3438 Cardinal Pl, Chipley, FL 32428 Property Records

Washington County property record for 3438 Cardinal Pl, Chipley, FL 32428

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,296 sqft · built 2015
Lot Size	3.66 acres (159,429 sqft)
Owner	2 Individual Names on File
Last Sale	$129,900 (Nov 2019)
Tax Bill	$477 (2025)
Deeds & Mortgages	Sep 2026 Sale Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000041510151`

Property Details

APN / Parcel Number

Primary APN	`000041510151`
Alternative APNs	`00000000-00-4151-0151` `41510151`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	1,516 sqft
1st Floor Area	1,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2018
Architectural Style	Mobile Home
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	159,429 sqft (3.66 acres)
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3438 CARDINAL PL
City	CHIPLEY
State	FL
Zip	32428-5636
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT B-151 LEISURE LAKES 1ST ADDITION REC PLAT, ORB 1161 P 62
Legal Range	15W
Legal Township	01S
Legal Section	14
Legal Subdivision	LEISURE LAKES 1ST ADDITION
Legal Block	51
Legal Lot Number	B-151
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1024
Census Tract	970302

Owner

3438 Cardinal Pl, a mobile home, is owned by two individuals who acquired it in September 2026.

Source: Washington County records, as of October 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2706 HIGHWAY 2321, PANAMA CITY, FL 32409-1622
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Nov 12, 2019	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2019 · Amount on File
Deed Sale	Nov 12, 2019 · Amount on File
Prior Sale	Feb 4, 2015 · Amount on File
Deed Document Number	201967008888
Deed Book / Page	1161 / 62
Last Transfer Date	Sep 22, 2026
Transfer Doc	0000007462
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	Sep 22, 2026
Property Address	3438 CARDINAL PL, CHIPLEY, FL 32428-5636
Document Number	0000007462
Book / Page	1384 / 743
Instrument Date	Sep 22, 2026
Instrument	20267462
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	2706 HIGHWAY 2321, PANAMA CITY, FL 32409-1622

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Nov 12, 2019
Property Address	3438 CARDINAL PL, CHIPLEY, FL 32428-5636
Document Number	0067008888
Book / Page	001161 / 000062
Instrument Date	Nov 8, 2019
Instrument	67008888
Transaction Type	Transfer
Record Updated	Nov 22, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$909.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3438 CARDINAL PL CHIPLEY FL 324285636, CHIPLEY, FL 32428-5636

Mortgage

Document Number	67008889
Date	Nov 12, 2019
Book Page	001161/000064
Instrument	67008889

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3438 Cardinal Pl was $477, up 6.5% 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	$477.00 (+6.47%)	$74,637 (+2.9%)	$170,428 (+29.96%) Land $48,312 Building $122,116
2024	$448.00 (-29.45%) Homeowner's exemption	$72,534 (-16.79%)	$131,136 (-2.95%) Land $47,580 Building $83,556
2023	$635.00 (+4.79%) Homeowner's exemption	$87,166 (+3%)	$135,129 (+15.51%) Land $40,260 Building $94,869
2022	$606.00 Homeowner's exemption	$84,627	$116,982 Land $31,110 Building $85,872

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

Flood

FEMA maps place 3438 Cardinal Pl in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1994.

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
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 3438 Cardinal Pl is moderate, ranking above 56% 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 56% of the US · lower than 72% 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 (outdoors only) and 4G LTE

Nearby Properties on Cardinal Pl

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