1446 Houston Rd, Chipley, FL 32428 Property Records

Washington County property record for 1446 Houston Rd, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,578 sqft · built 2004
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on File
Last Sale	$109,200 (Sep 2013)
Tax Bill	$382 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Sep 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`000025010001`

Property Details

APN / Parcel Number

Primary APN	`000025010001`
Alternative APNs	`00000000-00-2501-0001` `25010001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,578 sqft Living Area
Gross Area	2,106 sqft
1st Floor Area	1,578 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	108,900 sqft (2.5 acres)
Porch	Finished/Open Porch
Porch Area	80 sqft
Patio Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1446 HOUSTON RD
City	CHIPLEY
State	FL
Zip	32428-5353
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	32 4 13 2.5 ORB 962 P 317 SW4 OF W2 OF S2 OF NE4 OF NE4
Legal Range	13W
Legal Township	04S
Legal Section	32
Legal Block	1
Legal Lot Number	1
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	1
Census Block	1046
Census Tract	970102

Owner

1446 Houston Rd is owned and occupied by an individual who bought it in September 2013.

Source: Washington County records, as of December 3, 2025

Owner of Record	Individual Name on File
Mailing Address	1446 HOUSTON RD, CHIPLEY, FL 32428-5353
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
Jan 12, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage US BANK NA
Sep 22, 2017	Loan Modification, Mortgage · FHA Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2013 · Amount on File
Deed Sale	Sep 10, 2013 · Amount on File
Prior Sale	Feb 5, 2013
Deed Document Number	201367005366
Deed Book / Page	962 / 317
Prior Transfer Date	Aug 20, 2009
Prior Transfer Doc	0008260525
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	1446 HOUSTON RD, CHIPLEY, FL 32428-5353
Transaction Type	Mortgage
Record Updated	Mar 10, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1446 HOUSTON RD, CHIPLEY, FL 32428-5353

Mortgage

Document Number	0067000250
Date	Jan 12, 2023
Book Page	1262/588
Instrument	202367000250

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	249 Months
Due	Oct 1, 2043

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WASHINGTON FL
Property Address	1446 HOUSTON RD, CHIPLEY, FL 32428-5353
Document Number	0067007088
Book / Page	001102 / 000006
Instrument Date	Sep 22, 2017
Transaction Type	Mortgage
Record Updated	Nov 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1446 HOUSTON RD CHIPLEY FL 324285353, CHIPLEY, FL 32428-5353

Mortgage

Document Number	0067007088
Date	Oct 16, 2017
Book Page	001102/000006
Instrument	67007088

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Oct 15, 2042

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1446 Houston Rd was $382 with exemptions applied, up 12% from the year before.

Source: Washington County assessment roll, as of December 3, 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	$382.00 (+12.02%) Homeowner's exemption Senior Citizen's exemption	$96,556 (+2.9%)	$164,202 (+9.5%) Land $21,250 Building $142,952
2024	$341.00 (+0.59%) Homeowner's exemption	$93,835 (+3%)	$149,960 (+8.46%) Land $18,750 Building $131,210
2023	$339.00 (-47.69%) Homeowner's exemption	$91,102 (+3.91%)	$138,269 (+17.82%) Land $18,750 Building $119,519
2022	$648.00 Homeowner's exemption	$87,672	$117,352 Land $15,500 Building $101,852

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

Flood

FEMA maps place 1446 Houston 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 1446 Houston 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3

May also be available: Wildstar Networks.

Nearby Properties on Houston Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures