3249 Crystal Lake Dr, Chipley, FL 32428 Property Records

Washington County property record for 3249 Crystal Lake Dr, Chipley, FL 32428

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 1,056 sqft · built 2021
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Sep 2017)
Tax Bill	$2,826 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`000041650007`

Property Details

APN / Parcel Number

Primary APN	`000041650007`
Alternative APNs	`00000000-00-4165-0007` `41650007`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	1,108 sqft
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Carport
Garage Area	432 sqft
Carport	Carport
Carport Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3249 CRYSTAL LAKE DR
City	CHIPLEY
State	FL
Zip	32428-3429
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	36 1 15 ORB 1328 P 772, LOT 7, RECORDED PLAT OF CRYSTAL LAKE BLK 3,
Legal Range	15W
Legal Township	01S
Legal Section	36
Legal Subdivision	CRYSTAL LAKE
Legal Block	7
Legal Lot Number	7
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1009
Census Tract	970302

Owner

Source: Washington County records, as of December 3, 2025

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	1334 DEERPATH RD, CHIPLEY, FL 32428-5847
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FINANCIAL CU
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SOUTH CU
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SOUTH CU
Sep 14, 2017	Warranty Deed, Transfer · ARM COMMUNITY SOUTH CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2017 · Amount on Record
Deed Sale	Sep 14, 2017 · Amount on Record
Deed Document Number	201767006312
Deed Book / Page	1099 / 321
Last Transfer Date	Feb 19, 2025
Transfer Doc	0067001175
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	3249 CRYSTAL LAKE DR, CHIPLEY, FL 32428-3429
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1334 DEERPATH RD, CHIPLEY, FL 32428-5847

Mortgage

Document Number	0067000383
Date	Jan 18, 2023
Book Page	1262/984
Instrument	202367000383

Lender

Name	INNOVATIONS FINANCIAL CU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 18, 2038

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	3249 CRYSTAL LAKE DR, CHIPLEY, FL 32428-3429
Transaction Type	Mortgage
Record Updated	Feb 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1334 DEERPATH RD, CHIPLEY, FL 32428-5847

Mortgage

Document Number	0067007698
Date	Oct 19, 2021
Book Page	1220/906
Instrument	202167007698

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	8.5%
Max Rate At Change	10.5%
Index	1-Year CMT
Margin	6
Max Rate	14.5%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	3249 CRYSTAL LAKE DR, CHIPLEY, FL 32428-3429
Transaction Type	Mortgage
Record Updated	Feb 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1334 DEERPATH RD, CHIPLEY, FL 32428-5847

Mortgage

Document Number	0067004704
Date	Jun 24, 2021
Book Page	1210/867
Instrument	202167004704

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jun 30, 2022

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Sep 14, 2017
Property Address	3249 CRYSTAL LAKE DR, CHIPLEY, FL 32428-3429
Document Number	0067006312
Book / Page	1099 / 321
Instrument Date	Sep 8, 2017
Instrument	201767006312
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	ATTORNEY

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	PO BOX 255, PANAMA CITY, FL 32402-0255

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1334 DEERPATH RD, CHIPLEY, FL 32428-5847

Mortgage

Document Number	0000000323
Date	Sep 14, 2017
Instrument	1099/323

Lender

Name	COMMUNITY SOUTH CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	300 Months
Due	Sep 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2020
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

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	$2,826.00 (+15.91%)	$220,485 (+16.4%) Land $120,000 Building $100,485	$220,485 (+16.4%) Land $120,000 Building $100,485
2024	$2,438.00 (+7.31%)	$189,414 (+7.02%) Land $120,000 Building $69,414	$189,414 (+7.02%) Land $120,000 Building $69,414
2023	$2,272.00 (+8.86%)	$176,986 (+9.38%) Land $120,000 Building $56,986	$176,986 (+9.38%) Land $120,000 Building $56,986
2022	$2,087.00	$161,808 Land $110,000 Building $51,808	$161,808 Land $110,000 Building $51,808

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	9 (1994–2021)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Apr 2021 · rainfall accumulation
Claims by Event	Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 2 claims Severe Storms And Flooding (tropical Storm Alberto), Jul 1994 · 4 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	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHWEST FLORIDA RECEPTION CENTER state or territorial government · serves 2,500 people · EPA ID FL1670733
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	3 ppb (2025) action level 15 ppb
Copper	1.9 mg/L (2018) action level 1.3 mg/L

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids not recorded as resolved · Jul 2024 Total trihalomethanes not recorded as resolved · Jan 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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