3892 River Ranch Rd, Vernon, FL 32462 Property Records

Washington County property record for 3892 River Ranch Rd, Vernon, FL 32462

Property Summary

Property Type	Single Family Home
Details	1 ba · 816 sqft · built 1987
Lot Size	0.362 acres (15,812 sqft)
Owner	2 Individual Names on File
Last Sale	$112,900 (May 2019)
Tax Bill	$1,896 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000054560031`

Property Details

APN / Parcel Number

Primary APN	`000054560031`
Alternative APN	`54560031`

Interior

Full Baths	1 Bath
Building Area	816 sqft Heated Area
Gross Area	1,208 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2009
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,812 sqft (0.362 acres)
Porch	Open Porch
Porch Area	392 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000054560031
Street Address	3892 RIVER RANCH RD
City	VERNON
State	FL
Zip	32462
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28 2 16 ORB 1144 P 36 LOT 31 RIVER RANCH RETREATS UNREC PLAT
Legal Range	16W
Legal Township	02N
Legal Section	28
Legal Subdivision	RIVER RANCH RETREAT
Legal Block	5456
Legal Lot Number	31 32
Jurisdiction	WASHINGTON FL
Township / Civil Division	CARYVILLE
Census Block Group	3
Census Block	3120
Census Tract	970200

Owner

3892 River Ranch Rd is owned by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1380 FORTSON RD, DOTHAN, AL 36305-9378
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
May 1, 2019	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
May 16, 2017	Deed of Trust, Mortgage · VA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2019 · Amount on File
Deed Sale	May 1, 2019 · Amount on File
Prior Sale	Feb 22, 2016 · Amount on File
Deed Document Number	201967003387
Deed Book / Page	1144 / 0036
Record Updated	Jun 8, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	May 1, 2019
Property Address	3892 RIVER RANCH RD, VERNON, FL 32462
Document Number	0067003387
Book / Page	001144 / 000036
Instrument Date	Apr 30, 2019
Instrument	67003387
Transaction Type	Transfer
Record Updated	May 13, 2019
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$790.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1380 FORTSON RD DOTHAN AL 363059378, DOTHAN, AL 36305-9378

Mortgage

Document Number	67003388
Date	May 1, 2019
Book Page	001144/000038
Instrument	67003388

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 30, 2034

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	3892 RIVER RANCH RD, VERNON, FL 32462
Document Number	0067006177
Book / Page	001098 / 000926
Instrument Date	May 16, 2017
Transaction Type	Mortgage
Record Updated	Sep 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3892 RIVER RANCH RD VERNON FL 32462, VERNON, FL 32462

Mortgage

Document Number	0067006177
Date	Sep 7, 2017
Book Page	001098/000926
Instrument	67006177

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 6, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3892 River Ranch Rd was $1,896, up 8.8% from the year before.

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	$1,896.00 (+8.84%)	$138,318 (-0.73%) Land $8,730 Building $129,588	$138,318 (-0.73%) Land $8,730 Building $129,588
2024	$1,742.00 (+8.54%)	$139,341 (+10.26%) Land $8,730 Building $130,611	$139,341 (+10.26%) Land $8,730 Building $130,611
2023	$1,605.00 (+8.37%)	$126,377 (+8.33%) Land $8,730 Building $117,647	$126,377 (+8.33%) Land $8,730 Building $117,647
2022	$1,481.00	$116,657 Land $8,730 Building $107,927	$116,657 Land $8,730 Building $107,927

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3892 River Ranch Rd in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force

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 3892 River Ranch Rd is moderate, ranking above 47% 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 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% 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 33 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: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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