3888 Opal Ct, Chipley, FL 32428 Property Records

Washington County property record for 3888 Opal Ct, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,345 sqft · built 2007
Lot Size	0.346 acres (15,115 sqft)
Owner	Owner Name on File
Tax Bill	$1,832 (2025)
Deeds & Mortgages	Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-0027-0001`

Property Details

APN / Parcel Number

Primary APN	`01-0027-0001`
Alternative APN	`000100270001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,345 sqft Heated Area
Gross Area	3,271 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,115 sqft (0.346 acres)
Lot Width	105 ft Width
Garage Type	Finished
Garage Area	500 sqft
Porch	Open Porch
Porch Area	334 sqft
Patio Area	510 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000100270001
Street Address	3888 OPAL CT
City	CHIPLEY
State	FL
Zip	32428-3051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNNY HILLS UNIT #1 LOT 1 ORB 701 P 258 BLK 0027, ORB 887 P 112
Legal Range	14W
Legal Township	02N
Legal Section	26
Legal Subdivision	SUNNY HILLS
Legal Block	27
Legal Lot Number	1
Legal Unit	1
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1190
Census Tract	970301

Owner

Source: Washington County records · APN 01-0027-0001

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	3888 OPAL CT, CHIPLEY, FL 32428-3051
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Jun 20, 2011
Transfer Doc	0067003370
Record Updated	Jun 08, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	3888 OPAL CT, CHIPLEY, FL 32428-3051
Transaction Type	Mortgage
Record Updated	Jun 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3888 OPAL CT, CHIPLEY, FL 32428-3051

Mortgage

Document Number	0067003334
Date	Apr 12, 2022
Book Page	1238/516
Instrument	202267003334

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

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	$1,832.00 (+6.76%) Homeowner's exemption	$170,204 (+2.9%)	$281,064 (+2.59%) Land $10,000 Building $271,064
2024	$1,716.00 (+2.51%) Homeowner's exemption	$165,407 (+3%)	$273,961 (+12.21%) Land $7,000 Building $266,961
2023	$1,674.00 (+3.21%) Homeowner's exemption	$160,589 (+3%)	$244,156 (+13.06%) Land $5,000 Building $239,156
2022	$1,622.00 Homeowner's exemption	$155,912	$215,953 Land $3,500 Building $212,453

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2011 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 58 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SUNNY HILLS UTILITY COMPANY public/private · serves 1,458 people
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.