Washington County property record for 4539 Spendabuck Ct, Chipley, FL 32428
| Property Type | Manufactured or Modular Home |
|---|---|
| Details | 3 bd · 2 ba · 2,040 sqft · built 2020 |
| Lot Size | 2.95 acres (128,502 sqft) |
| Owner | Individual Name on File |
| Last Sale | $24,900 (Jul 2019) |
| Tax Bill | $1,369 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Feb 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 000041510181 |
| Primary APN | 000041510181 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,040 sqft Heated Area |
| Gross Area | 2,184 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Architectural Style | Modular |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 128,502 sqft (2.95 acres) |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Account Number | 000041510181 |
|---|---|
| Street Address | 4539 SPENDABUCK CT |
| City | CHIPLEY |
| State | FL |
| Zip | 32428-5694 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Manufactured or Modular Home |
| Legal Description | LOT B-181 LEISURE LAKES 1ST ADD REC PLAT ORB 1149 P 593 |
| Legal Range | 15W |
| Legal Township | 01N |
| Legal Section | 11 |
| Legal Subdivision | LEISURE LAKES 1ST ADD |
| Legal Block | 181 |
| Legal Lot Number | B-181 |
| Jurisdiction | WASHINGTON FL |
| Township / Civil Division | VERNON |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 970302 |
4539 Spendabuck Ct, a residential property, is owned and occupied by an individual who bought it in July 2019.
Source: Washington County records, as of December 22, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4539 SPENDABUCK CT, CHIPLEY, FL 32428-5694 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK |
| Feb 7, 2020 | Loan Modification, Mortgage FIRST FED'L SVGS BK |
| Jul 5, 2019 | Warranty Deed, Construction Loan · Construction Mortgage FIRST FEDERAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 2019 · Amount on File |
| Deed Sale | Jul 5, 2019 · Amount on File |
| Prior Sale | May 16, 2002 · Amount on File |
| Deed Document Number | 201967005161 |
| Deed Book / Page | 1149 / 0593 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 4539 SPENDABUCK CT, CHIPLEY, FL 32428-5694 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Title Company | DIAMOND TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0067002019 |
|---|---|
| Date | Mar 19, 2021 |
| Book Page | 1201/314 |
| Instrument | 202167002019 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | LAKE CITY, FL 32055 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 341 Months |
| Due | Aug 1, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 4539 SPENDABUCK CT, CHIPLEY, FL 32428-5694 |
| Document Number | 0067001178 |
| Instrument Date | Feb 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4539 SPENDABUCK CT CHIPLEY FL 324285694, CHIPLEY, FL 32428-5694 |
| Document Number | 0067001178 |
|---|---|
| Date | Feb 10, 2020 |
| Book Page | 001169/000147 |
| Instrument | 67001178 |
| Name | FIRST FED'L SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | LAKE CITY, FL 32055 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 9, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | Jul 5, 2019 |
| Property Address | 4539 SPENDABUCK CT, CHIPLEY, FL 32428-5694 |
| Document Number | 0067005161 |
| Book / Page | 1149 / 0593 |
| Map Reference | MB 3 PG 179-186 |
| Instrument Date | Jul 2, 2019 |
| Instrument | 201967005161 |
| Transaction Type | Construction Loan |
| Record Updated | May 2, 2022 |
| Title Company | DIAMOND TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $174.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9221 N MCCANN RD, 9221, SOUTHPORT, FL 32409-2016 |
| Name | Verified Name |
|---|---|
| Address | 735 GILBERT DR, CHIPLEY, FL 32428-2023 |
| Document Number | 0000000595 |
|---|---|
| Date | Jul 5, 2019 |
| Instrument | 1149/595 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
The 2025 property tax bill for 4539 Spendabuck Ct was $1,369 with a homeowner's exemption, up 7.3% from the year before.
Source: Washington County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Washington County |
| Unified School District | Washington County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,369.00 (+7.29%) Homeowner's exemption | $144,670 (+2.9%) | $225,810 (+22.28%) Land $38,940 Building $186,870 |
| 2024 | $1,276.00 (+2.9%) Homeowner's exemption | $140,593 (+3%) | $184,668 (+22.03%) Land $38,350 Building $146,318 |
| 2023 | $1,240.00 (+3.68%) Homeowner's exemption | $136,498 (+3%) | $151,330 (+14.19%) Land $32,450 Building $118,880 |
| 2022 | $1,196.00 Homeowner's exemption | $132,522 Land $25,075 Building $107,447 | $132,522 Land $25,075 Building $107,447 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4539 Spendabuck Ct in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1994.
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 File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 9 (1994–2021) |
| Claims Outside the SFHA | 1 of 9 |
| Most Recent Claim | Apr 2021 · rainfall accumulation |
| Claims by Event |
|
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 risk around 4539 Spendabuck Ct is moderate, ranking above 55% 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 55% of the US · lower than 73% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTHWEST FLORIDA RECEPTION CENTER state or territorial government · serves 2,500 people · EPA ID FL1670733 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Copper | 1.9 mg/L (2018) action level 1.3 mg/L |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids not recorded as resolved · Jul 2024 Total trihalomethanes not recorded as resolved · Jan 2022 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 7 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 2 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 |
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