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3945 Gables Blvd, Chipley, FL 32428 Property Records

Washington County property record for 3945 Gables Blvd, Chipley, FL 32428

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,648 sqft · built 1972
Lot Size0.382 acres (16,639 sqft)
Owner2 Individual Names on File
Last Sale$225,000 (Aug 2023)
Tax Bill$2,036 (2025)
Deeds & MortgagesAug 2023 Sale & Mortgage
Dec 2020 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN01-0137-0014

Property Details

APN / Parcel Number

Primary APN01-0137-0014
Alternative APNs
  • 00000000-01-0137-0014
  • 000101370014

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,648 sqft Living Area
Gross Area1,900 sqft
1st Floor Area1,516 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 2012
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area16,639 sqft (0.382 acres)
Lot Width91.8 ft Width
Garage TypeCarport
Garage Area576 sqft
CarportCarport
Carport Area576 sqft
PorchFinished/Open Porch
Porch Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3945 GABLES BLVD
CityCHIPLEY
StateFL
Zip32428-2950
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUNNY HILLS UNIT #1 LOT 14 ORB 1280 P 838 BLK 0137
Legal Range14W
Legal Township02S
Legal Section26
Legal SubdivisionSUNNY HILLS
Legal Block14
Legal Lot Number14
Legal Unit1
JurisdictionWASHINGTON FL
Township / Civil DivisionVERNON
Census Block Group1
Census Block1153
Census Tract970301

Owner

3945 Gables Blvd is owned and occupied by two individuals who bought it in August 2023.

Source: Washington County records, as of December 3, 2025

Owner of Record2 Individual Names on File
Mailing Address3945 GABLES BLVD, CHIPLEY, FL 32428-2950
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

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

DateDocument
Aug 21, 2023Warranty Deed, Transfer · USDA Mortgage
PLAINS COMMERCE BANK
Dec 1, 2020Warranty Deed, Transfer
NOT AVAILABLE
Dec 4, 2019Warranty Deed, Transfer
PANHANDLE LAND TITLE LLC
Aug 9, 2019Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 21, 2023 · Amount on File
Deed SaleAug 21, 2023 · Amount on File
Prior SaleDec 4, 2019 · Amount on File
Deed Document Number20235843
Deed Book / Page1280 / 838
Prior Transfer DateJan 24, 2022
Prior Transfer Doc0000009953
Record UpdatedSep 20, 2026

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWASHINGTON FL
Recording DateAug 21, 2023
Property Address3945 GABLES BLVD, CHIPLEY, FL 32428-2950
Document Number0067005843
Book / Page1280 / 838
Map ReferenceMB 2 PG 16
Instrument DateAug 18, 2023
Instrument202367005843
Transaction TypeTransfer
Record UpdatedSep 18, 2023
Title CompanySOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,575.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14612 OLD SPIKES RD, SOUTHPORT, FL 32409-2627

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3945 GABLES BLVD, CHIPLEY, FL 32428-2950

Mortgage

Document Number0000000840
DateAug 21, 2023
Instrument1280/840
Lender
NamePLAINS COMMERCE BANK
TypeBank
Agreement
TypeUSDA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2053

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWASHINGTON FL
Recording DateDec 1, 2020
Property Address3945 GABLES BLVD, CHIPLEY, FL 32428-2950
Document Number0067008017
Book / Page001191 / 000948
Instrument DateDec 1, 2020
Instrument67008017
Transaction TypeTransfer
Record UpdatedDec 21, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount on Record
Tax$70.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3945 GABLES BLVD CHIPLEY FL 324282950, CHIPLEY, FL 32428-2950

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWASHINGTON FL
Recording DateDec 4, 2019
Property Address3945 GABLES BLVD, CHIPLEY, FL 32428-2950
Document Number0067009591
Book / Page001163 / 000335
Instrument DateNov 22, 2019
Instrument67009591
Transaction TypeTransfer
Record UpdatedDec 16, 2019
Title CompanyPANHANDLE LAND TITLE LLC

Transaction

AmountAmount on Record
Tax$686.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3945 GABLES BLVD CHIPLEY FL 324282950, CHIPLEY, FL 32428-2950

August 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWASHINGTON FL
Recording DateAug 9, 2019
Property Address3945 GABLES BLVD, CHIPLEY, FL 32428-2950
Document Number0067006090
Book / Page001152 / 000739
Instrument DateAug 5, 2019
Instrument67006090
Transaction TypeTransfer
Record UpdatedAug 21, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount on Record
Tax$105.00
Amount AccuracyConfirmed
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3945 GABLES BLVD CHIPLEY FL 324282950, CHIPLEY, FL 32428-2950

Tax Assessment & Valuation

The 2025 property tax bill for 3945 Gables Blvd was $2,036 with a homeowner's exemption, up 6.5% from the year before.

Source: Washington County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWashington County
Unified School DistrictWashington County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,036.00 (+6.49%) Homeowner's exemption$184,932 (+2.75%) Land $10,000 Building $174,932$184,932 (+2.75%) Land $10,000 Building $174,932
2024$1,912.00 (+159.08%) Homeowner's exemption$179,976 (+80.5%) Land $7,000 Building $172,976$179,976 (+17.63%) Land $7,000 Building $172,976
2023$738.00 (-7.75%) Homeowner's exemption$99,709 (+3%)$153,005 (+7.5%) Land $5,000 Building $148,005
2022$800.00 Homeowner's exemption$96,805$142,326 Land $3,500 Building $138,826

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3945 Gables Blvd in Zone X, an area of minimal flood risk, within 500 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 18 policies
Nearby Flood Policies18 in force
Nearby Flood Claims16 (1994–2021)
Claims Outside the SFHA9 of 16
Most Recent ClaimNov 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

Wildfire risk around 3945 Gables Blvd is low, with a 0.07% annual chance of wildfire.

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

Wildfire RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.07% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemSUNNY HILLS UTILITY COMPANY
public/private · serves 1,458 people · EPA ID FL1670647
Water SourceGroundwater
Last State InspectionApr 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 24 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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