5191 Pine Ridge Dr, Chipley, FL 32428 Property Records

Washington County property record for 5191 Pine Ridge Dr, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,200 sqft · built 2005
Lot Size	1.35 acres (58,980 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Nov 2010)
Tax Bill	$2,323 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Apr 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000031360411`

Property Details

APN / Parcel Number

Primary APN	`000031360411`
Alternative APN	`31360411`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	3,200 sqft Heated Area
Gross Area	4,304 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2011
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	58,980 sqft (1.35 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	384 sqft
Deck Area	50 sqft
Patio Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000031360411
Street Address	5191 PINE RIDGE DR
City	CHIPLEY
State	FL
Zip	32428-6519
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 PINE LAKE EST PHASE III 1.35 AC ORB 869 P 691, ORB 1099 P 292
Legal Range	14W
Legal Township	01N
Legal Section	29
Legal Subdivision	PINE LAKE ESTATE
Legal Phase	3
Legal Block	3136
Legal Lot Number	11
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1332
Census Tract	970301

Owner

Source: Washington County records · APN 000031360411

Assessment roll updated July 1, 2025 · Last verified January 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 File
Mailing Address	5191 PINE RIDGE DR, CHIPLEY, FL 32428-6519
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FINANCIAL CU
Apr 16, 2019	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
Sep 14, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 23, 2010 · Amount on Record
Deed Sale	Nov 23, 2010 · Amount on Record
Prior Sale	Nov 23, 2010 · Amount on Record
Deed Document Number	0067006314
Deed Book / Page	000869 / 000069
Last Transfer Date	Sep 14, 2017
Transfer Doc	0067006304
Record Updated	Jun 08, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	5191 PINE RIDGE DR, CHIPLEY, FL 32428-6519
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067006664
Date	Sep 22, 2023
Book Page	1283/479
Instrument	202367006664

Lender

Name	INNOVATIONS FINANCIAL CU
Type	Credit Union
Address	PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 21, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WASHINGTON FL
Property Address	5191 PINE RIDGE DR, CHIPLEY, FL 32428-6519
Document Number	0067003721
Instrument Date	Apr 16, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5191 PINE RIDGE DR CHIPLEY FL 324286519, CHIPLEY, FL 32428-6519

Mortgage

Document Number	0067003721
Date	May 14, 2019
Book Page	001145/000087
Instrument	67003721

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2049

Interest

Rate	4.25%

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	Sep 14, 2017
Property Address	5191 PINE RIDGE DR, CHIPLEY, FL 32428-6519
Document Number	0067006304
Book / Page	001099 / 000292
Instrument Date	Aug 31, 2017
Instrument	67006304
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$175.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5191 PINE RIDGE DR CHIPLEY FL 324286519, CHIPLEY, FL 32428-6519

Tax Assessment & Valuation

Source: Washington County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Washington County
Unified School District	Washington County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,323.00 (+6.56%) Homeowner's exemption	$208,586 (+2.9%)	$356,454 (+10.77%) Land $45,150 Building $311,304
2024	$2,180.00 (+2.25%) Homeowner's exemption	$202,707 (+3%)	$321,800 (+13.41%) Land $44,100 Building $277,700
2023	$2,132.00 (+2.95%) Homeowner's exemption	$196,803 (+3%)	$283,759 (+10.19%) Land $30,000 Building $253,759
2022	$2,071.00 Homeowner's exemption	$191,071	$257,527 Land $26,000 Building $231,527

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2011 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 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

Wildfire

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Wildstar Networks Fixed Wireless	200 / 50

Based on FCC filings for 14 locations within half a mile of this property.

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