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Single Family ResidenceResidential
$361,034$113 / 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 73How 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 $195,000 on Nov 23, 2010

5191 PINE RIDGE DR

CHIPLEY, FL 32428
4
Beds
3
Baths
3,200 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.
1.35 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.

Valuation

$361K
$265K low$457K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$195,000 · Nov 23, 2010
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.$127,081
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$101,665
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.64%
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.$163,953
WELLS FARGO BK · 4.25% · recorded May 14, 2019
2nd 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.$70,000
INNOVATIONS FINANCIAL CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,324 (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.$208,586 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$202,707
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$356,454

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.62
65
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
43
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
95
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
81
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
27
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.32 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.2011
Lot (acres)The size of the land the home sits on, from county records.1.35
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 50 ft²Patio · 720 ft²Porch · 384 ft²

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 · 10.1 mi
M
Vernon Middle SchoolC
Middle · Grades 6–8 · 10.1 mi
E
Vernon Elementary SchoolC-
Elementary · Grades PK–5 · 11.4 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.No

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

5191 Pine 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 87% of homes in Washington County
  • Bigger than 98% of homes in Chipley 32428
  • Newer than 79% 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
$53K$594K

This home is worth more than 86% 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$361,034
CheaperTypical $198,286Pricier

Pricier than 86% of homes nearby

Price per ft²$113
CheaperTypical $129Pricier

Pricier than 38% of homes nearby

Living area3,200 ft²
SmallerTypical 1,492 ft²Bigger

Bigger than 98% of homes nearby

Lot size1.35 ac
SmallerTypical 1.61 acBigger

Bigger than 47% of homes nearby

Year built2005
OlderTypical 1991Newer

Newer than 78% of homes nearby

How 5191 Pine Ridge Dr ranks against every home in each area.
MeasureThis homeChipley 32428Washington County
Estimated valuepricier than$361,03486% of homes87% of homes
Price per ft²pricier than$11338% of homes37% of homes
Living areabigger than3,200 ft²98% of homes98% of homes
Lot sizebigger than1.35 ac47% of homes41% of homes
Year builtnewer than200578% of homes79% of homes

About 5191 Pine Ridge Dr

How much is 5191 Pine Ridge Dr, Chipley, FL worth?

The TopHap Estimate for 5191 Pine Ridge Dr, Chipley, FL is $361,034 as of Jul 14, 2026. The likely range is $265,248 to $456,820. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 5191 Pine Ridge Dr, Chipley, FL last sell?

5191 Pine Ridge Dr, Chipley, FL last sold on Nov 23, 2010 for $195,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 5191 Pine Ridge Dr, Chipley, FL?

5191 Pine Ridge Dr, Chipley, FL has 4 bedrooms, 3 bathrooms, 3,200 square feet of living space and a 1.35-acre lot.

When was 5191 Pine Ridge Dr, Chipley, FL built?

5191 Pine Ridge Dr, Chipley, FL was built in 2005, making it 21 years old.

What schools serve 5191 Pine Ridge Dr, Chipley, FL?

5191 Pine 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 5191 Pine Ridge Dr, Chipley, FL compare to other homes in Chipley 32428?

Among the 7,705 homes in Chipley 32428, it is worth more than 86% of them ($361,034 against a typical $198,286), its price per square foot is higher than 38% of them ($113 against a typical $129), it is bigger than 98% of them (3,200 ft² against a typical 1,492 ft²), its lot is bigger than 47% of them (1.35 ac against a typical 1.61 ac) and it is newer than 78% of them (2005 against a typical 1991). Measured against all of Washington County, it is worth more than 87% 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 5191 Pine Ridge Dr, Chipley, FL?

The 2025 property tax bill for 5191 Pine Ridge Dr, Chipley, FL was $2,324. The county assessed it at $208,586.

Closest homes

More homes in Chipley 32428

Assigned schools

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