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Single Family ResidenceResidential
$402,644$144 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 70How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

1082 GARNER WAY

CHIPLEY, FL 32428
4
Baths
2,802 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
11 ac
Lot SizeThe size of the land the home sits on, from county records.
1991
Year BuiltThe year the home was originally built, according to county records.

Valuation

$403K
$283K low$522K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,616 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$195,656 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$190,207
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$398,755

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.59
90
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
97
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
67
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
5
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.121 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyWashington
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2008
Lot (acres)The size of the land the home sits on, from county records.11.00
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Roulhac Middle SchoolB+
Middle · Grades 6–8 · 2.4 mi
E
Kate M. Smith Elementary SchoolC
Elementary · Grades KG–5 · 2.5 mi
H
Chipley High SchoolC
High · Grades 9–12 · 2.5 mi

District: Washington County School District

Neighborhood · ZIP 32428These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.76
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.25

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.6.9%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.17,198
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.56 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$53,611
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$68,933
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.62 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1082 Garner Way measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 92% of homes in Washington County
  • Bigger than 96% of homes in Washington County
  • Has a bigger lot than 88% of homes in Chipley 32428

What homes are worth in Chipley 32428

Each bar is how many homes fall in that price range. The marker is this home.

This home
$47K$590K

This home is worth more than 91% of homes in Chipley 32428.

How it measures up in Chipley 32428

The dot is this home. The mark in the middle is the typical home in Chipley 32428.

Estimated value$402,644
CheaperTypical $201,339Pricier

Pricier than 91% of homes nearby

Price per ft²$144
CheaperTypical $133Pricier

Pricier than 57% of homes nearby

Living area2,802 ft²
SmallerTypical 1,485 ft²Bigger

Bigger than 95% of homes nearby

Lot size11 ac
SmallerTypical 1.62 acBigger

Bigger than 88% of homes nearby

Year built1991
OlderTypical 1992Newer

Newer than 50% of homes nearby

How 1082 Garner Way ranks against every home in each area.
MeasureThis homeChipley 32428Washington County
Estimated valuepricier than$402,64491% of homes92% of homes
Price per ft²pricier than$14457% of homes59% of homes
Living areabigger than2,802 ft²95% of homes96% of homes
Lot sizebigger than11 ac88% of homes84% of homes
Year builtnewer than199150% of homes52% of homes

About 1082 Garner Way

How much is 1082 Garner Way, Chipley, FL worth?

The TopHap Estimate for 1082 Garner Way, Chipley, FL is $402,644 as of Sep 24, 2026. The likely range is $283,004 to $522,284. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1082 Garner Way, Chipley, FL last sell?

1082 Garner Way, Chipley, FL last sold on May 5, 2006, according to the county's recorded deed.

How big is 1082 Garner Way, Chipley, FL?

1082 Garner Way, Chipley, FL has 4 bathrooms, 2,802 square feet of living space and a 11.00-acre lot.

When was 1082 Garner Way, Chipley, FL built?

1082 Garner Way, Chipley, FL was built in 1991, making it 35 years old.

What schools serve 1082 Garner Way, Chipley, FL?

1082 Garner Way, Chipley, FL is assigned to Roulhac Middle School (middle), rated B+; Kate M. Smith Elementary School (elementary), rated C; Chipley High School (high), rated C. All sit in Washington County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1082 Garner Way, Chipley, FL compare to other homes in Chipley 32428?

Among the 7,684 homes in Chipley 32428, it is worth more than 91% of them ($402,644 against a typical $201,339), its price per square foot is higher than 57% of them ($144 against a typical $133), it is bigger than 95% of them (2,802 ft² against a typical 1,485 ft²), its lot is bigger than 88% of them (11 ac against a typical 1.62 ac) and it is newer than 50% of them (1991 against a typical 1992). Measured against all of Washington County, it is worth more than 92% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1082 Garner Way, Chipley, FL?

The 2025 property tax bill for 1082 Garner Way, Chipley, FL was $1,616. The county assessed it at $195,656.

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