Washington County property record for 4543 Spendabuck Ct, Chipley, FL 32428
| Property Type | Manufactured or Modular Home |
|---|---|
| Details | 4 bd · 2 ba · 2,262 sqft · built 2020 |
| Lot Size | 2.21 acres (96,268 sqft) |
| Owner | Individual Name on File |
| Last Sale | $21,900 (Jul 2020) |
| Tax Bill | $1,235 (2025) |
| Deeds & Mortgages | Dec 2020 Loan Modification Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 000041510182 |
| Primary APN | 000041510182 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,262 sqft Heated Area |
| Gross Area | 2,592 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Architectural Style | Modular |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 96,268 sqft (2.21 acres) |
| Porch | Open Porch |
| Patio Area | 312 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 000041510182 |
|---|---|
| Street Address | 4543 SPENDABUCK CT |
| City | CHIPLEY |
| State | FL |
| Zip | 32428-5694 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Manufactured or Modular Home |
| Legal Description | LOT B-182 LEISURE LAKES 1ST ADD, ORB 1180 P 923 |
| Legal Range | 15W |
| Legal Township | 01N |
| Legal Section | 11 |
| Legal Subdivision | LEISURE LAKES 1ST ADD |
| Legal Block | 182 |
| Legal Lot Number | B-182 |
| Jurisdiction | WASHINGTON FL |
| Township / Civil Division | VERNON |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 970302 |
4543 Spendabuck Ct, a residential property, is owned and occupied by an individual who bought it in July 2020.
Source: Washington County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4543 SPENDABUCK CT, CHIPLEY, FL 32428-5694 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Dec 4, 2020 | Loan Modification, Mortgage COUNTRYPLACE MTG |
| Jul 14, 2020 | Warranty Deed, Transfer · FHA Mortgage COUNTRYPLACE MORTGAGE LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2020 · Amount on File |
| Deed Sale | Jul 14, 2020 · Amount on File |
| Deed Document Number | 202067004609 |
| Deed Book / Page | 1180 / 923 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 4543 SPENDABUCK CT, CHIPLEY, FL 32428-5694 |
| Document Number | 0067008811 |
| Instrument Date | Dec 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4543 PSENDABUCK CT CHIPLEY FL 32428, CHIPLEY, FL 32428 |
| Document Number | 0067008811 |
|---|---|
| Date | Dec 28, 2020 |
| Book Page | 001194/000356 |
| Instrument | 67008811 |
| Name | COUNTRYPLACE MTG |
|---|---|
| Address | FLINT, MI 48501-2026 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 27, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | Jul 14, 2020 |
| Property Address | 4543 SPENDABUCK CT, CHIPLEY, FL 32428-5694 |
| Document Number | 0067004609 |
| Book / Page | 1180 / 923 |
| Map Reference | MB 3 PG 179 |
| Instrument Date | Jul 10, 2020 |
| Instrument | 202067004609 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2021 |
| Title Company | PANHANDLE LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $153.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3266 MARVILLE PL, 3266, WILSON, NY 14172 |
| Name | Verified Name |
|---|---|
| Address | 7539A HOLLEY CIR, PANAMA CITY, FL 32408-4953 |
| Document Number | 0000000925 |
|---|---|
| Date | Jul 14, 2020 |
| Instrument | 1180/925 |
| Name | COUNTRYPLACE MORTGAGE LTD |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 363 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 4543 Spendabuck Ct was $1,235 with a homeowner's exemption, up 7.2% 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 | $1,235.00 (+7.2%) Homeowner's exemption | $130,024 (+2.9%) | $242,703 (+23.78%) Land $29,172 Building $213,531 |
| 2024 | $1,152.00 (+3.78%) Homeowner's exemption | $126,360 (+3.58%) | $196,069 (+22.76%) Land $28,730 Building $167,339 |
| 2023 | $1,110.00 (+3.54%) Homeowner's exemption | $121,996 (+3%) | $159,713 (+13.15%) Land $24,310 Building $135,403 |
| 2022 | $1,072.00 Homeowner's exemption | $118,443 | $141,153 Land $18,785 Building $122,368 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4543 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 4543 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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