1. Home
  2. Florida
  3. Washington County
  4. Chipley
  5. Gainer Rd

3525 Gainer Rd, Chipley, FL 32428 Property Records

Washington County property record for 3525 Gainer Rd, Chipley, FL 32428 · Last verified April 2026

Property Summary

Property TypeMobile Home
Details2 ba · 1,080 sqft · built 1987
Lot Size5 acres (217,800 sqft)
Owner2 Company Names on File
Last Sale$170,000 (Dec 2019)
Tax Bill$425 (2025)
Deeds & MortgagesJun 2024 Transfer
Dec 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN000008250000

Property Details

APN / Parcel Number

Primary APN000008250000
Alternative APNs
  • 00000000-00-0825-0000
  • 08250000

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,080 sqft Living Area
Gross Area1,272 sqft
1st Floor Area1,080 sqft
FlooringCarpet
Interior WallsPlywood

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1989
Architectural StyleMobile Home
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area217,800 sqft (5 acres)
Garage TypeDetached
Garage Area144 sqft
Patio Area192 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3525 GAINER RD
CityCHIPLEY
StateFL
Zip32428-4875
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Legal Description21 3 13 5 ORB 231 P 1607 N2 OF NW4 LESS 5 AC SQ IN SEC, LESS NW4 OF NW4 OF NW4, LESS ORB 1165 P 623. ORB 1306 P 157 & ESMT IN ORB 1306 P 157.
Legal Range13W
Legal Township03S
Legal Section21
JurisdictionWASHINGTON FL
Township / Civil DivisionVERNON
Census Block Group2
Census Block2014
Census Tract970303

Owner

Source: Washington County records · APN 000008250000

Assessment roll updated December 3, 2025 · Last verified April 2026

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

Owner of Record2 Company Names on File
Mailing Address315 BLACKSHEAR DR, PANAMA CITY, FL 32404-7406
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Jun 06, 2024Intrafamily Transfer, Transfer
Dec 26, 2019Warranty Deed, Transfer · Conventional Mortgage
COMMUNITY SOUTH CU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 26, 2019 · Amount on Record
Deed SaleDec 26, 2019 · Amount on Record
Deed Document Number201967010152
Deed Book / Page1165 / 623
Last Transfer DateJun 05, 2024
Transfer Doc0067004187
Record UpdatedJun 08, 2026

June 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWASHINGTON FL
Recording DateJun 06, 2024
Property Address3525 GAINER RD, CHIPLEY, FL 32428-4875
Document Number0067004187
Book / Page1306 / 157
Instrument DateJun 05, 2024
Instrument202467004187
Transaction TypeTransfer
Record UpdatedDec 23, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address315 BLACKSHEAR DR, PANAMA CITY, FL 32404-7406

Transferred To (Grantee/Buyer)

NameVerified Name
Address315 BLACKSHEAR DR, PANAMA CITY, FL 32404-7406

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWASHINGTON FL
Recording DateDec 26, 2019
Property Address3525 GAINER RD, CHIPLEY, FL 32428-4875
Document Number0067010152
Book / Page1165 / 0623
Instrument DateDec 20, 2019
Instrument201967010152
Transaction TypeTransfer
Record UpdatedDec 27, 2021
Title CompanyNORTHWEST TITLE GROUP LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,190.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1549 PIONEER RD, 1549, CHIPLEY, FL 32428-5118

Transferred To (Grantee/Buyer)

NameVerified Name
Address1361 O CONNELL LN, CHIPLEY, FL 32428-4881

Mortgage

Document Number0000000625
DateDec 26, 2019
Instrument1165/0625
Lender
NameCOMMUNITY SOUTH CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term301 Months
DueJan 01, 2045
Interest
Rate TypeAdjustable Rate
Rate5.5%
Type Change DateJan 01, 2023
Change FrequencyAnnually
Min Rate At Change5.5%
Max Rate At Change7.5%
Index1-Year CMT
Max Rate11.5%

Tax Assessment & Valuation

Source: Washington County records · Assessment roll updated December 3, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyWashington County
Unified School DistrictWashington County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$425.00 (+23.91%)$48,219 (+25.49%) Land $25,500 Building $22,719$48,219 (+25.49%) Land $25,500 Building $22,719
2024$343.00 (+6.52%)$38,426 (+7.61%) Land $22,500 Building $15,926$38,426 (+7.61%) Land $22,500 Building $15,926
2023$322.00 (+9.52%)$35,710 (+11.32%) Land $22,500 Building $13,210$35,710 (+11.32%) Land $22,500 Building $13,210
2022$294.00$32,079 Land $20,000 Building $12,079$32,079 Land $20,000 Building $12,079

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Washington County (12133C), updated July 4, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121339703032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies4 in force
Nearby Flood Claims3 (1990–2018)
Most Recent ClaimOct 2018, rainfall accumulation, Hurricane Michael

Wildfire

Wildfire RiskModerate
above 46% of the US · above 16% of Florida
Wildfire LikelihoodAbout 1 in 1,163 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 4 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
Wildstar NetworksFixed Wireless200 / 50
T-Mobile USAFixed Wireless25 / 3

Availability varies by address; speeds are provider-advertised maximums, not measured.

Nearby Properties on Gainer Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures