3545 Payne Lake Rd, Chipley, FL 32428 Property Records

Washington County property record for 3545 Payne Lake Rd, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,710 sqft · built 2005
Lot Size	1.19 acres (52,141 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Sep 2024)
Tax Bill	$2,995 (2024)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`000033220352`

Property Details

APN / Parcel Number

Primary APN	`000033220352`
Alternative APN	`33220352`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,710 sqft Heated Area
Gross Area	2,710 sqft
Basement Area	480 sqft
Finished Basement	480 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2014
Exterior Material	Logs
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	52,141 sqft (1.19 acres)

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	408 sqft
Patio Area	216 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000033220352
Street Address	3545 PAYNE LAKE RD
City	CHIPLEY
State	FL
Zip	32428-5473
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1, BLK A, PAYNE LAKES PHASE II REC SUBD, ORB 1315 P 649.
Legal Range	14W
Legal Township	02N
Legal Section	20
Legal Subdivision	PAYNE LAKES PHASE II
Legal Phase	2
Legal Block	A
Legal Lot Number	1
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2038
Census Tract	970302

Owner

3545 Payne Lake Rd is owned and occupied by an individual who bought it in September 2024.

Source: Washington County records, as of December 22, 2025

Owner of Record	Individual Name on File
Mailing Address	3545 PAYNE LAKE RD, CHIPLEY, FL 32428-5473
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2024	Warranty Deed, Transfer · VA Mortgage REGIONS BANK
Oct 6, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Feb 18, 2017	Deed of Trust, Mortgage · VA Mortgage INTERCAP LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2024 · Amount on File
Deed Sale	Sep 12, 2024 · Amount on File
Prior Sale	Oct 6, 2020 · Amount on File
Deed Document Number	202467006748
Deed Book / Page	1315 / 649
Record Updated	Jun 8, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Sep 12, 2024
Property Address	3545 PAYNE LAKE RD, CHIPLEY, FL 32428-5473
Document Number	0067006748
Book / Page	1315 / 649
Map Reference	MB 3 PGS 236
Instrument Date	Sep 9, 2024
Instrument	202467006748
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	FLORIDA LAND TITLE & TR CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3418 ROSEBAY CT, SPRING HILL, FL 34609-0873

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3545 PAYNE LAKE RD, CHIPLEY, FL 32428-5473

Mortgage

Document Number	0067006749
Date	Sep 12, 2024
Book Page	1315/651
Instrument	202467006749

Lender

Name	REGIONS BANK
Type	Bank
Address	2050 PARKWAY OFFICE CIR, HOOVER, AL 35244

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2054

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Oct 6, 2020
Property Address	3545 PAYNE LAKE RD, CHIPLEY, FL 32428-5473
Document Number	0067006583
Book / Page	1187 / 633
Map Reference	MB 3 PG 236
Instrument Date	Oct 5, 2020
Instrument	202067006583
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	FLORIDA LAND TITLE & TR CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3545 PAYNE LAKE RD, 3545, CHIPLEY, FL 32428-5473

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3418 ROSEBAY CT, SPRING HILL, FL 34609-0873

Mortgage

Document Number	0000000634
Date	Oct 6, 2020
Instrument	1187/634

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	3545 PAYNE LAKE RD, CHIPLEY, FL 32428-5473
Document Number	0067001084
Book / Page	001082 / 000591
Instrument Date	Feb 18, 2017
Transaction Type	Mortgage
Record Updated	Mar 17, 2017
Title Company	LIBERTY TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3545 PAYNE LAKE RD CHIPLEY FL 324285473, CHIPLEY, FL 32428-5473

Mortgage

Document Number	0067001084
Date	Feb 24, 2017
Book Page	001082/000591
Instrument	67001084

Lender

Name	INTERCAP LNDG
Address	ALISO VIEJO, CA 92656

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2047

Interest

Rate Type	Adjustable Rate
Rate	1.75%

Tax Assessment & Valuation

Source: Washington County assessment roll, as of July 1, 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	Homeowner's exemption	$293,211 (+22.17%) Land $30,000 Building $263,211	$293,211 (+22.17%) Land $30,000 Building $263,211
2024	$2,995.00 (+11.71%)	$240,009 (+13.88%) Land $24,000 Building $216,009	$240,009 (+13.88%) Land $24,000 Building $216,009
2023	$2,681.00 (+9.79%)	$210,758 (+11.74%) Land $18,000 Building $192,758	$210,758 (+11.74%) Land $18,000 Building $192,758
2022	$2,442.00	$188,614 Land $13,000 Building $175,614	$188,614 Land $13,000 Building $175,614

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

Flood

FEMA maps place 3545 Payne Lake Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 4, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (2019–2022)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jan 2022 · river or lake flooding

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 3545 Payne Lake Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Payne Lake Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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