4541 Hancock Ct, Chipley, FL 32428 Property Records

Washington County property record for 4541 Hancock Ct, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,705 sqft · built 1979
Lot Size	0.343 acres (14,941 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Mar 2023)
Tax Bill	$3,399 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-0176-0025`

Property Details

APN / Parcel Number

Primary APN	`04-0176-0025`
Alternative APNs	`00000000-04-0176-0025` `000401760025`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,705 sqft Living Area
Gross Area	2,648 sqft
1st Floor Area	1,705 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,941 sqft (0.343 acres)
Lot Width	80.4 ft Width
Garage Type	Attached
Garage Area	550 sqft
Porch	Finished/Open Porch
Porch Area	183 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4541 HANCOCK CT
City	CHIPLEY
State	FL
Zip	32428-3122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNNY HILLS UNIT #4 LOT 25 ORB 1267 P 276 BLK 0176
Legal Range	13W
Legal Township	02S
Legal Section	31
Legal Subdivision	SUNNY HILLS
Legal Block	25
Legal Lot Number	25
Legal Unit	4
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1107
Census Tract	970301

Owner

Source: Washington County records, as of September 1, 2026

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	2 Individual Names on File
Mailing Address	1707 MASSACHUSETTS AVE, LYNN HAVEN, FL 32444-4113
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage PANHANDLE CU
Mar 15, 2023	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Mar 5, 2021	Warranty Deed, Transfer · Conventional Mortgage PANHANDLE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2023 · Amount on File
Deed Sale	Mar 15, 2023 · Amount on File
Prior Sale	Mar 5, 2021 · Amount on File
Deed Document Number	20231849
Deed Book / Page	1267 / 276
Prior Transfer Date	Dec 31, 2001
Prior Transfer Doc	0000006991
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	4541 HANCOCK CT, CHIPLEY, FL 32428-3122
Transaction Type	Mortgage
Record Updated	May 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4541 HANCOCK CT, CHIPLEY, FL 32428-3122

Mortgage

Document Number	0067001940
Date	Mar 17, 2021
Book Page	1201/73
Instrument	202167001940

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Mar 15, 2023
Property Address	4541 HANCOCK CT, CHIPLEY, FL 32428-3122
Document Number	0067001849
Book / Page	1267 / 276
Map Reference	MB 2 PG 42-54
Instrument Date	Mar 15, 2023
Instrument	202367001849
Transaction Type	Transfer
Record Updated	Apr 18, 2023
Title Company	PANHANDLE LAND TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4541 HANCOCK CT, CHIPLEY, FL 32428-3122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4541 HANCOCK CT, CHIPLEY, FL 32428-3122

Mortgage

Document Number	0000000278
Date	Mar 15, 2023
Instrument	1267/278

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Mortgage

Document Number	0067001851
Date	Mar 15, 2023
Book Page	1267/292
Instrument	202367001851

Lender

Name	ORION LENDING
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2033

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Mar 5, 2021
Property Address	4541 HANCOCK CT, CHIPLEY, FL 32428-3122
Document Number	0067001648
Book / Page	1200 / 221
Map Reference	MB 2 PG 42-54
Instrument Date	Feb 25, 2021
Instrument	202167001648
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4541 HANCOCK CT, 4541, CHIPLEY, FL 32428-3122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 15TH ST APT O, O, SPARKS, NV 89431-0872

Mortgage

Document Number	0067001649
Date	Mar 5, 2021
Book Page	1200/223
Instrument	202167001649

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

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	$3,399.00 (+27.02%)	$242,521 (+2.47%) Land $6,000 Building $236,521	$242,521 (+2.47%) Land $6,000 Building $236,521
2024	$2,676.00 (-9.38%) Homeowner's exemption	$236,682 (+10.77%) Land $6,000 Building $230,682	$236,682 (+10.77%) Land $6,000 Building $230,682
2023	$2,953.00 (+8.65%)	$213,670 (+9.52%) Land $5,000 Building $208,670	$213,670 (+9.52%) Land $5,000 Building $208,670
2022	$2,718.00	$195,089 Land $3,500 Building $191,589	$195,089 Land $3,500 Building $191,589

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 System	SUNNY HILLS UTILITY COMPANY public/private · serves 1,458 people · EPA ID FL1670647
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 30 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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