1224 Locke Ln, Chipley, FL 32428 Property Records

Washington County property record for 1224 Locke Ln, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,890 sqft · built 1996
Lot Size	2.75 acres (119,790 sqft)
Owner	Owner Name on File
Last Sale	$214,000 (Oct 2004)
Tax Bill	$3,062 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000023330006`

Property Details

APN / Parcel Number

Primary APN	`000023330006`
Alternative APN	`23330006`

Interior

Full Baths	2 Baths
Building Area	2,890 sqft Heated Area
Gross Area	5,039 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	119,790 sqft (2.75 acres)
Garage Type	Finished
Garage Area	621 sqft

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	562 sqft
Patio Area	372 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000023330006
Street Address	1224 LOCKE LN
City	CHIPLEY
State	FL
Zip	32428-4462
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	16 4 13 2.75 ORB 553 P 487 BG 357.5' W OF NEC OF NE1/4 OF SE1/4, RUN W.324.02',S.368',E. 326.57',N.367.98' TO POB
Legal Range	13W
Legal Township	04N
Legal Section	16
Legal Block	2333
Legal Lot Number	0006
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	1
Census Block	1037
Census Tract	970104

Owner

The current owner of 1224 Locke Ln acquired it in November 2004.

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

Owner of Record	Owner Name on File
Mailing Address	1224 LOCKE LN, CHIPLEY, FL 32428-4462
Occupancy	Owner Occupied

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

Assessor's Deed Record

Last Sale	Oct 29, 2004 · Amount on File
Deed Sale	Oct 29, 2004 · Amount on File
Deed Document Number	0000553487
Deed Book / Page	553 / 487
Last Transfer Date	Nov 1, 2004
Transfer Doc	0005530487
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	1224 LOCKE LN, CHIPLEY, FL 32428-4462
Document Number	0067005360
Instrument Date	Aug 12, 2020
Transaction Type	Mortgage
Record Updated	Sep 17, 2020
Title Company	FLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TRUST CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1333 FORREST AVE CHIPLEY FL 324281720, CHIPLEY, FL 32428-1720

Mortgage

Document Number	0067005360
Date	Aug 17, 2020
Book Page	001183/000690
Instrument	67005360

Lender

Name	ENVOY MTG
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1224 Locke Ln was $3,062 with a homeowner's exemption, up 5.7% 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	$3,062.00 (+5.73%) Homeowner's exemption	$261,909 (+2.35%) Land $27,500 Building $234,409	$261,909 (-43.63%) Land $27,500 Building $234,409
2024	$2,896.00 (+2.08%) Homeowner's exemption	$255,901 (+3%)	$464,613 (+11.25%) Land $27,500 Building $437,113
2023	$2,837.00 (+23.29%) Homeowner's exemption	$248,448 (+19.53%)	$417,639 (+40.34%) Land $27,500 Building $390,139
2022	$2,301.00 Homeowner's exemption	$207,846	$297,587 Land $20,625 Building $276,962

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

Flood

FEMA maps place 1224 Locke Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · rainfall accumulation

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 1224 Locke Ln is moderate, ranking above 55% 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 55% of the US · lower than 73% 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.

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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wildstar Networks.

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