3941 Gates Ave, Chipley, FL 32428 Property Records

Washington County property record for 3941 Gates Ave, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,472 sqft · built 1973
Lot Size	0.171 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Feb 2020)
Tax Bill	$1,369 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-0189-0002`

Property Details

APN / Parcel Number

Primary APN	`04-0189-0002`
Alternative APN	`000401890002`

Interior

Full Baths	2 Baths
Building Area	1,472 sqft Heated Area
Gross Area	2,142 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2015
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,492 sqft (0.171 acres)
Lot Width	75 ft Width
Garage Type	Carport
Carport	Carport
Porch	Open Porch
Porch Area	190 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000401890002
Street Address	3941 GATES AVE
City	CHIPLEY
State	FL
Zip	32428-3121
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNNY HILLS UNIT #4 LOT 2 ORB 1170 P 545 BLK 0189
Legal Range	13W
Legal Township	02N
Legal Section	30
Legal Subdivision	SUNNY HILLS
Legal Block	189
Legal Lot Number	2
Legal Unit	4
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1114
Census Tract	970301

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	Individual Name on Record
Mailing Address	3941 GATES AVE, CHIPLEY, FL 32428-3121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2020	Warranty Deed, Transfer · Conventional with PMI USAA
Oct 2, 2017	Warranty Deed, Transfer · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2020 · Amount on Record
Deed Sale	Feb 25, 2020 · Amount on Record
Prior Sale	Oct 2, 2017 · Amount on Record
Deed Document Number	202067001577
Deed Book / Page	1170 / 545
Record Updated	Jun 8, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Feb 25, 2020
Property Address	3941 GATES AVE, CHIPLEY, FL 32428-3121
Document Number	0067001577
Book / Page	001170 / 000545
Instrument Date	Feb 21, 2020
Instrument	67001577
Transaction Type	Transfer
Record Updated	Mar 10, 2020
Title Company	PANHANDLE LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1924 BAYBERRY LN SOUTHPORT FL 324093536, SOUTHPORT, FL 32409-3536

Mortgage

Document Number	67001578
Date	Feb 25, 2020
Book Page	001170/000547
Instrument	67001578

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 24, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Oct 2, 2017
Property Address	3941 GATES AVE, CHIPLEY, FL 32428-3121
Document Number	0067006681
Book / Page	1100 / 720
Map Reference	MB2 PG42-54
Instrument Date	Sep 25, 2017
Instrument	201767006681
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
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	3314 CHAIN LAKE RD, 3314, CHIPLEY, FL 32428-5626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 N VAL VISTA DR LOT 254, 254, MESA, AZ 85213-8644

Mortgage

Document Number	0067006682
Date	Oct 2, 2017
Book Page	1100/722
Instrument	201767006682

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 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	$1,369.00 (-18.02%) Homeowner's exemption	$136,726 (+4.5%) Land $6,000 Building $130,726	$136,726 (+4.5%) Land $6,000 Building $130,726
2024	$1,670.00 (+9.08%)	$130,834 (+11.97%) Land $6,000 Building $124,834	$130,834 (+11.97%) Land $6,000 Building $124,834
2023	$1,531.00 (+9.12%)	$116,851 (+10.27%) Land $5,000 Building $111,851	$116,851 (+10.27%) Land $5,000 Building $111,851
2022	$1,403.00	$105,968 Land $3,500 Building $102,468	$105,968 Land $3,500 Building $102,468

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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 20 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Verizon.

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