1586 Ledger Rd, Chipley, FL 32428 Property Records

Washington County property record for 1586 Ledger Rd, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,003 sqft · built 2003
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$264,000 (Feb 2020)
Tax Bill	$1,273 (2025)
Deeds & Mortgages	Jul 2024 Second Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000009410006`

Property Details

APN / Parcel Number

Primary APN	`000009410006`
Alternative APN	`09410006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,003 sqft Heated Area
Gross Area	2,823 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2014
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Porch	Open Porch
Porch Area	157 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000009410006
Street Address	1586 LEDGER RD
City	CHIPLEY
State	FL
Zip	32428-5107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	32 3 13 1 ORB 1168 P 752 1AC SQUARE IN SEC OF E2 OF SE4 OF NE4, MAINTENANCE ESMT IN ORB 795 P 582.
Legal Range	13W
Legal Township	03N
Legal Section	32
Legal Block	0941
Legal Lot Number	0006
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2033
Census Tract	970303

Owner

Source: Washington County records · APN 000009410006

Assessment roll updated July 1, 2025 · Last verified January 2026

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

Owner of Record	Individual Name on File
Mailing Address	1586 LEDGER RD, CHIPLEY, FL 32428-5107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CAMPUS USA CU
Feb 04, 2020	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 24, 2017	Deed of Trust, Mortgage · FHA Mortgage FOUNDATION MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 04, 2020 · Amount on Record
Deed Sale	Feb 04, 2020 · Amount on Record
Deed Document Number	202067001035
Deed Book / Page	1168 / 752
Record Updated	Jun 08, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	1586 LEDGER RD, CHIPLEY, FL 32428-5107
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067005096
Date	Jul 12, 2024
Book Page	1309/497
Instrument	202467005096

Lender

Name	CAMPUS USA CU
Type	Credit Union
Address	14007 NW 1ST RD, JONESVILLE, FL 32669

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	145 Months
Due	Aug 01, 2036

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Feb 04, 2020
Property Address	1586 LEDGER RD, CHIPLEY, FL 32428-5107
Document Number	0067001035
Book / Page	1168 / 752
Instrument Date	Feb 03, 2020
Instrument	202067001035
Transaction Type	Transfer
Record Updated	Aug 02, 2022
Title Company	SOUTH OAK TTL PANAMA CITY BE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,848.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2374 FERGUSON RD, 2374, CHIPLEY, FL 32428-3848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1586A LEDGER RD, CHIPLEY, FL 32428-5107

Mortgage

Document Number	0000000754
Date	Feb 04, 2020
Instrument	1168/0754

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2050

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	1586 LEDGER RD, CHIPLEY, FL 32428-5107
Document Number	0067007605
Book / Page	001103 / 000335
Instrument Date	Oct 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 09, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1586 LEDGER RD #A CHIPLEY FL 324285107, A, CHIPLEY, FL 32428-5107

Mortgage

Document Number	0067007605
Date	Nov 01, 2017
Book Page	001103/000335
Instrument	67007605

Lender

Name	FOUNDATION MTG
Type	Mortgage Company
Address	MIAMI BEACH, FL 33139

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2047

Tax Assessment & Valuation

Source: Washington County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Washington County
Unified School District	Washington County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,273.00 (+7.15%) Homeowner's exemption	$132,774 (+2.9%)	$236,033 (+16.58%) Land $7,400 Building $228,633
2024	$1,188.00 (+26.92%) Homeowner's exemption	$129,032 (+18.15%)	$202,471 (+19.12%) Land $6,500 Building $195,971
2023	$936.00 (+3.88%) Homeowner's exemption	$109,207 (+3%)	$169,970 (+9.75%) Land $6,500 Building $163,470
2022	$901.00 Homeowner's exemption	$106,026	$154,874 Land $6,200 Building $148,674

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2011 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1990–2018)
Most Recent Claim	Oct 2018 · Hurricane Michael

Wildfire

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wildstar Networks Fixed Wireless	200 / 50
Verizon Fixed Wireless	25 / 6

Based on FCC filings for 7 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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