1040 Main St, Chipley, FL 32428 Property Records

Washington County property record for 1040 Main St, Chipley, FL 32428

Property Summary

Property Type	Commercial Office
Details	3,878 sqft · built 1946
Lot Size	0.426 acres (18,556 sqft)
Owner	Company Name on Record
Last Sale	$300,000 (Jun 2020)
Tax Bill	$3,220 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000021230000`

Property Details

APN / Parcel Number

Primary APN	`000021230000`
Alternative APNs	`00000000-00-2123-0000` `21230000`

Interior

Units	4 Units
Stories	1 Story
Building Area	3,878 sqft Gross Area
1st Floor Area	2,356 sqft
Office	480 sqft
Flooring	Tile
Interior Walls	Masonry

Exterior

Year Built	Built 1946
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Flat
Roof Material	Metal
Lot Area	18,556 sqft (0.426 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Canopy	306 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1040 MAIN ST
City	CHIPLEY
State	FL
Zip	32428-2300
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Legal Description	9 4 13 ORB 1179 P 767 BEG NEC OF LOT 2, RN S 186, W 100, N 186, E 100 TO POB, SUBJECT TO ESMT FOR DOT AS DESC IN ORB 1178 P 857 & 859 & ORB 1198 P 441. STIP FINAL JDMT IN ORB 1278 P 271
Legal Range	13W
Legal Township	04S
Legal Section	09
Legal Lot Number	2
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	3
Census Block	3029
Census Tract	970103

Owner

Source: Washington County records, as of April 14, 2026

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

Owner of Record	Company Name on Record
Mailing Address	2589 JENKS AVE, PANAMA CITY, FL 32405-4309
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2020 · Amount on Record
Deed Sale	Jun 30, 2020 · Amount on Record
Prior Sale	Jun 30, 2020 · Amount on Record
Deed Document Number	202067004311
Deed Book / Page	1179 / 767
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jun 30, 2020
Property Address	1046 MAIN ST, CHIPLEY, FL 32428-2300
Document Number	0067004311
Book / Page	001179 / 000767
Instrument Date	Jun 22, 2020
Instrument	67004311
Transaction Type	Transfer
Record Updated	Jul 8, 2020
Title Company	FLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TRUST CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2589 JENKS AVE PANAMA CITY FL 324054309, PANAMA CITY, FL 32405-4309

Mortgage

Document Number	67004312
Date	Jun 30, 2020
Book Page	001179/000768
Instrument	67004312

Lender

Name	WILLIE M COOK
Address	640 MAIN ST, CHIPLEY, FL 32428-1244
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Washington County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Florida
Municipality	Chipley City
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	$3,220.00 (+3.6%)	$154,449 (-3.42%) Land $69,750 Building $84,699	$154,449 (-3.42%) Land $69,750 Building $84,699
2024	$3,108.00 (-7.77%)	$159,910 (-15.96%) Land $69,750 Building $90,160	$159,910 (-15.96%) Land $69,750 Building $90,160
2023	$3,370.00 (-15.24%)	$190,284 (-0.69%) Land $69,750 Building $120,534	$190,284 (-0.69%) Land $69,750 Building $120,534
2022	$3,976.00	$191,602 Land $55,800 Building $135,802	$191,602 Land $55,800 Building $135,802

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

Flood

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

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF CHIPLEY serves 3,660 people · EPA ID FL1670135
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50
AT&T Fixed Wireless	100 / 20