1000 Oswald Rd, Chipley, FL 32428 Property Records

Washington County property record for 1000 Oswald Rd, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,845 sqft · built 1958
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (May 2025)
Tax Bill	$845 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000023580000`

Property Details

APN / Parcel Number

Primary APN	`000023580000`
Alternative APN	`23580000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,845 sqft Heated Area
Gross Area	2,596 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2005
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	130,680 sqft (3 acres)
Porch	Open Porch
Porch Area	40 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000023580000
Street Address	1000 OSWALD RD
City	CHIPLEY
State	FL
Zip	32428-5932
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18 4 13, 3, ORB 1338 P 9, BEG NEC OF SECT, W 2651.06', S 1557.50', E 955.54' TO POB, S 351.65', E 370.88', N 353.26 ', W
Legal Range	13W
Legal Township	04N
Legal Section	18
Legal Block	2358
Legal Lot Number	0000
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	3
Census Block	3037
Census Tract	970103

Owner

1000 Oswald Rd is owned and occupied by an individual who bought it in May 2025.

Source: Washington County records, as of December 22, 2025

Owner of Record	Individual Name on File
Mailing Address	1000 OSWALD RD, CHIPLEY, FL 32428-5932
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 30, 2025	Warranty Deed, Transfer CROSS COUNTRY INTERNATIONAL LLC AN
Oct 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2025 · Amount on File
Deed Sale	May 30, 2025 · Amount on File
Deed Document Number	202567003829
Deed Book / Page	1338 / 9
Record Updated	Jun 8, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	May 30, 2025
Property Address	1000 OSWALD RD, CHIPLEY, FL 32428-5932
Document Number	0067003829
Book / Page	1338 / 9
Instrument Date	May 28, 2025
Instrument	202567003829
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	PANHANDLE LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12633 TAHITIAN PEARL CIR, PARRISH, FL 34219-2583

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 OSWALD RD, CHIPLEY, FL 32428-5932

Mortgage

Document Number	0000000011
Date	May 30, 2025
Instrument	1338/11

Lender

Name	CROSS COUNTRY INTERNATIONAL LLC AN
Type	Non-Lending Institution

Agreement

Amount	Amount on Record
Term	7 Months
Due	Nov 30, 2025

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	1000 OSWALD RD, CHIPLEY, FL 32428-5932
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 OSWALD RD, CHIPLEY, FL 32428-5932

Mortgage

Document Number	0067006581
Date	Oct 6, 2020
Book Page	1187/619
Instrument	202067006581

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 7, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1000 Oswald Rd was $845 with a homeowner's exemption, up 11.5% from the year before.

Source: Washington County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Washington County
Unified School District	Washington County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$845.00 (+11.48%) Homeowner's exemption	$137,576 (+2.9%)	$246,351 (+2.72%) Land $22,200 Building $224,151
2024	$758.00 (-4.29%) Homeowner's exemption	$133,699 (+3%)	$239,820 (+21.44%) Land $19,500 Building $220,320
2023	$792.00 (+14%) Homeowner's exemption	$129,805 (+47.32%)	$197,480 (+59.27%) Land $19,500 Building $177,980
2022	$330.00 Homeowner's exemption	$88,110	$123,993 Land $18,600 Building $105,393

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1000 Oswald Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective July 4, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2004–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2020 · Hurricane Sally

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1000 Oswald Rd is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3
T-Mobile Fixed Wireless	25 / 3

May also be available: Spectrum, Verizon, Wildstar Networks.

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