3971 River Rd, Vernon, FL 32462 Property Records

Washington County property record for 3971 River Rd, Vernon, FL 32462

Property Summary

Property Type	Residential Vacant Land
Details	688 sqft · built 1976
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Nov 2022)
Tax Bill	$462 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000052640000`

Property Details

APN / Parcel Number

Primary APN	`000052640000`
Alternative APN	`52640000`

Interior

Building Area	688 sqft

Exterior

Year Built	Built 1976
Lot Area	217,800 sqft (5 acres)
Porch	Porch
Porch Area	36 sqft
Patio Area	64 sqft

Location & Zoning

Account Number	000052640000
Street Address	3971 RIVER RD
City	VERNON
State	FL
Zip	32462-3517
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	7 2 16 5.93 ORB 1257 P 217 BEG NWC OF E2 OF SE4, E 1313.98', S 737.35' FOR POB, W 866.34' TO E R/WAY OF HWY 284, N ALONG
Legal Range	16W
Legal Township	02N
Legal Section	07
Legal Block	5264
Legal Lot Number	0000
Jurisdiction	WASHINGTON FL
Township / Civil Division	CARYVILLE
Census Block Group	2
Census Block	2030
Census Tract	970200

Owner

3971 River Rd, residential vacant land, is owned by an individual who bought it in November 2022.

Source: Washington County records, as of December 22, 2025

Owner of Record	Individual Name on File
Mailing Address	3993 RIVER RD, VERNON, FL 32462-3517
Owner Type	Individual

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

Date	Document
Nov 3, 2022	Warranty Deed, Transfer · Conventional Mortgage PANHANDLE CU
Nov 3, 2022	Warranty Deed, Transfer · Conventional Mortgage PANHANDLE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2022 · Amount on File
Deed Sale	Nov 3, 2022 · Amount on File
Prior Sale	Nov 3, 2022 · Amount on File
Deed Document Number	202267008909
Deed Book / Page	1257 / 217
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Nov 3, 2022
Property Address	3971 RIVER RD, VERNON, FL 32462-3517
Document Number	0067008907
Book / Page	1257 / 212
Instrument Date	Oct 31, 2022
Instrument	202267008907
Transaction Type	Transfer
Record Updated	Jan 3, 2023
Title Company	ATTORNEYS TITLE & TRUST SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 OAK TERRACE LN, BONIFAY, FL 32425-2936

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7345 INTERNATIONAL PL STE 106, 106, LAKEWOOD RANCH, FL 34240-8468

Mortgage

Document Number	0067008910
Date	Nov 3, 2022
Book Page	1257/220
Instrument	202267008910

Lender

Name	PANHANDLE CU
Type	Credit Union
Address	PANAMA CITY, FL 32405

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Oct 30, 2037

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Oct 1, 2025
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	Other
Max Rate	11.7%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Nov 3, 2022
Property Address	3971 RIVER RD, VERNON, FL 32462-3517
Document Number	0067008909
Book / Page	1257 / 217
Instrument Date	Oct 31, 2022
Instrument	202267008909
Transaction Type	Transfer
Record Updated	Jan 3, 2023
Title Company	ATTORNEYS TITLE & TRUST SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7345 INTERNATIONAL PL STE 106, 106, LAKEWOOD RANCH, FL 34240-8468

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3993 RIVER RD, VERNON, FL 32462-3517

Mortgage

Document Number	0067008910
Date	Nov 3, 2022
Book Page	1257/220
Instrument	202267008910

Lender

Name	PANHANDLE CU
Type	Credit Union
Address	PANAMA CITY, FL 32405

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Oct 30, 2037

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Oct 1, 2025
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	Other
Max Rate	11.7%

Tax Assessment & Valuation

The 2025 property tax bill for 3971 River Rd was $462, up 14.4% from the year before.

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	$462.00 (+14.36%)	$34,000 (+13.33%) Land $34,000	$34,000 (+13.33%) Land $34,000
2024	$404.00 (-1.22%)	$30,000 (-) Land $30,000	$30,000 (-) Land $30,000
2023	$409.00 (+61.02%)	$30,000 (+62.16%) Land $30,000	$30,000 (+62.16%) Land $30,000
2022	$254.00	$18,500 Land $18,500	$18,500 Land $18,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3971 River Rd 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	35 (1994–2016)
Claims Outside the SFHA	1 of 35
Most Recent Claim	Jan 2016 · river or lake flooding
Claims by Event	Hurricane Georges, Oct 1998 · 3 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 6 claims Severe Storms And Flooding (tropical Storm Alberto), Jul 1994 · 17 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 3971 River Rd is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G and 4G LTE (outdoors only)

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