2939 Michael Dr, Chipley, FL 32428 Property Records

Washington County property record for 2939 Michael Dr, Chipley, FL 32428

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 2,280 sqft · built 2002
Lot Size	2 acres (87,120 sqft)
Owner	2 Individuals on Record
Tax Bill	$886 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000009550003`

Property Details

APN / Parcel Number

Primary APN	`000009550003`
Alternative APN	`09550003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,280 sqft Heated Area
Gross Area	4,480 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2008
Architectural Style	Modular
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	87,120 sqft (2 acres)
Garage Type	Carport
Carport	Carport
Porch	Enclosed Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000009550003
Street Address	2939 MICHAEL DR
City	CHIPLEY
State	FL
Zip	32428-5108
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	34 3 13 2 ORB 390 P 512 BG SWC OF E1/2 OF NW1/4, RUN N. 210',E.420',S.210',W.420' TO POB
Legal Range	13W
Legal Township	03N
Legal Section	34
Legal Block	0955
Legal Lot Number	0003
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2033
Census Tract	970303

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	2939 MICHAEL DR, CHIPLEY, FL 32428-5108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA
Sep 20, 2021	Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA
Apr 28, 2009	Loan Modification, Mortgage · FHA Mortgage NATIONAL CTY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2000
Deed Sale	Nov 7, 2000
Deed Document Number	20005923
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	2939 MICHAEL DR, CHIPLEY, FL 32428-5108
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2939 MICHAEL DR, CHIPLEY, FL 32428-5108

Mortgage

Document Number	0067000155
Date	Jan 9, 2023
Book Page	1262/263
Instrument	202367000155

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Mar 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	2939 MICHAEL DR, CHIPLEY, FL 32428-5108
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2939 MICHAEL DR, CHIPLEY, FL 32428-5108

Mortgage

Document Number	0067006865
Date	Sep 20, 2021
Book Page	1218/265
Instrument	202167006865

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	212 Months
Due	May 1, 2039

April 2009: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WASHINGTON FL
Property Address	2939 MICHAEL DR, CHIPLEY, FL 32428-5108
Document Number	0067005154
Instrument Date	Apr 28, 2009
Transaction Type	Mortgage
Record Updated	Aug 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2939 MICHAEL DR CHIPLEY FL 324285108, CHIPLEY, FL 32428-5108

Mortgage

Document Number	0067005154
Date	Jul 27, 2018
Book Page	001123/000630
Instrument	67005154

Lender

Name	NATIONAL CTY MTG
Type	Mortgage Company
Address	MIAMISBURG, OH 45342

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 26, 2038

Interest

Rate	4.5%

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	$886.00 (+7.79%) Homeowner's exemption	$104,810 (+2.9%)	$212,931 (+5.01%) Land $14,800 Building $198,131
2024	$822.00 (+3.4%) Homeowner's exemption	$101,856 (+3%)	$202,769 (+19.86%) Land $13,000 Building $189,769
2023	$795.00 (+4.19%) Homeowner's exemption	$98,889 (+3%)	$169,173 (+9.44%) Land $13,000 Building $156,173
2022	$763.00 Homeowner's exemption	$96,009	$154,576 Land $12,400 Building $142,176

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1990–2018)
Most Recent Claim	Oct 2018 · Hurricane Michael

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 52% of the US · lower than 76% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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