3163 River Rd, Vernon, FL 32462 Property Records

Washington County property record for 3163 River Rd, Vernon, FL 32462

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,520 sqft · built 1970
Lot Size	12 acres (522,720 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Jan 2024)
Tax Bill	$2,321 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000056850003`

Property Details

APN / Parcel Number

Primary APN	`000056850003`
Alternative APN	`56850003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,520 sqft Heated Area
Gross Area	2,046 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2021
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	522,720 sqft (12 acres)
Porch	Enclosed Porch
Porch Area	526 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000056850003
Street Address	3163 RIVER RD
City	VERNON
State	FL
Zip	32462-3581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	29 3 16 12 ORB 1294 P 308 SE1/4 OF NW1/4,LYING E. OF HWY 284, LESS N. 3 AC.
Legal Range	16W
Legal Township	03N
Legal Section	29
Legal Block	5685
Legal Lot Number	0003
Jurisdiction	WASHINGTON FL
Township / Civil Division	CARYVILLE
Census Block Group	2
Census Block	2013
Census Tract	970200

Owner

3163 River Rd is owned and occupied by an individual who bought it in January 2024.

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

Owner of Record	Individual Name on File
Mailing Address	3163 RIVER RD, VERNON, FL 32462-3581
Occupancy	Owner Occupied
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
Jan 26, 2024	Warranty Deed, Transfer · Conventional Mortgage DEPARTMENT OF THE INTERIOR FCU
Sep 3, 2021	Warranty Deed, Transfer · Conventional Mortgage CERTAINTY HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2024 · Amount on File
Deed Sale	Jan 26, 2024 · Amount on File
Prior Sale	Sep 3, 2021 · Amount on File
Deed Document Number	202467000580
Deed Book / Page	1294 / 308
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jan 26, 2024
Property Address	3163 RIVER RD, VERNON, FL 32462-3581
Document Number	0067000580
Book / Page	1294 / 308
Instrument Date	Jan 26, 2024
Instrument	202467000580
Transaction Type	Transfer
Record Updated	Feb 22, 2024
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3163 RIVER RD, VERNON, FL 32462-3581

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42913 DICK CREEK LN, KIMBERLY, OR 97848-6282

Mortgage

Document Number	0000000310
Date	Jan 26, 2024
Instrument	1294/310

Lender

Name	DEPARTMENT OF THE INTERIOR FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Sep 3, 2021
Property Address	3163 RIVER RD, VERNON, FL 32462-3581
Document Number	0067006529
Book / Page	1217 / 26
Instrument Date	Sep 3, 2021
Instrument	202167006529
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3163 RIVER RD, 3163, VERNON, FL 32462-3581

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 JACKSONS RUN # B, B, SANTA ROSA BEACH, FL 32459-3190

Mortgage

Document Number	0000000028
Date	Sep 3, 2021
Instrument	1217/28

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3163 River Rd was $2,321 with a homeowner's exemption, down 7% 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	Assessed Value	Assessed Market Value
2025	$2,321.00 (-7.05%) Homeowner's exemption	$208,463 (+12.43%)	$238,400 (+28.58%)
2024	$2,497.00 (+19.13%)	$185,408 (-4.53%) Land $30,000 Building $155,408	$185,408 (-10.55%) Land $30,000 Building $155,408
2023	$2,096.00 (+2.95%) Homeowner's exemption	$194,204 (+3%)	$207,264 (+9.93%) Land $30,000 Building $177,264
2022	$2,036.00 Homeowner's exemption	$188,548 Land $26,400 Building $162,148	$188,548 Land $26,400 Building $162,148

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

Flood

FEMA maps place 3163 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	35 (1994–2016)
Claims Outside the SFHA	1 of 35
Most Recent Claim	Jan 2016 · river or lake flooding
Claims by Event	Hurricane Georges, Oct 1998 · 3 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 6 claims Severe Storms And Flooding (tropical Storm Alberto), Jul 1994 · 17 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

Wildfire risk around 3163 River Rd is moderate, ranking above 52% of the US, with a 0.1% annual chance of 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

Cell Coverage

5G and 4G LTE (outdoors only)

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