2789 Summer Dr, Chipley, FL 32428 Property Records

Washington County property record for 2789 Summer Dr, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,324 sqft · built 2021
Lot Size	3.61 acres (157,643 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (May 2026)
Tax Bill	$3,658 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`000031100110`

Property Details

APN / Parcel Number

Primary APN	`000031100110`
Alternative APNs	`00000000-00-3110-0110` `31100110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,324 sqft Living Area
Gross Area	3,044 sqft
1st Floor Area	2,324 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	157,643 sqft (3.61 acres)
Garage Type	Carport
Garage Area	1,704 sqft
Carport	Carport
Carport Area	1,704 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2789 SUMMER DR
City	CHIPLEY
State	FL
Zip	32428-3484
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 9 & 10 SPRING LAKE PLAT BOOK 3 PAGE 251 2.09 AC, ORB 1117 P 601, ORB 1117 P 597
Legal Range	14W
Legal Township	01S
Legal Section	19
Legal Subdivision	SPRING LAKE PLAT BOOK 3
Legal Block	10
Legal Lot Number	9,10
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1009
Census Tract	970302

Owner

Source: Washington County records, as of July 20, 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 Record
Mailing Address	1806 FARM WAY, MIDDLEBURG, FL 32068-6724
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
May 19, 2026	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SOUTH CU
May 15, 2018	Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY
May 1, 2018	Warranty Deed, Transfer CORNERSTONE TITLE INSURANCE AGENCY
Sep 7, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2026 · Amount on Record
Deed Sale	May 19, 2026 · Amount on Record
Prior Sale	May 15, 2018 · Amount on Record
Deed Document Number	20263800
Deed Book / Page	1371 / 527
Prior Transfer Date	Apr 26, 2018
Prior Transfer Doc	0067003280
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	May 19, 2026
Property Address	2789 SUMMER DR, CHIPLEY, FL 32428-3484
Document Number	0000003800
Book / Page	1371 / 527
Instrument Date	May 15, 2026
Instrument	20263800
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	US PATRIOT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$494,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1806 FARM WAY, MIDDLEBURG, FL 32068-6724

Mortgage

Document Number	0000003801,
Date	May 19, 2026
Instrument	20263801

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	May 19, 2026
Property Address	2789 SUMMER DR, CHIPLEY, FL 32428-3484
Document Number	0067003800
Book / Page	1371 / 527
Instrument Date	May 15, 2026
Instrument	20263800
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	PATRIOT TITLE, US PATRIOT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$494,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1806 FARM WAY, MIDDLEBURG, FL 32068-6724

Mortgage

Document Number	0000003801,
Date	May 19, 2026
Instrument	20263801

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	2789 SUMMER DR, CHIPLEY, FL 32428-3484
Transaction Type	Mortgage
Record Updated	Dec 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067007081
Date	Oct 23, 2020
Book Page	1189/141
Instrument	202067007081

Lender

Name	COMMUNITY SOUTH CU
Type	Credit Union
Address	CHIPLEY, FL 32428

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Nov 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	May 15, 2018
Property Address	2789 SUMMER DR, CHIPLEY, FL 32428-3484
Document Number	0067003277
Book / Page	001117 / 000597
Instrument Date	May 10, 2018
Instrument	67003277
Transaction Type	Transfer
Record Updated	May 30, 2018
Title Company	CORNERSTONE TITLE INSURANCE AGENCY

Transaction

Amount	Amount Recorded
Tax	$287.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13536 WOODREST BLVD SOUTHPORT FL 32409, SOUTHPORT, FL 32409

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	May 1, 2018
Property Address	2789 SUMMER DR, CHIPLEY, FL 32428-3484
Document Number	0067002998
Book / Page	001116 / 000689
Instrument Date	Apr 26, 2018
Instrument	67002998
Transaction Type	Transfer
Record Updated	May 24, 2018
Title Company	CORNERSTONE TITLE INSURANCE AGENCY

Transaction

Amount	Amount Recorded
Tax	$210.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13536 WOODREST BLVD SOUTHPORT FL 32409, SOUTHPORT, FL 32409

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	Sep 7, 2017
Property Address	2789 SUMMER DR, CHIPLEY, FL 32428-3484
Document Number	0067006209
Book / Page	001099 / 000035
Instrument Date	Sep 6, 2017
Instrument	67006209
Transaction Type	Transfer
Record Updated	Sep 21, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1311 WYOMING AVE LYNN HAVEN FL 324442847, LYNN HAVEN, FL 32444-2847

Tax Assessment & Valuation

Source: Washington County assessment roll, as of December 3, 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	$3,658.00 (+6.31%)	$304,946 (+2.9%)	$367,771 (+14.49%) Land $41,400 Building $326,371
2024	$3,441.00 (+2.02%) Homeowner's exemption	$296,352 (+3%)	$321,229 (+7.25%) Land $41,400 Building $279,829
2023	$3,373.00 (+2.68%) Homeowner's exemption	$287,720 (+3%)	$299,514 (+7.22%) Land $41,400 Building $258,114
2022	$3,285.00 Homeowner's exemption	$279,340 Land $41,400 Building $237,940	$279,340 Land $41,400 Building $237,940

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	9 (1994–2021)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Apr 2021 · rainfall accumulation
Claims by Event	Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 2 claims Severe Storms And Flooding (tropical Storm Alberto), Jul 1994 · 4 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	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	NORTHWEST FLORIDA RECEPTION CENTER state or territorial government · serves 2,500 people · EPA ID FL1670733
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	3 ppb (2025) action level 15 ppb
Copper	1.9 mg/L (2018) action level 1.3 mg/L

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids not recorded as resolved · Jul 2024 Total trihalomethanes not recorded as resolved · Jan 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 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: Xfinity.

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