1032 Joiner Rd, Chipley, FL 32428 Property Records

Washington County property record for 1032 Joiner Rd, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,350 sqft · built 1980
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$186,000 (Jul 2023)
Tax Bill	$1,544 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Nov 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`000023920015`

Property Details

APN / Parcel Number

Primary APN	`000023920015`
Alternative APN	`23920015`

Interior

Full Baths	1 Bath
Building Area	1,350 sqft Heated Area
Gross Area	1,478 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2010
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Garage Type	Finished
Garage Area	300 sqft
Porch	Open Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000023920015
Street Address	1032 JOINER RD
City	CHIPLEY
State	FL
Zip	32428-4479
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22 4 13 1 ORB 1278 P 190 BEG. 504.9' E. OF SWC OF SE1/4 OF SE1/4,RUN N.187' E.235.3' TO W. SIDE OF RD,S. 187' W.232.9' TO POB
Legal Range	13W
Legal Township	04N
Legal Section	22
Legal Block	2392
Legal Lot Number	0015
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	1
Census Block	1035
Census Tract	970102

Owner

1032 Joiner Rd is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1032 JOINER RD, CHIPLEY, FL 32428-4479
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
Jul 21, 2023	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Nov 10, 2022	Warranty Deed, Transfer BLUEPRINT TITLE, BLUEPRINT TITLE FL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2023 · Amount on File
Deed Sale	Jul 21, 2023 · Amount on File
Prior Sale	Nov 10, 2022 · Amount on File
Deed Document Number	202367005051
Deed Book / Page	1278 / 190
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jul 21, 2023
Property Address	1032 JOINER RD, CHIPLEY, FL 32428-4479
Document Number	0067005051
Book / Page	1278 / 190
Instrument Date	Jul 20, 2023
Instrument	202367005051
Transaction Type	Transfer
Record Updated	Aug 16, 2023
Title Company	BLUEPRINT TITLE FL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,302.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1933 HIGHWAY 179A, WESTVILLE, FL 32464-3076

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1032 JOINER RD, CHIPLEY, FL 32428-4479

Mortgage

Document Number	0000000192
Date	Jul 21, 2023
Instrument	1278/192

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Mortgage

Document Number	0067005053
Date	Jul 21, 2023
Book Page	1278/203
Instrument	202367005053

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Nov 10, 2022
Property Address	1032 JOINER RD, CHIPLEY, FL 32428-4479
Document Number	0067009071
Book / Page	1257 / 712
Instrument Date	Nov 9, 2022
Instrument	202267009071
Transaction Type	Transfer
Record Updated	Jan 3, 2023
Title Company	BLUEPRINT TITLE, BLUEPRINT TITLE FL

Transaction

Amount	Amount on Record
Tax	$297.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3064 PINEOAKS LN, CHIPLEY, FL 32428-4657

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1933 HIGHWAY 179A, WESTVILLE, FL 32464-3076

Tax Assessment & Valuation

The 2025 property tax bill for 1032 Joiner Rd was $1,544 with a homeowner's exemption, up 6.9% 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	$1,544.00 (+6.93%) Homeowner's exemption	$152,332 (+2.9%)	$164,198 (+10.92%) Land $8,500 Building $155,698
2024	$1,444.00 (+20.53%) Homeowner's exemption	$148,039 (+68.61%) Land $7,500 Building $140,539	$148,039 (+68.61%) Land $7,500 Building $140,539
2023	$1,198.00 (+395.04%)	$87,801 (+105.84%) Land $7,500 Building $80,301	$87,801 (+54.03%) Land $7,500 Building $80,301
2022	$242.00 Homeowner's exemption	$42,654	$57,004 Land $6,200 Building $50,804

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1032 Joiner Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1994.

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 (1994–2020)
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 1032 Joiner Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile, Wildstar Networks.

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