5091 Pine Ridge Dr, Chipley, FL 32428 Property Records

Washington County property record for 5091 Pine Ridge Dr, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,645 sqft · built 1997
Lot Size	1.55 acres (67,954 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Aug 2022)
Tax Bill	$4,283 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000031360218`

Property Details

APN / Parcel Number

Primary APN	`000031360218`
Alternative APN	`31360218`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,645 sqft Heated Area
Gross Area	4,069 sqft
Basement Area	843 sqft
Finished Basement	843 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2015
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	67,954 sqft (1.55 acres)
Garage Type	Finished
Garage Area	462 sqft
Porch	Finished/Screened Porch
Porch Area	962 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000031360218
Street Address	5091 PINE RIDGE DR
City	CHIPLEY
State	FL
Zip	32428-5563
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 PINE LAKE ESTATES PHASE II 1.09 AC ORB 1249 P 801, LESS ORB 984 P 170
Legal Range	14W
Legal Township	01N
Legal Section	29
Legal Subdivision	PINE LAKE ESTATES PHASE II
Legal Phase	2
Legal Block	3136
Legal Lot Number	18
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1332
Census Tract	970301

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
Co-owner	Co-owner on Record
Mailing Address	5091 PINE RIDGE DR, CHIPLEY, FL 32428-5563
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2022 · Amount on Record
Deed Sale	Aug 1, 2022 · Amount on Record
Prior Sale	Apr 22, 2014 · Amount on Record
Deed Document Number	202267006639
Deed Book / Page	1249 / 801
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Aug 1, 2022
Property Address	5091 PINE RIDGE DR, CHIPLEY, FL 32428-5563
Document Number	0067006639
Book / Page	1249 / 801
Map Reference	MB 3 PG 247
Instrument Date	Jul 29, 2022
Instrument	202267006639
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	UNKNOWN, DEFENDER T&E AGCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3000 DEERWOOD RD, SOUTHPORT, FL 32409-1618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 HARVARD CIR, PANAMA CITY, FL 32405-3565

Mortgage

Document Number	0000000803
Date	Aug 1, 2022
Instrument	1249/803

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	5091 PINE RIDGE DR, CHIPLEY, FL 32428-5563
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067007196
Date	Sep 11, 2019
Book Page	1155/0824
Instrument	201967007196

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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	$4,283.00 (+6.23%) Homeowner's exemption	$350,090 (+2.9%)	$385,909 (-0.62%) Land $45,150 Building $340,759
2024	$4,032.00 (+1.97%) Homeowner's exemption	$340,224 (+3%)	$388,304 (+15.04%) Land $44,100 Building $344,204
2023	$3,954.00 (+5.27%) Homeowner's exemption	$330,315 (+11.64%)	$337,536 (+14.08%) Land $30,000 Building $307,536
2022	$3,756.00	$295,873 Land $26,000 Building $269,873	$295,873 Land $26,000 Building $269,873

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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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