4978 Derby Dr, Chipley, FL 32428 Property Records

Washington County property record for 4978 Derby Dr, Chipley, FL 32428

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,296 sqft · built 2001
Lot Size	1 acres (43,604 sqft)
Owner	Individual Name on Record
Last Sale	$114,000 (Dec 2019)
Tax Bill	$682 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000041510719`

Property Details

APN / Parcel Number

Primary APN	`000041510719`
Alternative APN	`41510719`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,296 sqft Heated Area
Gross Area	1,896 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2010
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,604 sqft (1 acres)
Porch	Open Porch
Porch Area	480 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000041510719
Street Address	4978 DERBY DR
City	CHIPLEY
State	FL
Zip	32428-5690
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	LOT D-163 2ND ADD TO LEISURE LAKES REC PLAT (1.03 AC) ORB 1164 P 275
Legal Range	15W
Legal Township	01N
Legal Section	23
Legal Subdivision	LEISURE LAKES
Legal Block	4151
Legal Lot Number	D-163
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1009
Census Tract	970302

Owner

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

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	4978 DERBY DR, CHIPLEY, FL 32428-5690
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2019	Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND
Dec 13, 2018	Deed of Trust, Mortgage · FHA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2019 · Amount on Record
Deed Sale	Dec 17, 2019 · Amount on Record
Prior Sale	Sep 21, 2010 · Amount on Record
Deed Document Number	201967009916
Deed Book / Page	1164 / 0275
Record Updated	Jun 8, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Dec 17, 2019
Property Address	4978 DERBY DR, CHIPLEY, FL 32428-5690
Document Number	0067009916
Book / Page	001164 / 000275
Instrument Date	Dec 13, 2019
Instrument	67009916
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$798.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4978 DERBY DR CHIPLEY FL 324285690, CHIPLEY, FL 32428-5690

Mortgage

Document Number	67009917
Date	Dec 17, 2019
Book Page	001164/000277
Instrument	67009917

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	4978 DERBY DR, CHIPLEY, FL 32428-5690
Document Number	0067001890
Instrument Date	Dec 13, 2018
Transaction Type	Mortgage
Record Updated	Jun 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2101 W HIGHWAY 390 #725 LYNN HAVEN FL 324446508, 725, LYNN HAVEN, FL 32444-6508

Mortgage

Document Number	0067001890
Date	Mar 9, 2020
Book Page	001171/000398
Instrument	67001890

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2050

Tax Assessment & Valuation

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	$682.00 (+8.77%) Homeowner's exemption	$95,103 (+2.9%)	$125,588 (-18.2%) Land $14,000 Building $111,588
2024	$627.00 (+4.15%) Homeowner's exemption	$92,423 (+3%)	$153,527 (+21.41%) Land $12,500 Building $141,027
2023	$602.00 (-5.05%) Homeowner's exemption	$89,731 (+3%)	$126,450 (+10.23%) Land $10,000 Building $116,450
2022	$634.00 Homeowner's exemption	$87,117	$114,710 Land $8,500 Building $106,210

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 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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