Washington County property record for 1649 Shady Oaks Ln, Chipley, FL 32428
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,368 sqft · built 2017 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $735,000 (May 2026) |
| Tax Bill | $5,136 (2025) |
| Deeds & Mortgages | May 2026 Sale Jul 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 000025180007 |
| Primary APN | 000025180007 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,368 sqft Living Area |
| Gross Area | 4,910 sqft |
| 1st Floor Area | 3,032 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Type | Attached |
| Garage Area | 648 sqft |
| Porch | Florida Room |
| Porch Area | 586 sqft |
| Patio Area | 308 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1649 SHADY OAKS LN |
|---|---|
| City | CHIPLEY |
| State | FL |
| Zip | 32428-6082 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 33 4 13 10 ORB 1147 P 323 NW4 OF SW4 OF NW4 |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 33 |
| Legal Subdivision | MCGEACHY ADDITION |
| Legal Block | 7 |
| Legal Lot Number | 7 |
| Jurisdiction | WASHINGTON FL |
| Township / Civil Division | CHIPLEY |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 970102 |
Source: Washington County records, as of June 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4447 TERZINO LN, CHIPLEY, FL 32428-6505 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 28, 2026 | Warranty Deed, Transfer FLORIDA LAW TITLE AND TRUST PLC, FLORIDA LAND TITLE & TRUST |
| Jul 11, 2017 | Deed of Trust, Mortgage · Line of Credit ONE SOUTH BANK |
| Jun 10, 2019 | Warranty Deed, Transfer FLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TRUST CO |
| Jun 30, 2017 | Loan Modification, Mortgage ONE SOUTH BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on Record |
| Deed Sale | May 28, 2026 · Amount on Record |
| Prior Sale | Jun 10, 2019 · Amount on Record |
| Deed Document Number | 20264112 |
| Deed Book / Page | 1372 / 469 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | May 28, 2026 |
| Property Address | 1649 SHADY OAKS LN, CHIPLEY, FL 32428-6082 |
| Document Number | 0000004112 |
| Book / Page | 1372 / 469 |
| Instrument Date | May 26, 2026 |
| Instrument | 20264112 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Title Company | FLORIDA LAW TITLE AND TRUST PLC, FLORIDA LAND TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Tax | $519,645.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4447 TERZINO LN, CHIPLEY, FL 32428-6505 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 1649 SHADY OAKS LN, CHIPLEY, FL 32428-6082 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0067004510 |
|---|---|
| Date | Jul 11, 2017 |
| Book Page | 1093/870 |
| Instrument | 201767004510 |
| Name | ONE SOUTH BANK |
|---|---|
| Type | Bank |
| Address | CHIPLEY, FL 32428 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 15, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | Jun 10, 2019 |
| Property Address | 1649 SHADY OAKS LN, CHIPLEY, FL 32428-6082 |
| Document Number | 0067004429 |
| Book / Page | 001147 / 000323 |
| Instrument Date | Jun 7, 2019 |
| Instrument | 67004429 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2019 |
| Title Company | FLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TRUST CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,145.10 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4909 HIGHWAY 90 MARIANNA FL 324466841, MARIANNA, FL 32446-6841 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 1649 SHADY OAKS LN, CHIPLEY, FL 32428-6082 |
| Document Number | 0067004512 |
| Instrument Date | Jun 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1649 SHADY OAKS LN CHIPLEY FL 324286082, CHIPLEY, FL 32428-6082 |
| Document Number | 0067004512 |
|---|---|
| Date | Jul 11, 2017 |
| Book Page | 001093/000881 |
| Instrument | 67004512 |
| Name | ONE SOUTH BK |
|---|---|
| Type | Bank |
| Address | CHIPLEY, FL 32428 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Jul 10, 2022 |
Source: Washington County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Washington County |
| Unified School District | Washington County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,136.00 (+6.18%) Homeowner's exemption | $411,643 (+2.9%) | $590,360 (-9.01%) Land $100,000 Building $490,360 |
| 2024 | $4,837.00 (+1.9%) Homeowner's exemption | $400,042 (+3%) | $648,844 (+9.76%) Land $100,000 Building $548,844 |
| 2023 | $4,747.00 (+5.89%) Homeowner's exemption | $388,390 (+5.99%) | $591,167 (+14.34%) Land $100,000 Building $491,167 |
| 2022 | $4,483.00 Homeowner's exemption | $366,452 | $517,003 Land $80,000 Building $437,003 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
| Verizon Fixed Wireless | 25 / 6 |
| T-Mobile Fixed Wireless | 25 / 3 |
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