414 Malcolm Smith Rd, Chattahoochee, FL 32324 Property Records

Gadsden County property record for 414 Malcolm Smith Rd, Chattahoochee, FL 32324

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,464 sqft · built 1979
Lot Size	12.6 acres (552,776 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Jan 2026)
Tax Bill	$3,213 (2022)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-06-2N-5W-0000-00140-0000`

Property Details

APN / Parcel Number

Primary APN	`3-06-2N-5W-0000-00140-0000`
Alternative APN	`1208880000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,464 sqft Living Area
Gross Area	3,624 sqft
1st Floor Area	2,464 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1999
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	552,776 sqft (12.6 acres)
Garage Area	552 sqft
Porch	Porch
Porch Area	104 sqft
Patio Area	504 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	414 MALCOLM SMITH RD
City	CHATTAHOOCHEE
State	FL
Zip	32324-3657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OR 886 P 1782; OR 882 P 1324 O
Legal Range	5W
Legal Township	2N
Legal Section	06
Jurisdiction	GADSDEN FL
Township / Civil Division	CHATTAHOOCHEE
Census Block Group	1
Census Block	1001
Census Tract	20400

Owner

Source: Gadsden County records, as of February 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	414 MALCOLM SMITH RD, CHATTAHOOCHEE, FL 32324-3657
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 3, 2020	Warranty Deed, Transfer · VA Mortgage WINTRUST MORTGAGE
Sep 2, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2026 · Amount on Record
Deed Sale	Jan 12, 2026 · Amount on Record
Prior Sale	Dec 3, 2020 · Amount on Record
Deed Document Number	2026171
Deed Book / Page	977 / 877
Prior Transfer Date	Sep 2, 2020
Prior Transfer Doc	0008821324
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GADSDEN FL
Recording Date	Jan 12, 2026
Property Address	414 MALCOLM SMITH RD, CHATTAHOOCHEE, FL 32324-3657
Document Number	0009770877
Book / Page	977 / 877
Instrument Date	Jan 8, 2026
Instrument	260000171
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4450 FAULKVILLE RD, MILTON, FL 32583-9413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 MALCOLM SMITH RD, CHATTAHOOCHEE, FL 32324-3657

Mortgage

Document Number	0000977879
Date	Jan 12, 2026
Instrument	977/879

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GADSDEN FL
Recording Date	Dec 3, 2020
Property Address	414 MALCOLM SMITH RD, CHATTAHOOCHEE, FL 32324-3657
Document Number	0008861782
Book / Page	886 / 1782
Instrument Date	Nov 25, 2020
Instrument	200008839
Transaction Type	Transfer
Record Updated	Apr 12, 2022
Title Company	TALLAHASSEE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 863, HAVANA, FL 32333-0863

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 MALCOLM SMITH RD, CHATTAHOOCHEE, FL 32324-3657

Mortgage

Document Number	0008861784
Date	Dec 3, 2020
Instrument	886/1784

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GADSDEN FL
Recording Date	Sep 2, 2020
Property Address	414 MALCOLM SMITH RD, CHATTAHOOCHEE, FL 32324-3657
Document Number	0008821324
Book / Page	000882 / 001324
Instrument Date	Sep 2, 2020
Instrument	6348
Transaction Type	Transfer
Record Updated	Sep 30, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 863 HAVANA FL 323330863, HAVANA, FL 32333-0863

Tax Assessment & Valuation

Source: Gadsden County assessment roll, as of November 17, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Gadsden County
Unified School District	Gadsden County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Veteran's exemption	$290,935 (+5.99%)	$338,505 (+15.69%) Land $84,213 Building $254,292
2023	Disabled Person's exemption Veteran's exemption	$274,501 (+2.97%)	$292,598 (+8.55%) Land $52,680 Building $239,918
2022	$3,213.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$266,581	$269,548 Land $35,145 Building $234,403

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 1, 2021 · 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
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2001 · rainfall accumulation

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	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

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