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Single Family ResidenceResidential
$195,624$142 / 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 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $185,000 on Aug 4, 2025

3910 MERGER DR

CHIPLEY, FL 32428
1.5
Baths
1,377 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$196K
$176K low$215K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$185,000 · Aug 4, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,800 (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.$167,840 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$163,110
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$175,599

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.44
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
35
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.

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.2009
Lot (acres)The size of the land the home sits on, from county records.0.23
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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 · 220 ft²

Transaction History(3)

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
Vernon Middle SchoolC
Middle · Grades 6–8 · 6.1 mi
H
Vernon High SchoolC-
High · Grades 9–12 · 6.1 mi
E
Vernon Elementary SchoolC-
Elementary · Grades PK–5 · 7.5 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%

Owner Tools

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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

3910 Merger 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.

  • Has a smaller lot than 96% 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
$51K$588K

This home is worth more than 50% 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$195,624
CheaperTypical $194,068Pricier

Pricier than 50% of homes nearby

Price per ft²$142
CheaperTypical $128Pricier

Pricier than 60% of homes nearby

Living area1,377 ft²
SmallerTypical 1,488 ft²Bigger

Bigger than 42% of homes nearby

Lot size0.23 ac
SmallerTypical 1.62 acBigger

Bigger than 4% of homes nearby

Year built1989
OlderTypical 1991Newer

Newer than 48% of homes nearby

How 3910 Merger Dr ranks against every home in each area.
MeasureThis homeChipley 32428Washington County
Estimated valuepricier than$195,62450% of homes52% of homes
Price per ft²pricier than$14260% of homes61% of homes
Living areabigger than1,377 ft²42% of homes44% of homes
Lot sizebigger than0.23 ac4% of homes4% of homes
Year builtnewer than198948% of homes50% of homes

About 3910 Merger Dr

How much is 3910 Merger Dr, Chipley, FL worth?

The TopHap Estimate for 3910 Merger Dr, Chipley, FL is $195,624 as of Aug 30, 2026. The likely range is $176,150 to $215,098. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3910 Merger Dr, Chipley, FL last sell?

3910 Merger Dr, Chipley, FL last sold on Aug 4, 2025 for $185,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3910 Merger Dr, Chipley, FL?

3910 Merger Dr, Chipley, FL has 1.5 bathrooms, 1,377 square feet of living space and a 0.23-acre lot.

When was 3910 Merger Dr, Chipley, FL built?

3910 Merger Dr, Chipley, FL was built in 1989, making it 37 years old. The building has 1 story.

What schools serve 3910 Merger Dr, Chipley, FL?

3910 Merger Dr, Chipley, FL is assigned to Vernon Middle School (middle), rated C; Vernon High School (high), 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 3910 Merger Dr, Chipley, FL compare to other homes in Chipley 32428?

Among the 7,696 homes in Chipley 32428, it is worth more than 50% of them ($195,624 against a typical $194,068), its price per square foot is higher than 60% of them ($142 against a typical $128), it is bigger than 42% of them (1,377 ft² against a typical 1,488 ft²), its lot is bigger than 4% of them (0.23 ac against a typical 1.62 ac) and it is newer than 48% of them (1989 against a typical 1991). Measured against all of Washington County, it is worth more than 52% 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 3910 Merger Dr, Chipley, FL?

The 2025 property tax bill for 3910 Merger Dr, Chipley, FL was $1,800. The county assessed it at $167,840.

More homes on Merger Dr

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