3228 Gainer Rd, Chipley, FL 32428 Property Records

Washington County property record for 3228 Gainer Rd, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,368 sqft · built 1975
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$154 (2025)
Flood Zone	Zone X (minimal risk)
APN	`000006920003`

Property Details

APN / Parcel Number

Primary APN	`000006920003`
Alternative APNs	`00000000-00-0692-0003` `06920003`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,368 sqft Living Area
Gross Area	1,968 sqft
1st Floor Area	1,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1993
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3228 GAINER RD
City	CHIPLEY
State	FL
Zip	32428-4868
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9 3 13 1 OR 275 P 1661 BEG. 48 W. OF NEC OF SW1/4 OF SW1/4, RUN W. 238, S. TO RD., E. 200.65 TO RD. NE 208 TO POB
Legal Range	13W
Legal Township	03S
Legal Section	09
Legal Block	3
Legal Lot Number	3
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1124
Census Tract	970303

Owner

Source: Washington County records, as of June 11, 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	PO BOX 361, CHIPLEY, FL 32428-0361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

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	$154.00 (+14.07%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$58,949 (+2.9%)	$111,478 (+3.62%) Land $7,400 Building $104,078
2024	$135.00 (+3.05%) Homeowner's exemption	$57,288 (+3%)	$107,583 (+9.18%) Land $6,500 Building $101,083
2023	$131.00 (-12.08%) Homeowner's exemption	$55,619 (+3%)	$98,539 (+31.94%) Land $6,500 Building $92,039
2022	$149.00 Homeowner's exemption	$53,999	$74,685 Land $6,200 Building $68,485

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	8 in force
Nearby Flood Claims	4 (1994–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 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	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 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
Verizon Fixed Wireless	25 / 6
AT&T Fixed Wireless	25 / 3