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Single Family ResidenceResidential
$386,957$326 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $360,000 on May 15, 2023

3495 QUAIL RIDGE DR

CHIPLEY, FL 32428
2
Beds
2
Baths
1,188 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.
1.03 ac
Lot SizeThe size of the land the home sits on, from county records.
2017
Year BuiltThe year the home was originally built, according to county records.

Valuation

$387K
$368K low$406K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$360,000 · May 15, 2023
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$62,957
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$50,366
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.88%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$324,000
WHITNEY BANK · recorded Jan 30, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,193 (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.$199,142 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$193,530
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$313,153

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.52
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
41
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
96
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
84
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.
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
Lot (acres)The size of the land the home sits on, from county records.1.03
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 120 ft²Patio · 364 ft²Porch · 84 ft²

Transaction History(4)

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.

H
Vernon High SchoolC-
High · Grades 9–12 · 7.9 mi
M
Vernon Middle SchoolC
Middle · Grades 6–8 · 7.9 mi
E
Vernon Elementary SchoolC-
Elementary · Grades PK–5 · 9.0 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

3495 Quail Ridge Dr 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 89% of homes in Chipley 32428
  • Among the highest price per square foot in Chipley 32428
  • Smaller than 73% of homes in Chipley 32428
  • Newer than 89% of homes in Washington County

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
$52K$615K

This home is worth more than 89% 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$386,957
CheaperTypical $198,662Pricier

Pricier than 89% of homes nearby

Price per ft²$326
CheaperTypical $128Pricier

Pricier than almost all homes nearby

Living area1,188 ft²
SmallerTypical 1,494 ft²Bigger

Bigger than 27% of homes nearby

Lot size1.03 ac
SmallerTypical 1.6 acBigger

Bigger than 42% of homes nearby

Year built2017
OlderTypical 1991Newer

Newer than 88% of homes nearby

How 3495 Quail Ridge Dr ranks against every home in each area.
MeasureThis homeChipley 32428Washington County
Estimated valuepricier than$386,95789% of homes89% of homes
Price per ft²pricier than$326almost all homesalmost all homes
Living areabigger than1,188 ft²27% of homes29% of homes
Lot sizebigger than1.03 ac42% of homes36% of homes
Year builtnewer than201788% of homes89% of homes

About 3495 Quail Ridge Dr

How much is 3495 Quail Ridge Dr, Chipley, FL worth?

The TopHap Estimate for 3495 Quail Ridge Dr, Chipley, FL is $386,957 as of Jul 14, 2026. The likely range is $367,917 to $405,997. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3495 Quail Ridge Dr, Chipley, FL last sell?

3495 Quail Ridge Dr, Chipley, FL last sold on May 15, 2023 for $360,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3495 Quail Ridge Dr, Chipley, FL?

3495 Quail Ridge Dr, Chipley, FL has 2 bedrooms, 2 bathrooms, 1,188 square feet of living space and a 1.03-acre lot.

When was 3495 Quail Ridge Dr, Chipley, FL built?

3495 Quail Ridge Dr, Chipley, FL was built in 2017, making it 9 years old.

What schools serve 3495 Quail Ridge Dr, Chipley, FL?

3495 Quail Ridge Dr, Chipley, FL is assigned to Vernon High School (high), rated C-; Vernon Middle School (middle), rated C; Vernon Elementary School (elementary), rated C-. All sit in Washington County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3495 Quail Ridge Dr, Chipley, FL compare to other homes in Chipley 32428?

Among the 7,705 homes in Chipley 32428, it is worth more than 89% of them ($386,957 against a typical $198,662), its price per square foot is higher than almost all of them ($326 against a typical $128), it is bigger than 27% of them (1,188 ft² against a typical 1,494 ft²), its lot is bigger than 42% of them (1.03 ac against a typical 1.6 ac) and it is newer than 88% of them (2017 against a typical 1991). Measured against all of Washington County, it is worth more than 89% 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 3495 Quail Ridge Dr, Chipley, FL?

The 2025 property tax bill for 3495 Quail Ridge Dr, Chipley, FL was $2,193. The county assessed it at $199,142.

Closest homes

More homes in Chipley 32428

Assigned schools

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