3476 Gainer Rd, Chipley, FL 32428 Property Records

Washington County property record for 3476 Gainer Rd, Chipley, FL 32428 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2004
Square Footage	2,964 sqft Heated Area
Lot Size	435,600 sqft (10 acres)
Garage	Carport
Occupancy	Owner Occupied
Tax Bill	$2,103.00 (2025)

Owner

Source: Washington County records · APN 000007640003

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	3476 GAINER RD, CHIPLEY, FL 32428-4872
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Last Transfer Date	Apr 12, 2005
Transfer Doc	0005810527
Record Refreshed	Jun 08, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	3476 GAINER RD, CHIPLEY, FL 32428-4872
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067001924
Date	Mar 19, 2025
Book Page	1331/558
Instrument	202567001924

Lender

Name	INNOVATIONS FCU
Type	Credit Union
Address	PO BOX 15529, PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Mar 17, 2032

Tax Assessment & Valuation

Source: Washington County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,103.00 (+3.34%) Homeowner's exemption	$195,170 (+2.87%)	$340,682 (+1.45%)
2024	$2,035.00 (+3.83%) Homeowner's exemption	$189,725 (+2.97%)	$335,805 (+8.55%)
2023	$1,960.00 (+5.83%) Homeowner's exemption	$184,257 (+5.19%)	$309,354 (+16.59%)
2022	$1,852.00 Homeowner's exemption	$175,162	$265,332

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Washington County (12133C), updated July 4, 2011 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 12% of Florida
Wildfire Likelihood	About 1 in 1,205 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`000007640003`
Alternative APN	`07640003`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,964 sqft Heated Area
Gross Area	4,132 sqft Gross Area
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2004
Exterior Material	Combination Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	435,600 sqft (10 acres)
Garage Type	Carport Garage
Carport	Carport
Porch	Open Porch
Porch Area	616 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating

Location & Zoning

Account Number	000007640003
Street Address	3476 GAINER RD
City	CHIPLEY
State	FL
Zip	32428-4872
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	17 3 13 10 OR 328 P 633 W2 OF S2 OF SE4 OF SE4, ORB 581 P 52 7.
Legal Range	13W
Legal Township	03N
Legal Section	17
Legal Block	0764
Legal Lot Number	0003
Jurisdiction	WASHINGTON FL
Minor Civil Division	VERNON
Census Blockgroup	1
Census Block	1129
Census Tract	970303