5080 Pine Ridge Dr, Chipley, FL 32428 Property Records

Washington County property record for 5080 Pine Ridge Dr, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,699 sqft · built 2023
Lot Size	5.4 acres (235,224 sqft)
Owner	2 Individual Names on Record
Last Sale	$434,000 (Sep 2025)
Tax Bill	$2,267 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2023 Line of Credit + 6 more
Flood Zone	Zone A (high risk)
APN	`000031360303`

Property Details

APN / Parcel Number

Primary APN	`000031360303`
Alternative APNs	`00000000-00-3136-0303` `31360303`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,699 sqft Living Area
Gross Area	2,495 sqft
1st Floor Area	1,699 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	235,224 sqft (5.4 acres)
Garage Type	Attached
Garage Area	522 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5080 PINE RIDGE DR
City	CHIPLEY
State	FL
Zip	32428-5562
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	29 1 14 5.4 ORB 1348 P 34, LOT 3 UNREC SUBDV AS DESC IN ORB 1201 P 962 LYING IN SCTS 19 AND 30.
Legal Range	14W
Legal Township	01S
Legal Section	29
Legal Subdivision	UNREC SUBDV
Legal Block	3
Legal Lot Number	3
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1332
Census Tract	970301

Owner

Source: Washington County records, as of August 18, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	306 COCONUT GROVE CT, PANAMA CITY BEACH, FL 32407-3275
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 24, 2023	Deed of Trust, Mortgage · Line of Credit COMMUNITY SOUTH CU
Sep 17, 2025	Warranty Deed, Transfer NORTHWEST TITLE GROUP LLC
Apr 3, 2023	Intrafamily Transfer, Transfer
May 9, 2022	Quit Claim Deed, Transfer Quitclaim
Mar 26, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 8, 2021	Warranty Deed, Transfer NORTHWEST TITLE GROUP LLC
Jan 5, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2025 · Amount on Record
Deed Sale	Sep 17, 2025 · Amount on Record
Prior Sale	Mar 8, 2021 · Amount on Record
Deed Document Number	20256610
Deed Book / Page	1348 / 34
Prior Transfer Date	Apr 3, 2023
Prior Transfer Doc	0067002325
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Recording Date	Jul 20, 2026
Property Address	5080 PINE RIDGE DR, CHIPLEY, FL 32428-5562
Document Number	0000005599
Book / Page	1377 / 804
Instrument Date	Jul 10, 2026
Instrument	20265599
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5080 PINE RIDGE DR, CHIPLEY, FL 32428-5562
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005599,
Date	Jul 20, 2026
Book Page	1377/804
Instrument	20265599

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2056

Interest

Rate	6.52%
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	5080 PINE RIDGE DR, CHIPLEY, FL 32428-5562
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5080 PINE RIDGE DR, CHIPLEY, FL 32428-5562

Mortgage

Document Number	0067005096
Date	Jul 24, 2023
Book Page	1278/350
Instrument	202367005096

Lender

Name	COMMUNITY SOUTH CU
Type	Credit Union
Address	CHIPLEY, FL 32428

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 17, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Sep 17, 2025
Property Address	5080 PINE RIDGE DR, CHIPLEY, FL 32428-5562
Document Number	0067006610
Book / Page	1348 / 34
Instrument Date	Sep 17, 2025
Instrument	202567006610
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$3,038.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5080 PINE RIDGE DR, CHIPLEY, FL 32428-5562

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 COCONUT GROVE CT, PANAMA CITY BEACH, FL 32407-3275
Investor	Possibly a Property Investor

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WASHINGTON FL
Recording Date	Apr 3, 2023
Property Address	5080 PINE RIDGE DR, CHIPLEY, FL 32428-5562
Document Number	0067002325
Book / Page	1268 / 555
Instrument Date	Apr 3, 2023
Instrument	202367002325
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5080 PINE RIDGE DR, CHIPLEY, FL 32428-5562

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5080 PINE RIDGE DR, CHIPLEY, FL 32428-5562

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	May 9, 2022
Property Address	5080 PINE RIDGE DR, CHIPLEY, FL 32428-5562
Document Number	0067004181
Book / Page	1241 / 125
Instrument Date	May 9, 2022
Instrument	202267004181
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8668 NAVARRE PKWY, NAVARRE, FL 32566-2185

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5080 PINE RIDGE DR, CHIPLEY, FL 32428-5562

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	Mar 26, 2021
Property Address	5080 PINE RIDGE DR, CHIPLEY, FL 32428-5562
Document Number	0067002226
Book / Page	1201 / 962
Instrument Date	Mar 26, 2021
Instrument	202167002226
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8668 NAVARRE PKWY, NAVARRE, FL 32566-2185

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8668 NAVARRE PKWY # 204, NAVARRE, FL 32566-2185

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Mar 8, 2021
Property Address	5080 PINE RIDGE DR, CHIPLEY, FL 32428-5562
Document Number	0067001711
Book / Page	1200 / 441
Instrument Date	Mar 8, 2021
Instrument	202167001711
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$269.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4310 CHAPEL BRANCH DR, VERNON, FL 32462-5006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8668 NAVARRE PKWY # 204, NAVARRE, FL 32566-2185

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jan 5, 2018
Property Address	5080 PINE RIDGE DR, CHIPLEY, FL 32428-5562
Document Number	0067000115
Book / Page	001107 / 000785
Instrument Date	Dec 22, 2017
Instrument	67000115
Transaction Type	Transfer
Record Updated	Jan 16, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$210.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5704 HUMMINGBIRD RD BASCOM FL 324239275, BASCOM, FL 32423-9275

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	$2,267.00 (+6.58%)	$204,560 (+2.9%)	$228,295 (+14.84%) Land $35,100 Building $193,195
2024	$2,127.00 (+344.05%) Homeowner's exemption	$198,795 (+466.37%) Land $35,100 Building $163,695	$198,795 (+466.37%) Land $35,100 Building $163,695
2023	$479.00 (+7.64%)	$35,100 (+8.33%) Land $35,100	$35,100 (+8.33%) Land $35,100
2022	$445.00	$32,400 Land $32,400	$32,400 Land $32,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	16 (1994–2021)
Claims Outside the SFHA	9 of 16
Most Recent Claim	Nov 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 2 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 51% of the US · lower than 78% 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.

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)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Wildstar Networks Fixed Wireless	200 / 50

May also be available: Xfinity.

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