2982 River Rd, Vernon, FL 32462 Property Records

Washington County property record for 2982 River Rd, Vernon, FL 32462

Property Summary

Property Type	Timberland, Forest, Woodland Vacant Land
Details	3 bd · 2 ba · 1,456 sqft · built 1999
Lot Size	28.7 acres (1,254,092 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Dec 2022)
Tax Bill	$49 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Sep 2018 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`000056220005`

Property Details

APN / Parcel Number

Primary APN	`000056220005`
Alternative APN	`56220005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,456 sqft Heated Area

Exterior

Year Built	Built 1999
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	1,254,092 sqft (28.7 acres)
Porch	Porch
Porch Area	208 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000056220005
Street Address	2982 RIVER RD
City	VERNON
State	FL
Zip	32462-3031
Property Category	Vacant Land
Property Type	Vacant Land > Timberland, Forest, Woodland
Legal Description	20 3 16 28.79 ORB 244 P 1049 BEG. AT NWC OF NW1/4 OF SE1/4, RUN S. 440', E. 365' TO HWY, RUN ON RD. NE TO N. 40 LINE, W. 587'
Legal Range	16W
Legal Township	03N
Legal Section	20
Legal Block	5622
Legal Lot Number	0005
Jurisdiction	WASHINGTON FL
Township / Civil Division	CARYVILLE
Census Block Group	3
Census Block	3109
Census Tract	970200

Owner

2982 River Rd, timberland, forest, woodland vacant land, is owned by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4760 BANTRY WAY, CUMMING, GA 30040-8699
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2022	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY SOUTH CU
Sep 28, 2018	Warranty Deed, Transfer · Conventional Mortgage FIDELITY BANK
Jul 16, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2022 · Amount on File
Deed Sale	Dec 8, 2022 · Amount on File
Prior Sale	Sep 28, 2018 · Amount on File
Deed Document Number	202267009714
Deed Book / Page	1259 / 748
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Dec 8, 2022
Property Address	2982 RIVER RD, VERNON, FL 32462-3031
Document Number	0067009714
Book / Page	1259 / 748
Instrument Date	Dec 8, 2022
Instrument	202267009714
Transaction Type	Transfer
Record Updated	May 21, 2024
Title Company	PANHANDLE LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$805.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4760 BANTRY WAY, CUMMING, GA 30040-8699

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2978 RIVER RD, VERNON, FL 32462-3031

Mortgage

Document Number	0067009715
Date	Dec 8, 2022
Book Page	1259/750
Instrument	202267009715

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	7%
Max Rate At Change	9%
Index	1-Year T-Bill
Margin	5
Max Rate	13%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Sep 28, 2018
Property Address	2982 RIVER RD, VERNON, FL 32462-3031
Document Number	0067006700
Book / Page	001128 / 000476
Instrument Date	Sep 19, 2018
Instrument	67006700
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	PANHANDLE LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5350 DEVONSHIRE WAY CUMMING GA 300407474, CUMMING, GA 30040-7474

Mortgage

Document Number	67006701
Date	Sep 28, 2018
Book Page	001128/000479
Instrument	67006701

Lender

Name	FIDELITY BANK
Type	Bank
Address	FLINT, MI 48501-2026

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2048

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jul 16, 2018
Property Address	2982 RIVER RD, VERNON, FL 32462-3031
Document Number	0067004793
Book / Page	001122 / 000356
Instrument Date	Jul 5, 2018
Instrument	67004793
Transaction Type	Transfer
Record Updated	Jul 24, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4068 BITTERSWEET DR NE ROSWELL GA 300752640, ROSWELL, GA 30075-2640

Tax Assessment & Valuation

The 2025 property tax bill for 2982 River Rd was $49, up 2.1% from the year before.

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
2025	$49.00 (+2.08%)
2024	$48.00
2023	$48.00 (-92.16%)
2022	$612.00

Flood

FEMA maps place 2982 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 4, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	9 in force

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

Wildfire risk around 2982 River Rd is moderate, ranking above 48% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.09% 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, as of December 31, 2025

Cell Coverage

5G and 4G LTE (outdoors only)

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