Washington County property record for 3520 Lodge Dr, Chipley, FL 32428
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,376 sqft · built 2020 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | Individual Name on File |
| Last Sale | $675,000 (Apr 2026) |
| Tax Bill | $6,162 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 000041310001 |
| Primary APN | 000041310001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 3,376 sqft Living Area |
| Gross Area | 4,908 sqft |
| 1st Floor Area | 2,268 sqft |
| Basement Area | 1,108 sqft |
| Finished Basement | 1,108 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 30,056 sqft (0.69 acres) |
| Garage Type | Detached |
| Garage Area | 1,500 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 1,177 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3520 LODGE DR |
|---|---|
| City | CHIPLEY |
| State | FL |
| Zip | 32428-5640 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 1 15 ORB 308 P 243 PARCEL OF LOT 31 CHAIN LAKES LODGE, DESC. IN ORB 308 P 243 ORB 399 P 236, AND PRCL DESC IN ORB 7 65 P 389, ORB 798 P 85 RD MAIN TENANCE AGREEMENT, ORB 272 P 2055, ORB 1341 P 12. |
| Legal Range | 15W |
| Legal Township | 01S |
| Legal Section | 02 |
| Legal Subdivision | CHAIN LAKES LODGE |
| Legal Block | 1 |
| Legal Lot Number | 31 |
| Jurisdiction | WASHINGTON FL |
| Township / Civil Division | VERNON |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 970302 |
3520 Lodge Dr is owned by an individual who bought it in April 2026.
Source: Washington County records, as of May 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5706 HILLTOP AVE, PANAMA CITY, FL 32408-6439 |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 14, 2026 | Warranty Deed, Transfer · Conventional Mortgage LENDSURE MORTGAGE CORPORATION |
| Apr 14, 2026 | Warranty Deed, Transfer · Conventional Mortgage LENDSURE MORTGAGE CORPORATION |
| Jun 30, 2025 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 14, 2026 · Amount on File |
| Deed Sale | Apr 14, 2026 · Amount on File |
| Deed Document Number | 20262768 |
| Deed Book / Page | 1367 / 991 |
| Prior Transfer Date | Feb 18, 2008 |
| Prior Transfer Doc | 0067001210 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | Apr 14, 2026 |
| Property Address | 3520 LODGE DR, CHIPLEY, FL 32428-5640 |
| Document Number | 0067002768 |
| Book / Page | 1367 / 991 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 20262768 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $477,225.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5706 HILLTOP AVE, PANAMA CITY, FL 32408-6439 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002769, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 20262769 |
| Name | LENDSURE MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | May 1, 2066 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | Apr 14, 2026 |
| Property Address | 3520 LODGE DR, CHIPLEY, FL 32428-5640 |
| Document Number | 0000002768 |
| Book / Page | 1367 / 991 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 2026.2768 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $477,225.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5706 HILLTOP AVE, PANAMA CITY, FL 32408-6439 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002769, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 2026..2769 |
| Name | LENDSURE MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | May 1, 2066 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | Jun 30, 2025 |
| Property Address | 3520 LODGE DR, CHIPLEY, FL 32428-5640 |
| Document Number | 0067004628 |
| Book / Page | 1341 / 12 |
| Instrument Date | Jun 23, 2025 |
| Instrument | 202567004628 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 353 MEADOW RIDGE DR, TALLAHASSEE, FL 32312-1554 |
| Name | Verified Name |
|---|---|
| Address | 353 MEADOW RIDGE DR, TALLAHASSEE, FL 32312-1554 |
The 2025 property tax bill for 3520 Lodge Dr was $6,162, up 7.3% from the year before.
Source: Washington County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Washington County |
| Unified School District | Washington County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,162.00 (+7.31%) | $444,957 (-0.28%) Land $13,000 Building $431,957 | $444,957 (-0.28%) Land $13,000 Building $431,957 |
| 2024 | $5,742.00 (+10.42%) | $446,218 (+11.07%) Land $13,000 Building $433,218 | $446,218 (+11.07%) Land $13,000 Building $433,218 |
| 2023 | $5,200.00 (+8.76%) | $401,731 (+9.05%) Land $13,000 Building $388,731 | $401,731 (+9.05%) Land $13,000 Building $388,731 |
| 2022 | $4,781.00 | $368,406 Land $13,000 Building $355,406 | $368,406 Land $13,000 Building $355,406 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3520 Lodge Dr 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 |
|
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 risk around 3520 Lodge Dr is moderate, ranking above 52% 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 52% of the US · lower than 77% 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.
Source: FCC Broadband Data Collection, based on 6 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 |
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