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Single Family ResidenceResidential
$296,448$213 / 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 86How 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 $290,000 on Apr 2, 2026

3965 STILLWATER DR

CHIPLEY, FL 32428
2
Baths
1,392 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.
0.8 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$296K
$254K low$339K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$290,000 · Apr 2, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,642 (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.$157,918 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$152,680
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$191,434

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.
34
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.
89
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
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.2010
Lot (acres)The size of the land the home sits on, from county records.0.80
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.Carport (Unspecified)
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.Porch · 528 ft²Boat access

Transaction History(5)

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 · 4.4 mi
M
Vernon Middle SchoolC
Middle · Grades 6–8 · 4.4 mi
E
Vernon Elementary SchoolC-
Elementary · Grades PK–5 · 5.6 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

3965 Stillwater 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 78% of homes in Chipley 32428
  • Costs more per square foot than 92% of homes in Chipley 32428
  • Has a smaller lot than 74% 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
$51K$588K

This home is worth more than 78% 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$296,448
CheaperTypical $194,068Pricier

Pricier than 78% of homes nearby

Price per ft²$213
CheaperTypical $128Pricier

Pricier than 92% of homes nearby

Living area1,392 ft²
SmallerTypical 1,488 ft²Bigger

Bigger than 43% of homes nearby

Lot size0.8 ac
SmallerTypical 1.62 acBigger

Bigger than 31% of homes nearby

Year built1995
OlderTypical 1991Newer

Newer than 58% of homes nearby

How 3965 Stillwater Dr ranks against every home in each area.
MeasureThis homeChipley 32428Washington County
Estimated valuepricier than$296,44878% of homes78% of homes
Price per ft²pricier than$21392% of homes92% of homes
Living areabigger than1,392 ft²43% of homes46% of homes
Lot sizebigger than0.8 ac31% of homes26% of homes
Year builtnewer than199558% of homes59% of homes

About 3965 Stillwater Dr

How much is 3965 Stillwater Dr, Chipley, FL worth?

The TopHap Estimate for 3965 Stillwater Dr, Chipley, FL is $296,448 as of Aug 30, 2026. The likely range is $254,054 to $338,842. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3965 Stillwater Dr, Chipley, FL last sell?

3965 Stillwater Dr, Chipley, FL last sold on Apr 2, 2026 for $290,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3965 Stillwater Dr, Chipley, FL?

3965 Stillwater Dr, Chipley, FL has 2 bathrooms, 1,392 square feet of living space and a 0.80-acre lot.

When was 3965 Stillwater Dr, Chipley, FL built?

3965 Stillwater Dr, Chipley, FL was built in 1995, making it 31 years old. The building has 1 story.

What schools serve 3965 Stillwater Dr, Chipley, FL?

3965 Stillwater 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 3965 Stillwater Dr, Chipley, FL compare to other homes in Chipley 32428?

Among the 7,696 homes in Chipley 32428, it is worth more than 78% of them ($296,448 against a typical $194,068), its price per square foot is higher than 92% of them ($213 against a typical $128), it is bigger than 43% of them (1,392 ft² against a typical 1,488 ft²), its lot is bigger than 31% of them (0.8 ac against a typical 1.62 ac) and it is newer than 58% of them (1995 against a typical 1991). Measured against all of Washington County, it is worth more than 78% 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 3965 Stillwater Dr, Chipley, FL?

The 2025 property tax bill for 3965 Stillwater Dr, Chipley, FL was $1,642. The county assessed it at $157,918.

More homes on Stillwater Dr

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