4478 Ada Dr, Chipley, FL 32428 Property Records

Washington County property record for 4478 Ada Dr, Chipley, FL 32428

Property Summary

Property Type	Commercial
Details	built 1995
Lot Size	8.67 acres (377,665 sqft)
Owner	2 Individual Names on Record
Tax Bill	$522 (2025)
Deeds & Mortgages	Apr 2024 Transfer Oct 2020 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`000030830001`

Property Details

APN / Parcel Number

Primary APN	`000030830001`
Alternative APNs	`00000000-00-3083-0001` `30830001`

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	377,665 sqft (8.67 acres)
Garage Type	Detached
Garage Area	360 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	4478 ADA DR
City	CHIPLEY
State	FL
Zip	32428
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	12 1 14 ORB 1020 P 542 PRCL DESC IN ORB 1020 P 542, ORB 1188 P 459, ORB 1300 P 48
Legal Range	14W
Legal Township	01S
Legal Section	12
Legal Block	1
Legal Lot Number	1
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1159
Census Tract	970301

Owner

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

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	1548 OAK AVE, PANAMA CITY, FL 32405-4625
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Intrafamily Transfer, Transfer
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage ONE FLORIDA BK
Oct 16, 2020	Warranty Deed, Transfer ONE FLORIDA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2020
Deed Sale	Oct 16, 2020
Prior Sale	Jun 15, 2015 · Amount on Record
Deed Document Number	202067006874
Deed Book / Page	1188 / 459
Last Transfer Date	Apr 1, 2024
Transfer Doc	0067002429
Record Updated	Sep 20, 2026

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WASHINGTON FL
Recording Date	Apr 1, 2024
Property Address	4478 ADA DR, CHIPLEY, FL 32428
Document Number	0067002429
Book / Page	1300 / 48
Instrument Date	Apr 1, 2024
Instrument	202467002429
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1548 OAK AVE, PANAMA CITY, FL 32405-4625
Investor	Possibly a Property Investor

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	4478 ADA DR, CHIPLEY, FL 32428
Document Number	0067006875
Instrument Date	Oct 8, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4512 HANCOCK CT CHIPLEY FL 324283123, CHIPLEY, FL 32428-3123

Mortgage

Document Number	0067006875
Date	Oct 16, 2020
Book Page	001188/000460
Instrument	67006875

Lender

Name	ONE FLORIDA BK
Address	CHIPLEY, FL 32428

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 15, 2025

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Oct 16, 2020
Property Address	4478 ADA DR, CHIPLEY, FL 32428
Document Number	0067006874
Book / Page	001188 / 000459
Instrument Date	Oct 8, 2020
Instrument	67006874
Transaction Type	Transfer
Record Updated	Nov 5, 2020
Title Company	FLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TRUST CO

Transaction

Amount	Amount Recorded
Tax	$1.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4512 HANCOCK CT CHIPLEY FL 324283123, CHIPLEY, FL 32428-3123

Mortgage

Document Number	67006875
Date	Oct 16, 2020
Book Page	001188/000460
Instrument	67006875

Lender

Name	ONE FLORIDA BK
Address	CHIPLEY, FL 32428

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Oct 15, 2025

Tax Assessment & Valuation

Source: Washington County assessment roll, as of December 3, 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	$522.00 (+2.76%)	$37,728 (-) Land $34,680 Building $3,048	$37,728 (-) Land $34,680 Building $3,048
2024	$508.00 (-1.74%)	$37,728 (-0.53%) Land $34,680 Building $3,048	$37,728 (-0.53%) Land $34,680 Building $3,048
2023	$517.00 (-0.77%)	$37,930 (-) Land $34,680 Building $3,250	$37,930 (-) Land $34,680 Building $3,250
2022	$521.00	$37,930 Land $34,680 Building $3,250	$37,930 Land $34,680 Building $3,250

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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 22 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

Cell Coverage

5G (outdoors only) and 4G LTE

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