3900 Merger Dr, Chipley, FL 32428 Property Records

Washington County property record for 3900 Merger Dr, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,499 sqft · built 1978
Lot Size	0.228 acres (9,975 sqft)
Owner	Individual Name on File
Last Sale	$146,500 (Jan 2017)
Tax Bill	$1,494 (2025)
Deeds & Mortgages	Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-0036-0012`

Property Details

APN / Parcel Number

Primary APN	`01-0036-0012`
Alternative APN	`000100360012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,499 sqft Heated Area
Gross Area	2,611 sqft
Basement Area	540 sqft
Unfinished Basement	540 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2012
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,975 sqft (0.228 acres)
Lot Width	80 ft Width
Garage Type	Basement
Garage Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000100360012
Street Address	3900 MERGER DR
City	CHIPLEY
State	FL
Zip	32428-3038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNNY HILLS UNIT #1 LOT 12 ORB 1081 P 7 BLK 0036
Legal Range	14W
Legal Township	02N
Legal Section	26
Legal Subdivision	SUNNY HILLS
Legal Block	36
Legal Lot Number	12
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 File
Co-owner	Co-owner on File
Mailing Address	3900 MERGER DR, CHIPLEY, FL 32428-3038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2017 · Amount on File
Deed Sale	Jan 31, 2017 · Amount on File
Deed Document Number	0000010817
Deed Book / Page	1081 / 7
Record Updated	Jun 8, 2026

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jan 31, 2017
Property Address	3900 MERGER DR, CHIPLEY, FL 32428-3038
Document Number	0067000581
Book / Page	1081 / 007
Map Reference	MB2 PG9-27
Instrument	201767000581
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	OMEGA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	922 N TURTLE RUN, 922, CHURUBUSCO, IN 46723-9568

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7805 OLDE MILL RD, PANAMA CITY, FL 32409-4817

Mortgage

Document Number	0000000008
Date	Jan 31, 2017
Instrument	1081/008

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

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	$1,494.00 (+7.02%) Homeowner's exemption	$145,749 (+2.9%)	$234,620 (+2.78%) Land $10,000 Building $224,620
2024	$1,396.00 (+3.79%) Homeowner's exemption	$141,641 (+3.76%)	$228,277 (+12.77%) Land $7,000 Building $221,277
2023	$1,345.00 (+3.46%) Homeowner's exemption	$136,502 (+3%)	$202,436 (+9.73%) Land $5,000 Building $197,436
2022	$1,300.00 Homeowner's exemption	$132,526	$184,483 Land $3,500 Building $180,983

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 File 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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