3896 Bent Oaks Rd, Chipley, FL 32428 Property Records

Washington County property record for 3896 Bent Oaks Rd, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,627 sqft · built 2020
Lot Size	0.189 acres (8,233 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (Dec 2018)
Tax Bill	$1,857 (2025)
Deeds & Mortgages	Jun 2020 Loan Modification May 2020 Loan Modification + 2 more
Flood Zone	Zone AE (high risk)
APN	`000033740040`

Property Details

APN / Parcel Number

Primary APN	`000033740040`
Alternative APN	`33740040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,627 sqft Heated Area
Gross Area	1,936 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,233 sqft (0.189 acres)
Porch	Open Porch
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000033740040
Street Address	3896 BENT OAKS RD
City	CHIPLEY
State	FL
Zip	32428-3573
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	30 2 14 ORB 1132 P 716 LOT 32 PARADISE LAKES REC PLAT BLK D
Legal Range	14W
Legal Township	02N
Legal Section	30
Legal Subdivision	PARADISE LAKES
Legal Block	D
Legal Lot Number	32
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	4
Census Block	4045
Census Tract	970302

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	2 Individual Names on Record
Mailing Address	3896 BENT OAKS RD, CHIPLEY, FL 32428-3573
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2020	Loan Modification, Mortgage FIVE STAR CU
May 9, 2020	Loan Modification, Mortgage ATTORNEY ONLY
May 9, 2019	Deed of Trust, Mortgage FIVE STAR CU
Dec 10, 2018	Grant Deed, Transfer · Conventional with PMI FIVE STAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2018 · Amount on Record
Deed Sale	Dec 10, 2018 · Amount on Record
Deed Document Number	201867008247
Deed Book / Page	1132 / 716
Record Updated	Jun 8, 2026

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WASHINGTON FL
Property Address	3896 BENT OAKS RD, CHIPLEY, FL 32428-3573
Document Number	0067004128
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3896 BENT OAKS RD CHIPLEY FL 324283573, CHIPLEY, FL 32428-3573

Mortgage

Document Number	0067004128
Date	Jun 22, 2020
Book Page	001179/000140
Instrument	67004128

Lender

Name	FIVE STAR CU
Type	Credit Union
Address	DOTHAN, AL 36302

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WASHINGTON FL
Property Address	3896 BENT OAKS RD, CHIPLEY, FL 32428-3573
Document Number	0067004129
Instrument Date	May 9, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3896 BENT OAKS RD CHIPLEY FL 324283573, CHIPLEY, FL 32428-3573

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	3896 BENT OAKS RD, CHIPLEY, FL 32428-3573
Document Number	0067003643
Instrument Date	May 9, 2019
Transaction Type	Mortgage
Record Updated	May 22, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14806 FRONT BEACH RD #127 PANAMA CITY BEACH FL 324133590, 127, PANAMA CITY BEACH, FL 32413-3590

Mortgage

Document Number	0067003643
Date	May 10, 2019
Book Page	001144/000863
Instrument	67003643

Lender

Name	FIVE STAR CU
Type	Credit Union
Address	DOTHAN, AL 36302

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 9, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON FL
Recording Date	Dec 10, 2018
Property Address	3896 BENT OAKS RD, CHIPLEY, FL 32428-3573
Document Number	0067008247
Book / Page	001132 / 000716
Instrument Date	Dec 7, 2018
Instrument	67008247
Transaction Type	Transfer
Record Updated	Dec 21, 2018
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
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	14806 FRONT BEACH RD #127 PANAMA CITY BEACH FL 324133590, 127, PANAMA CITY BEACH, FL 32413-3590

Mortgage

Document Number	67008248
Date	Dec 10, 2018
Book Page	001132/000718
Instrument	67008248

Lender

Name	FIVE STAR CU
Type	Credit Union
Address	DOTHAN, AL 36303

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	120 Months
Due	Dec 9, 2028

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	$1,857.00 (+6.79%) Homeowner's exemption	$174,936 (+2.9%)	$252,658 (+14.66%) Land $40,000 Building $212,658
2024	$1,739.00 (+2.41%) Homeowner's exemption	$170,006 (+3%)	$220,355 (+7.34%) Land $40,000 Building $180,355
2023	$1,698.00 (+3.1%) Homeowner's exemption	$165,054 (+3%)	$205,285 (+10.21%) Land $40,000 Building $165,285
2022	$1,647.00 Homeowner's exemption	$160,247	$186,272 Land $35,000 Building $151,272

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	77.0 ft
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	6 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% 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 22 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.

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