2320 Ferguson Rd, Chipley, FL 32428 Property Records

Washington County property record for 2320 Ferguson Rd, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,601 sqft · built 2022
Lot Size	17 acres (740,520 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,819 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Feb 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000032400001`

Property Details

APN / Parcel Number

Primary APN	`000032400001`
Alternative APN	`32400001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,601 sqft Heated Area
Gross Area	2,341 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	740,520 sqft (17 acres)
Shed	1 Shed
Shed Area	1,296 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000032400001
Street Address	2320 FERGUSON RD
City	CHIPLEY
State	FL
Zip	32428-3848
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 2 14 17 ORB 1172 P 113 NW4 OF SW4 N & W OF BC RR R OF WAY & N OF FERGUSON RD AS DESC IN ORB 1172 P 113,ORB 1201 P 911,
Legal Range	14W
Legal Township	02N
Legal Section	11
Legal Block	3240
Legal Lot Number	0001
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1024
Census Tract	970303

Owner

2320 Ferguson Rd is owned and occupied by two individuals who acquired it in February 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Co-owner	2 Co-owners on File
Mailing Address	2320 FERGUSON RD, CHIPLEY, FL 32428-3848
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SOUTH CU
Feb 22, 2022	Intrafamily Transfer, Transfer
Mar 26, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage COMMUNITY SOUTH CU

Assessor's Deed Record

Deed Names	4 Names on Deed
Prior Sale	Mar 26, 2021
Last Transfer Date	Feb 22, 2022
Transfer Doc	0067001630
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	2320 FERGUSON RD, CHIPLEY, FL 32428-3848
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 FERGUSON RD, CHIPLEY, FL 32428-3848
Investor	Possibly a Property Investor

Mortgage

Document Number	0067007952
Date	Sep 22, 2022
Book Page	1254/1
Instrument	202267007952

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WASHINGTON FL
Recording Date	Feb 22, 2022
Property Address	2320 FERGUSON RD, CHIPLEY, FL 32428-3848
Document Number	0067001630
Book / Page	1233 / 209
Instrument Date	Feb 4, 2022
Instrument	202267001630
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2320 FERGUSON RD, CHIPLEY, FL 32428-3848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	932 HURST CT, PANAMA CITY, FL 32404-2317
Investor	Possibly a Property Investor

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WASHINGTON FL
Recording Date	Mar 26, 2021
Property Address	2320 FERGUSON RD, CHIPLEY, FL 32428-3848
Document Number	0067002210
Book / Page	1201 / 911
Instrument Date	Mar 12, 2021
Instrument	202167002210
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	FLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TR CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2347 FERGUSON RD, CHIPLEY, FL 32428-3847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 FERGUSON RD, CHIPLEY, FL 32428-3848
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000913
Date	Mar 26, 2021
Instrument	1201/913

Lender

Name	COMMUNITY SOUTH CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	9.5%

Tax Assessment & Valuation

The 2025 property tax bill for 2320 Ferguson Rd was $1,819 with a homeowner's exemption, up 6.7% from the year before.

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	$1,819.00 (+6.69%) Homeowner's exemption	$172,214 (+2.85%)	$269,448 (+21.79%)
2024	$1,705.00 (+2.4%) Homeowner's exemption	$167,440 (+2.95%)	$221,240 (+7.55%)
2023	$1,665.00 (+771.73%) Homeowner's exemption	$162,645	$205,717
2022	$191.00

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

Flood

FEMA maps place 2320 Ferguson Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	4 (1994–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 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

Wildfire risk around 2320 Ferguson Rd is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · lower than 73% 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 4 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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