4970 Derby Dr, Chipley, FL 32428 Property Records

Washington County property record for 4970 Derby Dr, Chipley, FL 32428

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,840 sqft · built 2020
Lot Size	1 acres (43,691 sqft)
Owner	Individual Name on File
Last Sale	$12,500 (Apr 2019)
Tax Bill	$867 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000041510717`

Property Details

APN / Parcel Number

Primary APN	`000041510717`
Alternative APN	`41510717`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,840 sqft Heated Area
Gross Area	1,980 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,691 sqft (1 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000041510717
Street Address	4970 DERBY DR
City	CHIPLEY
State	FL
Zip	32428-5690
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	LOT D-161 2ND ADDITION TO LEISURE LAKES REC PLAT, ORB 1162 P 658
Legal Range	15W
Legal Township	01N
Legal Section	23
Legal Subdivision	LEISURE LAKES
Legal Block	4151
Legal Lot Number	D-161
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1009
Census Tract	970302

Owner

4970 Derby Dr, a residential property, is owned and occupied by an individual who acquired it in November 2019.

Source: Washington County records, as of December 22, 2025

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	Individual Name on File
Mailing Address	4970 DERBY DR, CHIPLEY, FL 32428-5690
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LENDING CORP
Nov 26, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 9, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2019 · Amount on File
Deed Sale	Apr 9, 2019 · Amount on File
Prior Sale	Apr 9, 2019 · Amount on File
Deed Document Number	0067002647
Deed Book / Page	001141 / 000896
Last Transfer Date	Nov 26, 2019
Transfer Doc	0067009342
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	4970 DERBY DR, CHIPLEY, FL 32428-5690
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4970 DERBY DR, CHIPLEY, FL 32428-5690

Mortgage

Document Number	0067002511
Date	Apr 7, 2021
Book Page	1202/889
Instrument	202167002511

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	Nov 26, 2019
Property Address	4970 DERBY DR, CHIPLEY, FL 32428-5690
Document Number	0067009342
Book / Page	001162 / 000658
Instrument Date	Nov 26, 2019
Instrument	67009342
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 124 GOTHA FL 347340124, GOTHA, FL 34734-0124

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Apr 9, 2019
Property Address	4970 DERBY DR, CHIPLEY, FL 32428-5690
Document Number	0067002647
Book / Page	001141 / 000896
Instrument Date	Apr 8, 2019
Instrument	67002647
Transaction Type	Transfer
Record Updated	Apr 18, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$87.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4530 LEISURE LAKES DR CHIPLEY FL 324285604, CHIPLEY, FL 32428-5604

Tax Assessment & Valuation

The 2025 property tax bill for 4970 Derby Dr was $867 with a homeowner's exemption, up 7.8% from the year before.

Source: Washington County assessment roll, as of July 1, 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	$867.00 (+7.84%) Homeowner's exemption	$103,452 (+2.9%)	$189,204 (+26.14%) Land $14,000 Building $175,204
2024	$804.00 (+3.34%) Homeowner's exemption	$100,536 (+3%)	$149,992 (+22.97%) Land $12,500 Building $137,492
2023	$778.00 (+4.99%) Homeowner's exemption	$97,608 (+3.42%)	$121,972 (+11.46%) Land $10,000 Building $111,972
2022	$741.00 Homeowner's exemption	$94,377	$109,432 Land $8,500 Building $100,932

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4970 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	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

Wildfire risk around 4970 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.

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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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