1685 Ross Ct, Chipley, FL 32428 Property Records

Washington County property record for 1685 Ross Ct, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,952 sqft · built 1989
Lot Size	0.705 acres (30,710 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Oct 2020)
Tax Bill	$2,604 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jan 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-0387-0010`

Property Details

APN / Parcel Number

Primary APN	`06-0387-0010`
Alternative APN	`000603870010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,952 sqft Heated Area
Gross Area	3,400 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2012
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	30,710 sqft (0.705 acres)
Lot Width	344 ft Width
Garage Type	Finished
Garage Area	550 sqft
Porch	Open Porch
Porch Area	506 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000603870010
Street Address	1685 ROSS CT
City	CHIPLEY
State	FL
Zip	32428-2809
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNNY HILLS UNIT #6 LOT 10 ORB 1188 P 115 BLK 0387, ORB 1195 P 299
Legal Range	13W
Legal Township	02N
Legal Section	19
Legal Subdivision	SUNNY HILLS
Legal Block	387
Legal Lot Number	10
Legal Unit	6
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1069
Census Tract	970301

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	2 Individual Names on Record
Mailing Address	1685 ROSS CT, CHIPLEY, FL 32428-2809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FINANCIAL CU
Jan 7, 2021	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 9, 2020	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MTG
Oct 13, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 18, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2020 · Amount on Record
Deed Sale	Oct 13, 2020 · Amount on Record
Prior Sale	Oct 13, 2020 · Amount on Record
Deed Document Number	0067006754
Deed Book / Page	1188 / 115
Last Transfer Date	Jan 7, 2021
Transfer Doc	0067000102
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	1685 ROSS CT, CHIPLEY, FL 32428-2809
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067008517
Date	Nov 26, 2025
Book Page	1354/858
Instrument	202567008517

Lender

Name	INNOVATIONS FINANCIAL CU
Type	Credit Union
Address	PO BOX 15529, PANAMA CITY, FL 32406

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 26, 2040

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jan 7, 2021
Property Address	1685 ROSS CT, CHIPLEY, FL 32428-2809
Document Number	0067000102
Book / Page	001195 / 000299
Instrument Date	Jan 7, 2021
Instrument	67000102
Transaction Type	Transfer
Record Updated	Feb 1, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1685 ROSS CT CHIPLEY FL 324282809, CHIPLEY, FL 32428-2809

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	1685 ROSS CT, CHIPLEY, FL 32428-2809
Document Number	0067006755
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1685 ROSS CT CHIPLEY FL 324282809, CHIPLEY, FL 32428-2809

Mortgage

Document Number	0067006755
Date	Oct 13, 2020
Book Page	001188/000117
Instrument	67006755

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Oct 13, 2020
Property Address	1685 ROSS CT, CHIPLEY, FL 32428-2809
Document Number	0067006754
Book / Page	1188 / 115
Map Reference	MB 2 PG 60-76
Instrument Date	Oct 9, 2020
Instrument	202067006754
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1685 ROSS CT, 1685, CHIPLEY, FL 32428-2809

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 KINNON DR, ENTERPRISE, AL 36330-1322

Mortgage

Document Number	0000000117
Date	Oct 13, 2020
Instrument	1188/117

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	Mar 18, 2020
Property Address	1685 ROSS CT, CHIPLEY, FL 32428-2809
Document Number	0067002191
Book / Page	001172 / 000354
Instrument Date	Mar 17, 2020
Instrument	67002191
Transaction Type	Transfer
Record Updated	May 29, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 ROSS CT CHIPLEY FL 324282809, CHIPLEY, FL 32428-2809

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	$2,604.00 (+6.5%) Homeowner's exemption	$225,892 (+2.9%)	$307,074 (+2.82%) Land $11,000 Building $296,074
2024	$2,445.00 (+6.12%) Homeowner's exemption	$219,526 (+6.19%)	$298,646 (+14.59%) Land $7,000 Building $291,646
2023	$2,304.00 (-16.19%) Homeowner's exemption	$206,722 (-13.09%)	$260,620 (+9.57%) Land $5,000 Building $255,620
2022	$2,749.00 Homeowner's exemption	$237,850 Land $3,500 Building $234,350	$237,850 Land $3,500 Building $234,350

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
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	16 (1994–2021)
Claims Outside the SFHA	9 of 16
Most Recent Claim	Nov 2021 · rainfall accumulation
Claims by Event	Hurricane Michael, Oct 2018 · 2 claims

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 53% 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 10 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

Cell Coverage

5G (outdoors only) and 4G LTE

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