3882 Merger Dr, Chipley, FL 32428 Property Records

Washington County property record for 3882 Merger Dr, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,397 sqft · built 2022
Lot Size	0.307 acres (13,416 sqft)
Owner	Individual Name on Record
Last Sale	$252,900 (Sep 2022)
Tax Bill	$1,808 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Feb 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-0036-0009`

Property Details

APN / Parcel Number

Primary APN	`01-0036-0009`
Alternative APN	`000100360009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,397 sqft Heated Area
Gross Area	1,951 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,416 sqft (0.307 acres)
Lot Width	96 ft Width

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000100360009
Street Address	3882 MERGER DR
City	CHIPLEY
State	FL
Zip	32428-3026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNNY HILLS UNIT #1 LOT 9 ORB 1254 P 113 BLK 0036,
Legal Range	14W
Legal Township	02N
Legal Section	26
Legal Subdivision	SUNNY HILLS
Legal Block	36
Legal Lot Number	9
Legal Unit	1
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1171
Census Tract	970301

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3882 MERGER DR, CHIPLEY, FL 32428-3026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2022	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 11, 2022	Warranty Deed, Transfer · Line of Credit PEOPLESSOUTH BANK
Sep 17, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2022 · Amount on Record
Deed Sale	Sep 23, 2022 · Amount on Record
Prior Sale	Feb 11, 2022
Deed Document Number	0001254113
Deed Book / Page	1254 / 113
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Sep 23, 2022
Property Address	3882 MERGER DR, CHIPLEY, FL 32428-3026
Document Number	0067007997
Book / Page	1254 / 113
Map Reference	MB 2 PG 9-27
Instrument Date	Sep 23, 2022
Instrument	202267007997
Transaction Type	Transfer
Record Updated	May 21, 2024
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,770.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2155 ROARK RD, COTTONDALE, FL 32431-7629

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7121 VINSON RD, PANAMA CITY BEACH, FL 32413-9421

Mortgage

Document Number	0000000115
Date	Sep 23, 2022
Instrument	1254/115

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Feb 11, 2022
Property Address	3882 MERGER DR, CHIPLEY, FL 32428-3026
Document Number	0067001367
Book / Page	1232 / 492
Map Reference	MB 2 PG 9-27
Instrument Date	Feb 2, 2022
Instrument	202267001367
Transaction Type	Transfer
Record Updated	May 21, 2024
Title Company	FLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE AND TR CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	738 VISTA DD SOL LANE, PANAMA CITY, FL 32404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2155 ROARK RD, COTTONDALE, FL 32431-7629

Mortgage

Document Number	0000000494
Date	Feb 11, 2022
Instrument	1232/494

Lender

Name	PEOPLESSOUTH BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Feb 15, 2023

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	Sep 17, 2021
Property Address	3882 MERGER DR, CHIPLEY, FL 32428-3026
Document Number	0067006823
Book / Page	1218 / 115
Map Reference	MB 2 PG 9-27
Instrument Date	Sep 16, 2021
Instrument	202167006823
Transaction Type	Transfer
Record Updated	May 21, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	738 VISTA DEL SOL LN, PANAMA CITY, FL 32404-2691

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2155 ROARK RD, COTTONDALE, FL 32431-7629

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	$1,808.00 (+6.73%) Homeowner's exemption	$168,477 (+2.9%)	$190,021 (+6.23%) Land $10,000 Building $180,021
2024	$1,694.00 (+2.54%) Homeowner's exemption	$163,729 (+3%)	$178,875 (+12.53%) Land $7,000 Building $171,875
2023	$1,652.00 (+1,890.36%) Homeowner's exemption	$158,960 (+4,441.71%) Land $5,000 Building $153,960	$158,960 (+4,441.71%) Land $5,000 Building $153,960
2022	$83.00	$3,500 Land $3,500	$3,500 Land $3,500

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

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 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	16 (1994–2021)
Claims Outside the SFHA	9 of 16
Most Recent Claim	Nov 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 2 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	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 37 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

May also be available: T-Mobile.

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