3897 Vistula Dr, Chipley, FL 32428 Property Records

Washington County property record for 3897 Vistula Dr, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,592 sqft · built 1988
Lot Size	0.376 acres (16,379 sqft)
Owner	Individual Name on Record
Tax Bill	$704 (2025)
Deeds & Mortgages	May 2022 Reverse Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000033570022`

Property Details

APN / Parcel Number

Primary APN	`000033570022`
Alternative APN	`33570022`

Interior

Full Baths	2 Baths
Building Area	1,592 sqft Heated Area
Gross Area	2,008 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2012
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,379 sqft (0.376 acres)
Lot Dimensions	149 ft deep x 110 ft wide
Garage Type	Finished
Garage Area	300 sqft
Porch	Open Porch
Porch Area	40 sqft
Patio Area	76 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000033570022
Street Address	3897 VISTULA DR
City	CHIPLEY
State	FL
Zip	32428-3099
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	27 2 14 ORB 691 P 323 LOT 2 OAK HILLS UNIT 1 BLK E
Legal Range	14W
Legal Township	02N
Legal Section	27
Legal Subdivision	OAK HILL UN 01
Legal Block	E
Legal Lot Number	2
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3897 VISTULA DR, CHIPLEY, FL 32428-3099
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2022	Affidavit of Death of Joint Tenant, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP
Dec 20, 2017	Deed of Trust, Mortgage FEDERAL HOUSING COMMISSIONER
Dec 20, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2022
Deed Sale	May 17, 2022
Deed Document Number	202267004455
Record Updated	Jun 8, 2026

May 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WASHINGTON FL
Recording Date	May 17, 2022
Property Address	3897 VISTULA DR, CHIPLEY, FL 32428-3099
Document Number	0067004455
Book / Page	1242 / 32
Map Reference	MB 3 PG 158
Instrument Date	May 17, 2022
Instrument	202267004455
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067004457
Date	May 17, 2022
Book Page	1242/35
Instrument	202267004457

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.1%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.1%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	3897 VISTULA DR, CHIPLEY, FL 32428-3099
Document Number	0067008754
Instrument Date	Dec 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3897 VISTULA DR CHIPLEY FL 324283099, CHIPLEY, FL 32428-3099

Mortgage

Document Number	0067008754
Date	Dec 28, 2017
Book Page	001107/000214
Instrument	67008754

Lender

Name	FEDERAL HOUSING COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Amount	Amount Recorded
Term	1056 Months

Interest

Rate Type	Adjustable Rate
Rate	4.79%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	3897 VISTULA DR, CHIPLEY, FL 32428-3099
Document Number	0067008753
Instrument Date	Dec 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3897 VISTULA DR CHIPLEY FL 324283099, CHIPLEY, FL 32428-3099

Mortgage

Document Number	0067008753
Date	Dec 28, 2017
Book Page	001107/000198
Instrument	67008753

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1056 Months

Interest

Rate Type	Adjustable Rate
Rate	4.79%

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	$704.00 (+1.73%) Homeowner's exemption	$124,396 (+2.9%)	$201,219 (+1.46%) Land $10,000 Building $191,219
2024	$692.00 (+73.43%) Homeowner's exemption	$120,890 (+26.56%)	$198,315 (+27.97%) Land $10,000 Building $188,315
2023	$399.00 (+2.31%) Homeowner's exemption	$95,520 (+3%)	$154,968 (+8.79%) Land $6,500 Building $148,468
2022	$390.00 Homeowner's exemption	$92,738	$142,451 Land $6,500 Building $135,951

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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SUNNY HILLS UTILITY COMPANY public/private · serves 1,458 people · EPA ID FL1670647
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

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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