021
Property Address	2233 GEMINI CIR, CHIPLEY, FL 32428-8034
Document Number	0067007999
Book / Page	1221 / 929
Map Reference	MB 2 PG 9-27
Instrument Date	Oct 26, 2021
Instrument	202167007999
Transaction Type	Transfer
Record Updated	Nov 11, 2021
Title Company	PANHANDLE TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,099.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 109, PANAMA CITY, FL 32402-0109

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4091 WAYCROSS PL, CHIPLEY, FL 32428-3162

Mortgage

Document Number	0000000931
Date	Oct 27, 2021
Instrument	1221/931

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	2233 GEMINI CIR, CHIPLEY, FL 32428-8034
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067007446
Date	Sep 19, 2019
Book Page	1156/0607
Instrument	201967007446

Lender

Name	CAPITAL BANK NA
Type	Bank
Address	ROCKVILLE, MD 20850

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	2233 GEMINI CIR, CHIPLEY, FL 32428-8034
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067003256
Date	May 14, 2020
Book Page	1176/195
Instrument	202067003256

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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	$2,655.00 (+6.54%) Homeowner's exemption	$234,593 (+2.9%)	$269,409 (+2.27%) Land $10,000 Building $259,409
2024	$2,492.00 (+2.34%) Homeowner's exemption	$227,982 (+3%)	$263,435 (+8.76%) Land $7,000 Building $256,435
2023	$2,435.00 (+5.73%) Homeowner's exemption	$221,342 (+5.21%)	$242,227 (+9.49%) Land $5,000 Building $237,227
2022	$2,303.00 Homeowner's exemption	$210,382	$221,240 Land $3,500 Building $217,740

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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