Washington County property record for 4812 Derby Dr, Chipley, FL 32428
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,489 sqft · built 2024 |
| Lot Size | 1.52 acres (66,211 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $340,000 (Feb 2026) |
| Tax Bill | $331 (2024) |
| Deeds & Mortgages | Aug 2023 Construction Loan Feb 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 000041510077 |
| Primary APN | 000041510077 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,489 sqft Living Area |
| Gross Area | 2,315 sqft |
| 1st Floor Area | 1,489 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 66,211 sqft (1.52 acres) |
| Garage Type | Carport |
| Garage Area | 460 sqft |
| Carport | Carport |
| Carport Area | 460 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4812 DERBY DR |
|---|---|
| City | CHIPLEY |
| State | FL |
| Zip | 32428-5692 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT B-77, LEISURE LAKES 1ST ADDITION REC PLAT, ORB 1314 P 814 |
| Legal Range | 15W |
| Legal Township | 01S |
| Legal Section | 23 |
| Legal Subdivision | LEISURE LAKES 1ST ADDITION |
| Legal Block | 77 |
| Legal Lot Number | B-77 |
| Jurisdiction | WASHINGTON FL |
| Township / Civil Division | VERNON |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 970302 |
4812 Derby Dr is owned and occupied by two individuals who bought it in February 2026.
Source: Washington County records, as of March 17, 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 | 4812 DERBY DR, CHIPLEY, FL 32428-5692 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 7, 2023 | Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK OF GRACEVILLE |
| Feb 19, 2026 | Warranty Deed, Transfer · VA Mortgage BAYWAY MORTGAGE GROUP |
| Sep 6, 2024 | Warranty Deed, Transfer · VA Mortgage FLAT BRANCH HOME LOANS INC |
| May 30, 2023 | Warranty Deed, Transfer DIAMOND TITLE AGENCY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2026 · Amount on File |
| Deed Sale | Feb 19, 2026 · Amount on File |
| Prior Sale | Sep 6, 2024 · Amount on File |
| Deed Document Number | 20261211 |
| Deed Book / Page | 1362 / 196 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 4812 DERBY DR, CHIPLEY, FL 32428-5692 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3445 CARDINAL PL, CHIPLEY, FL 32428-5637 |
| Document Number | 0067005511 |
|---|---|
| Date | Aug 7, 2023 |
| Book Page | 1279/767 |
| Instrument | 202367005511 |
| Name | PEOPLES BANK OF GRACEVILLE |
|---|---|
| Type | Bank |
| Address | GRACEVILLE, FL 32440 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | Feb 19, 2026 |
| Property Address | 4812 DERBY DR, CHIPLEY, FL 32428-5692 |
| Document Number | 0067001211 |
| Book / Page | 1362 / 196 |
| Map Reference | MB 3 PG 179 |
| Instrument Date | Feb 17, 2026 |
| Instrument | 202667001211 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2026 |
| Title Company | ANCHOR TITLE COMPANY, ANCHOR TITLE CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,380.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 745 E VIVIAN ST, BOLIVAR, MO 65613-1377 |
| Name | Verified Name |
|---|---|
| Address | 4812 DERBY DR, CHIPLEY, FL 32428-5692 |
| Document Number | 0000000198 |
|---|---|
| Date | Feb 19, 2026 |
| Instrument | 1362/198 |
| Name | BAYWAY MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | Sep 6, 2024 |
| Property Address | 4812 DERBY DR, CHIPLEY, FL 32428-5692 |
| Document Number | 0067006566 |
| Book / Page | 1314 / 814 |
| Map Reference | MB 3 PGS 179 |
| Instrument Date | Sep 5, 2024 |
| Instrument | 202467006566 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | DIAMOND TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,205.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3445 CARDINAL PL, CHIPLEY, FL 32428-5637 |
| Name | Verified Name |
|---|---|
| Address | 4812 DERBY DR, CHIPLEY, FL 32428-5692 |
| Document Number | 0000000816 |
|---|---|
| Date | Sep 6, 2024 |
| Instrument | 1314/816 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | May 30, 2023 |
| Property Address | 4812 DERBY DR, CHIPLEY, FL 32428-5692 |
| Document Number | 0067003688 |
| Book / Page | 1273 / 339 |
| Map Reference | MB 3 PG 179 |
| Instrument Date | May 27, 2023 |
| Instrument | 202367003688 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2024 |
| Title Company | DIAMOND TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $245.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3445 CARDINAL PL, CHIPLEY, FL 32428-5637 |
Source: Washington County assessment roll, as of December 3, 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 | $196,077 (+706.24%) Land $24,320 Building $171,757 | $196,077 (+706.24%) Land $24,320 Building $171,757 | |
| 2024 | $331.00 (+65.5%) | $24,320 (+14.29%) Land $24,320 | $24,320 (+14.29%) Land $24,320 |
| 2023 | $200.00 (+23.46%) | $21,280 (+4%) Land $21,280 | $21,280 (+4%) Land $21,280 |
| 2022 | $162.00 | $15,200 Land $15,200 | $15,200 Land $15,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 4812 Derby Dr 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 4812 Derby Dr is moderate, ranking above 57% 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 57% of the US · lower than 70% 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 36 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 |
| Verizon Fixed Wireless | 25 / 6 |
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