Washington County property record for 4911 Derby Dr, Chipley, FL 32428
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,477 sqft · built 2003 |
| Lot Size | 1.99 acres (86,989 sqft) |
| Owner | Individual Name on File |
| Last Sale | $239,900 (May 2018) |
| Tax Bill | $2,391 (2025) |
| Deeds & Mortgages | Feb 2025 Line of Credit Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 000041510742 |
| Primary APN | 000041510742 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,477 sqft Heated Area |
| Gross Area | 3,229 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 86,989 sqft (1.99 acres) |
| Garage Type | Finished |
| Garage Area | 576 sqft |
| Porch | Open Porch |
| Porch Area | 176 sqft |
| Deck Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 000041510742 |
|---|---|
| Street Address | 4911 DERBY DR |
| City | CHIPLEY |
| State | FL |
| Zip | 32428-5691 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT D-185 & D-186, 2ND ADD TO LEISURE LAKES REC PLAT(.480 AC & 1.03 AC).ALSO 2 LOTS AS DESC IN ORB 1116 P 796(.96 AC). |
| Legal Range | 15W |
| Legal Township | 01N |
| Legal Section | 23 |
| Legal Subdivision | LEISURE LAKES |
| Legal Block | 4151 |
| Legal Lot Number | D-185 D |
| Jurisdiction | WASHINGTON FL |
| Township / Civil Division | VERNON |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 970302 |
4911 Derby Dr is owned and occupied by an individual who bought it in May 2018.
Source: Washington County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4911 DERBY DR, CHIPLEY, FL 32428-5691 |
| 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 |
|---|---|
| Feb 5, 2025 | Deed of Trust, Mortgage · Line of Credit TYNDALL FCU |
| Oct 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CONTOUR MORTGAGE CORP |
| May 2, 2018 | Warranty Deed, Transfer · FHA Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2018 · Amount on File |
| Deed Sale | May 2, 2018 · Amount on File |
| Deed Document Number | 201867003033 |
| Deed Book / Page | 1116 / 796 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 4911 DERBY DR, CHIPLEY, FL 32428-5691 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0067000717 |
|---|---|
| Date | Feb 5, 2025 |
| Book Page | 1327/222 |
| Instrument | 202567000717 |
| Name | TYNDALL FCU |
|---|---|
| Type | Credit Union |
| Address | PO BOX 59760, PANAMA CITY, FL 32412 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2045 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 4911 DERBY DR, CHIPLEY, FL 32428-5691 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0067007322 |
|---|---|
| Date | Oct 1, 2021 |
| Book Page | 1219/732 |
| Instrument | 202167007322 |
| Name | CONTOUR MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | GARDEN CITY, NY 11530 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | May 2, 2018 |
| Property Address | 4911 DERBY DR, CHIPLEY, FL 32428-5691 |
| Document Number | 0067003033 |
| Book / Page | 1116 / 796 |
| Map Reference | MB3 PG186 |
| Instrument Date | May 1, 2018 |
| Instrument | 201867003033 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2021 |
| Title Company | DIAMOND TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4911 DERBY DR, CHIPLEY, FL 32428-5691 |
| Document Number | 0067003034 |
|---|---|
| Date | May 2, 2018 |
| Instrument | 201867003034 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 4911 Derby Dr was $2,391 with a homeowner's exemption, up 6.6% 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 | $2,391.00 (+6.55%) Homeowner's exemption | $213,496 (+2.9%) | $379,449 (+15.17%) Land $34,528 Building $344,921 |
| 2024 | $2,244.00 (+2.61%) Homeowner's exemption | $207,479 (+3.3%) | $329,468 (+10.82%) Land $30,760 Building $298,708 |
| 2023 | $2,187.00 (+2.92%) Homeowner's exemption | $200,853 (+3%) | $297,307 (+11.13%) Land $25,760 Building $271,547 |
| 2022 | $2,125.00 Homeowner's exemption | $195,003 | $267,539 Land $20,648 Building $246,891 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4911 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 4911 Derby Dr is moderate, ranking above 61% 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 61% of the US · lower than 65% 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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