4944 Derby Dr, Chipley, FL 32428 Property Records

Washington County property record for 4944 Derby Dr, Chipley, FL 32428

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,456 sqft · built 2021
Lot Size	1.01 acres (44,256 sqft)
Owner	Individual Name on Record
Last Sale	$12,000 (Sep 2021)
Tax Bill	$682 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000041510713`

Property Details

APN / Parcel Number

Primary APN	`000041510713`
Alternative APNs	`00000000-00-4151-0713` `41510713`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,456 sqft Living Area
Gross Area	1,512 sqft
1st Floor Area	1,456 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,256 sqft (1.01 acres)
Garage Type	Detached
Garage Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4944 DERBY DR
City	CHIPLEY
State	FL
Zip	32428-5690
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT D-157 2ND ADD TO LEISURE LAKES REC PLAT (1.03 AC) ORB 1218 P 153
Legal Range	15W
Legal Township	01S
Legal Section	23
Legal Subdivision	2ND ADD TO LEISURE LAKES
Legal Block	13
Legal Lot Number	D-157
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1009
Census Tract	970302

Owner

Source: Washington County records, as of May 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4944 DERBY DR, CHIPLEY, FL 32428-5690
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Sep 17, 2021	Warranty Deed, Transfer · FHA Mortgage VANDERBILT MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Deed Document Number	202167006838
Deed Book / Page	1218 / 153
Prior Transfer Date	Jan 8, 2016
Prior Transfer Doc	0067000143
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Recording Date	Apr 22, 2026
Property Address	4944 DERBY DR, CHIPLEY, FL 32428-5690
Document Number	0000003031
Book / Page	1368 / 792
Instrument Date	Apr 7, 2026
Instrument	20263031
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	4944 DERBY DR, CHIPLEY, FL 32428-5690

Mortgage

Document Number	0000003031,
Date	Apr 22, 2026
Book Page	1368/792
Instrument	20263031

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	310 Months
Due	Feb 1, 2052

Interest

Rate	6.11%
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Sep 17, 2021
Property Address	4944 DERBY DR, CHIPLEY, FL 32428-5690
Document Number	0067006838
Book / Page	1218 / 153
Map Reference	MB 3 PG 186
Instrument Date	Sep 16, 2021
Instrument	202167006838
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Tax	$84.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2021 HEWETT LN, COTTONDALE, FL 32431-6849

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 STANFORD RD, PANAMA CITY, FL 32405-3559

Mortgage

Document Number	0000000155
Date	Sep 17, 2021
Instrument	1218/155

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	$682.00 (+8.77%) Homeowner's exemption Widower's exemption	$95,121 (+2.9%)	$149,620 (+25.69%) Land $14,000 Building $135,620
2024	$627.00 (+4.15%) Homeowner's exemption	$92,440 (+3%)	$119,040 (+22.9%) Land $12,500 Building $106,540
2023	$602.00 (-0.99%) Homeowner's exemption	$89,748 (+5.29%)	$96,862 (+13.63%) Land $10,000 Building $86,862
2022	$608.00 Homeowner's exemption	$85,241 Land $8,500 Building $76,741	$85,241 Land $8,500 Building $76,741

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 2 claims Severe Storms And Flooding (tropical Storm Alberto), Jul 1994 · 4 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	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G and 4G LTE (outdoors only)

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