1227 Falling Waters Rd, Chipley, FL 32428 Property Records

Washington County property record for 1227 Falling Waters Rd, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,508 sqft · built 2020
Lot Size	2.26 acres (98,446 sqft)
Owner	Individual Name on Record
Last Sale	$22,500 (Mar 2017)
Tax Bill	$1,354 (2025)
Deeds & Mortgages	Mar 2020 Loan Modification Jun 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23820103`

Property Details

APN / Parcel Number

Primary APN	`23820103`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,508 sqft Heated Area
Gross Area	1,700 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	98,446 sqft (2.26 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1227 FALLING WATERS RD
City	CHIPLEY
State	FL
Zip	32428-6046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	21 4 13 2.26 OR 1084 P 530 LT 3 MAYHAW ESTATES REC PLAT PB 4 PAGE 23
Legal Range	13W
Legal Township	04N
Legal Section	21
Legal Subdivision	MAYHAW ESTATE
Legal Block	2382
Legal Lot Number	3
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	1
Census Block	1004
Census Tract	970102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1227 FALLING WATERS RD, CHIPLEY, FL 32428-6046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2020	Loan Modification, Mortgage COMMUNITY S CU
Jun 20, 2019	Deed of Trust, Construction Loan · Construction Mortgage COMMUNITY S CU
Mar 21, 2017	Warranty Deed, Transfer · ARM COMMUNITY SOUTH CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2017 · Amount on Record
Deed Sale	Mar 21, 2017 · Amount on Record
Prior Sale	May 24, 2007
Deed Document Number	201767001656
Deed Book / Page	1084 / 530
Record Updated	Jun 8, 2026

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WASHINGTON FL
Property Address	1227 FALLING WATERS RD, CHIPLEY, FL 32428-6046
Document Number	0067002545
Instrument Date	Mar 31, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1235 FALLING WATERS RD CHIPLEY FL 324286046, CHIPLEY, FL 32428-6046

Mortgage

Document Number	0067002545
Date	Apr 6, 2020
Book Page	001173/000626
Instrument	67002545

Lender

Name	COMMUNITY S CU
Type	Credit Union
Address	CHIPLEY, FL 32428

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

June 2019: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Recording Date	Jun 20, 2019
Property Address	1227 FALLING WATERS RD, CHIPLEY, FL 32428-6046
Document Number	0067004715
Book / Page	001148 / 000344
Instrument Date	Jun 19, 2019
Instrument	67004715
Transaction Type	Construction Loan
Record Updated	Jun 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	FALLING WATERS RD CHIPLEY FL 32428, CHIPLEY, FL 32428

Mortgage

Document Number	0067004715
Date	Jun 20, 2019
Book Page	001148/000344
Instrument	67004715

Lender

Name	COMMUNITY S CU
Type	Credit Union
Address	CHIPLEY, FL 32428

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2049

Interest

Rate Type	Adjustable Rate
Rate	5%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Mar 21, 2017
Property Address	1227 FALLING WATERS RD, CHIPLEY, FL 32428-6046
Document Number	0067001656
Book / Page	1084 / 530
Map Reference	MB4 PG23
Instrument Date	Mar 16, 2017
Instrument	201767001656
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	FLORIDA LAND TITLE & TR CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1368 ORANGE HILL RD, 1368, CHIPLEY, FL 32428-5800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1235 FALLING WATERS RD, CHIPLEY, FL 32428-6046

Mortgage

Document Number	0000000531
Date	Mar 21, 2017
Instrument	1084/531

Lender

Name	COMMUNITY SOUTH CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	120 Months
Due	Mar 1, 2027

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2020
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

Tax Assessment & Valuation

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	$1,354.00 (+7.12%) Homeowner's exemption	$138,651 (+2.9%)	$179,366 (+3.12%) Land $26,000 Building $153,366
2024	$1,264.00 (+2.68%) Homeowner's exemption	$134,743 (+3%)	$173,940 (+8.24%) Land $26,000 Building $147,940
2023	$1,231.00 (+3.53%) Homeowner's exemption	$130,818 (+3%)	$160,700 (+8.28%) Land $26,000 Building $134,700
2022	$1,189.00 Homeowner's exemption	$127,008	$148,406 Land $26,000 Building $122,406

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 (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

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

Wildfire Risk	Moderate above 52% of the US · lower than 76% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Wildstar Networks.

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