3430 Cardinal Pl, Chipley, FL 32428 Property Records

Washington County property record for 3430 Cardinal Pl, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 864 sqft · built 2018
Lot Size	8.26 acres (359,805 sqft)
Owner	2 Individual Names on File
Last Sale	$29,000 (Jun 2016)
Tax Bill	$3,347 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000041510147`

Property Details

APN / Parcel Number

Primary APN	`000041510147`
Alternative APNs	`00000000-00-4151-0147` `41510147`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	2,160 sqft
1st Floor Area	864 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	359,805 sqft (8.26 acres)
Garage Type	Carport
Garage Area	2,880 sqft
Carport	Carport
Carport Area	2,880 sqft
Porch	Open/Unfinished Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Street Address	3430 CARDINAL PL
City	CHIPLEY
State	FL
Zip	32428-5636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT B-147 & B-148, LEISURES LAKE 1ST ADDITION REC PLAT, ORB 1348 P 611.
Legal Range	15W
Legal Township	01S
Legal Section	14
Legal Subdivision	LEISURES LAKE 1ST ADDITION
Legal Block	47
Legal Lot Number	B-147
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1024
Census Tract	970302

Owner

3430 Cardinal Pl is owned by two individuals who acquired it in August 2024.

Source: Washington County records, as of December 16, 2025

Owner of Record	2 Individual Names on File
Mailing Address	121 MARLIN CIR, PANAMA CITY, FL 32408-7213
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 25, 2025	Quit Claim Deed, Transfer Quitclaim
Aug 21, 2024	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2016 · Amount on File
Deed Sale	Jun 3, 2016 · Amount on File
Deed Document Number	201667003297
Deed Book / Page	1058 / 242
Last Transfer Date	Aug 16, 2024
Transfer Doc	0067006209
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	3430 CARDINAL PL, CHIPLEY, FL 32428-5636
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 MARLIN CIR, PANAMA CITY, FL 32408-7213

Mortgage

Document Number	0067008345
Date	Nov 19, 2025
Book Page	1354/306
Instrument	202567008345

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	217 Months
Due	Dec 1, 2043

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	Sep 25, 2025
Property Address	3430 CARDINAL PL, CHIPLEY, FL 32428-5636
Document Number	0067006791
Book / Page	1348 / 611
Map Reference	MB 3 PG 179
Instrument Date	Aug 21, 2025
Instrument	202567006791
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3430 CARDINAL PL, CHIPLEY, FL 32428-5636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 MARLIN CIR # 27784, 27784, PANAMA CITY, FL 32408-7213

August 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	Aug 21, 2024
Property Address	3430 CARDINAL PL, CHIPLEY, FL 32428-5636
Document Number	0067006209
Book / Page	1313 / 619
Map Reference	MB 3 PG 179
Instrument Date	Aug 16, 2024
Instrument	202467006209
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	121 MARLIN CIR, PANAMA CITY, FL 32408-7213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3430 CARDINAL PL, CHIPLEY, FL 32428-5636

Tax Assessment & Valuation

The 2025 property tax bill for 3430 Cardinal Pl was $3,347, up 33.9% from the year before.

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	$3,347.00 (+33.88%)	$241,663 (+9.42%) Land $109,032 Building $132,631	$241,663 (+9.42%) Land $109,032 Building $132,631
2024	$2,500.00 (+18.82%)	$220,854 (+21.64%) Land $107,380 Building $113,474	$220,854 (+21.64%) Land $107,380 Building $113,474
2023	$2,104.00 (+12.88%)	$181,567 (+18.98%) Land $90,860 Building $90,707	$181,567 (+18.98%) Land $90,860 Building $90,707
2022	$1,864.00	$152,608 Land $70,210 Building $82,398	$152,608 Land $70,210 Building $82,398

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3430 Cardinal Pl 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3430 Cardinal Pl is moderate, ranking above 55% 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 55% of the US · lower than 73% 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.

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 41 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

Cell Coverage

5G and 4G LTE (outdoors only)

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