3445 Cardinal Pl, Chipley, FL 32428 Property Records

Washington County property record for 3445 Cardinal Pl, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,379 sqft · built 2023
Lot Size	1.7 acres (74,052 sqft)
Owner	2 Individual Names on Record
Last Sale	$32,900 (Jul 2021)
Tax Bill	$1,436 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jul 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000041510155`

Property Details

APN / Parcel Number

Primary APN	`000041510155`
Alternative APNs	`00000000-00-4151-0155` `41510155`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,379 sqft Living Area
Gross Area	2,237 sqft
1st Floor Area	1,379 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	74,052 sqft (1.7 acres)
Garage Type	Attached
Garage Area	552 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3445 CARDINAL PL
City	CHIPLEY
State	FL
Zip	32428-5637
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT B-155 LEISURE LAKES 1ST ADD REC PLAT, ORB 1213 P 871,
Legal Range	15W
Legal Township	01S
Legal Section	14
Legal Subdivision	LEISURE LAKES 1ST ADD
Legal Block	55
Legal Lot Number	B-155
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1009
Census Tract	970302

Owner

Source: Washington County records, as of March 6, 2026

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	3445 CARDINAL PL, CHIPLEY, FL 32428-5637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jul 29, 2021	Warranty Deed, Transfer DIAMOND TITLE AGENCY INC
Feb 6, 2020	Warranty Deed, Transfer DIAMOND TITLE AGENCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2021 · Amount on Record
Deed Sale	Jul 29, 2021 · Amount on Record
Prior Sale	Feb 6, 2020 · Amount on Record
Deed Document Number	202167005553
Deed Book / Page	1213 / 871
Prior Transfer Date	Mar 24, 2021
Prior Transfer Doc	0067002341
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	3445 CARDINAL PL, CHIPLEY, FL 32428-5637
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3445 CARDINAL PL, CHIPLEY, FL 32428-5637

Mortgage

Document Number	0067008422
Date	Dec 6, 2023
Book Page	1289/395
Instrument	202367008422

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 6, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jul 29, 2021
Property Address	3445 CARDINAL PL, CHIPLEY, FL 32428-5637
Document Number	0067005553
Book / Page	1213 / 871
Map Reference	MB 3 PG 179
Instrument Date	Jul 28, 2021
Instrument	202167005553
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$230.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2834 PARADISE LAKES RD, CHIPLEY, FL 32428-7310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 734, HIGH RIDGE, MO 63049-0734

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Feb 6, 2020
Property Address	3445 CARDINAL PL, CHIPLEY, FL 32428-5637
Document Number	0067001117
Book / Page	001168 / 000996
Instrument Date	Feb 6, 2020
Instrument	67001117
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$154.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	659 MALAGA PL PANAMA CITY BEACH FL 324133907, PANAMA CITY BEACH, FL 32413-3907

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	$1,436.00 (+9.12%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption	$180,206 (+2.9%)	$205,783 (+17.51%) Land $32,300 Building $173,483
2024	$1,316.00 (+240.93%) Homeowner's exemption	$175,127 (+456.24%) Land $27,200 Building $147,927	$175,127 (+456.24%) Land $27,200 Building $147,927
2023	$386.00 (+65.67%)	$31,484 (+85.2%) Land $23,800 Building $7,684	$31,484 (+85.2%) Land $23,800 Building $7,684
2022	$233.00	$17,000 Land $17,000	$17,000 Land $17,000

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
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	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.08% 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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