3425 Spoolmill Rd, Vernon, FL 32462 Property Records

Washington County property record for 3425 Spoolmill Rd, Vernon, FL 32462

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,296 sqft · built 1976
Lot Size	0.892 acres (38,899 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Feb 2019)
Tax Bill	$1,268 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000046800000`

Property Details

APN / Parcel Number

Primary APN	`000046800000`
Alternative APN	`46800000`

Interior

Full Baths	2 Baths
Building Area	1,296 sqft Heated Area
Gross Area	1,572 sqft
Flooring	Ceramic Tile
Interior Walls	Plywood

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2011
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	38,899 sqft (0.892 acres)
Lot Width	100 ft Width
Garage Type	Carport
Carport	Carport
Porch	Open Porch
Porch Area	72 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000046800000
Street Address	3425 SPOOLMILL RD
City	VERNON
State	FL
Zip	32462-2205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	34 3 15 ORB 1136 P 640 BEG NEC OF NE4 OF SE4 OF SECT, S 330', W 200' TO POB, W 100', S 405', E 114', NW 405.24' TO POB AS
Legal Range	15W
Legal Township	03N
Legal Section	34
Legal Block	4680
Legal Lot Number	0000
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	3
Census Block	3006
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	3425 SPOOLMILL RD, VERNON, FL 32462-2205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Intrafamily Transfer, Transfer · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC
Feb 5, 2019	Warranty Deed, Transfer · FHA Mortgage MORTGAGE LENDERS/AMERICA
Jun 29, 2017	Warranty Deed, Transfer · VA Mortgage TYNDALL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2019 · Amount on Record
Deed Sale	Feb 5, 2019 · Amount on Record
Prior Sale	Feb 5, 2019 · Amount on Record
Deed Document Number	0067000829
Deed Book / Page	001136 / 000640
Last Transfer Date	Dec 9, 2020
Transfer Doc	0067008198
Record Updated	Jun 8, 2026

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WASHINGTON FL
Recording Date	Dec 9, 2020
Property Address	3425 SPOOLMILL RD, VERNON, FL 32462-2205
Document Number	0067008198
Book / Page	1192 / 546
Instrument Date	Dec 2, 2020
Instrument	202067008198
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	ORANGE COAST LENDER SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3425 SPOOLMILL RD, VERNON, FL 32462-2205

Mortgage

Document Number	0000000549
Date	Dec 9, 2020
Instrument	1192/549

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Feb 5, 2019
Property Address	3425 SPOOLMILL RD, VERNON, FL 32462-2205
Document Number	0067000829
Book / Page	001136 / 000640
Instrument Date	Jan 31, 2019
Instrument	67000829
Transaction Type	Transfer
Record Updated	Feb 18, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2832 CYNTHIA CT PANAMA CITY FL 324057211, PANAMA CITY, FL 32405-7211

Mortgage

Document Number	67000830
Date	Feb 5, 2019
Book Page	001136/000642
Instrument	67000830

Lender

Name	MORTGAGE LENDERS/AMERICA
Type	Mortgage Company
Address	OVERLAND PARK, KS 66211

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2049

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jun 29, 2017
Property Address	3425 SPOOLMILL RD, VERNON, FL 32462-2205
Document Number	0067004139
Book / Page	1092 / 942
Instrument Date	Jun 22, 2017
Instrument	201767004139
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Amount	Amount Recorded
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	3425 SPOOLMILL RD, 3425, VERNON, FL 32462-2205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12525 ERIN LEA LN, PANAMA CITY BEACH, FL 32407-3226

Mortgage

Document Number	0000000944
Date	Jun 29, 2017
Instrument	1092/944

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: Washington County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Washington County
Municipality	Vernon City
Unified School District	Washington County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,268.00 (+10.17%) Homeowner's exemption	$109,838 (+2.9%)	$188,789 (+11.38%) Land $6,500 Building $182,289
2024	$1,151.00 (+3.14%) Homeowner's exemption	$106,742 (+3%)	$169,504 (+8.82%) Land $6,500 Building $163,004
2023	$1,116.00 (+3.62%) Homeowner's exemption	$103,633 (+3%)	$155,772 (+14.48%) Land $6,500 Building $149,272
2022	$1,077.00 Homeowner's exemption	$100,615	$136,067 Land $3,900 Building $132,167

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
Nearby Flood Policies	8 in force
Nearby Flood Claims	5 (2013–2021)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Aug 2021 · Tropical Storm Fred
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 47% of the US · lower than 82% 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.

Drinking Water

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

Water System	CITY OF VERNON serves 736 people · EPA ID FL1670710
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

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