3237 Lakeshore Dr, Chipley, FL 32428 Property Records

Washington County property record for 3237 Lakeshore Dr, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1989
Lot Size	0.51 acres (22,259 sqft)
Owner	Individual Name on Record
Last Sale	$191,000 (Jul 2022)
Tax Bill	$1,359 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000044140242`

Property Details

APN / Parcel Number

Primary APN	`000044140242`
Alternative APN	`44140242`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,040 sqft Heated Area
Gross Area	1,564 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2015
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,259 sqft (0.51 acres)
Porch	Open Porch
Porch Area	524 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000044140242
Street Address	3237 LAKESHORE DR
City	CHIPLEY
State	FL
Zip	32428-3531
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT B-29 UNREC. SUBDV. AS DESC IN ORB 1249 P 402
Legal Range	15W
Legal Township	02N
Legal Section	26
Legal Subdivision	LUCAS LAKES
Legal Block	29
Legal Lot Number	B-29
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	4
Census Block	4050
Census Tract	970302

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3237 LAKESHORE DR, CHIPLEY, FL 32428-3531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Warranty Deed, Transfer · USDA Mortgage CALIBER HOME LOANS INC
Sep 27, 2018	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2022 · Amount on Record
Deed Sale	Jul 29, 2022 · Amount on Record
Prior Sale	Sep 27, 2018 · Amount on Record
Deed Document Number	202267006551
Deed Book / Page	1249 / 402
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jul 29, 2022
Property Address	3237 LAKESHORE DR, CHIPLEY, FL 32428-3531
Document Number	0067006551
Book / Page	1249 / 402
Instrument Date	Jul 28, 2022
Instrument	202267006551
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,337.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1121 N MAIN ST, CEDAR CITY, UT 84721-4135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3237 LAKESHORE DR, CHIPLEY, FL 32428-3531

Mortgage

Document Number	0000000404
Date	Jul 29, 2022
Instrument	1249/404

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Sep 27, 2018
Property Address	3237 LAKESHORE DR, CHIPLEY, FL 32428-3531
Document Number	0067006629
Book / Page	1128 / 284
Instrument Date	Sep 25, 2018
Instrument	201867006629
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	DEFENDER TITLE AND ESCROW AG

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 REDBIRD ST, 411, LYNN HAVEN, FL 32444-4382

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3237 LAKESHORE DR, CHIPLEY, FL 32428-3531
Investor	Possibly a Property Investor

Mortgage

Document Number	0067006630
Date	Sep 27, 2018
Instrument	201867006630

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

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	$1,359.00 (+7.09%) Homeowner's exemption	$138,998 (+2.9%)	$157,614 (+16.68%) Land $7,000 Building $150,614
2024	$1,269.00 (-24.91%) Homeowner's exemption	$135,081 (+9.06%) Land $7,000 Building $128,081	$135,081 (+9.06%) Land $7,000 Building $128,081
2023	$1,690.00 (+168.25%)	$123,860 (+43.52%) Land $7,000 Building $116,860	$123,860 (+21.54%) Land $7,000 Building $116,860
2022	$630.00 Homeowner's exemption	$86,304	$101,911 Land $5,500 Building $96,411

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% 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 31 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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