2809 Roche Rd, Chipley, FL 32428 Property Records

Washington County property record for 2809 Roche Rd, Chipley, FL 32428 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 2009
Square Footage	1,284 sqft Living Area
Lot Size	541,450 sqft (12.4 acres)
Garage	Attached, 576 sqft
Occupancy	Owner Occupied
Last Sale	$245,000 (2026)
Tax Bill	$845.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`000033060002`
Alternative APNs	`00000000-00-3306-0002` `33060002`

Interior

Full Baths	2 Baths
Building Area	1,284 sqft Living Area
Gross Area	2,224 sqft Gross Area
1st Floor	1,284 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	541,450 sqft (12.4 acres)
Garage Type	Attached Garage
Garage Area	576 sqft Garage
Porch Area	364 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	2809 ROCHE RD
City	CHIPLEY
State	FL
Zip	32428-5458
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	17 2 14 12.43 ORB 266 P 857 NW1/4 OF NW1/4 SOUTH OF COUNTY RD. LESS E 100 FT. SUBJECT TO ESMT FOR COUNTY RD IN ORB 1037 P 376.
Legal Range	14W
Legal Township	02S
Legal Section	17
Legal Block	2
Legal Lot Number	2
Jurisdiction	WASHINGTON FL
Minor Civil Division	VERNON
Census Blockgroup	2
Census Block	2029
Census Tract	970302

Owner

Source: Washington County records · APN 000033060002

Assessment roll updated December 3, 2025 · Last verified August 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	2809 ROCHE RD, CHIPLEY, FL 32428-5458
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 27, 2026 · Amount on Record
Deed Sale	Jul 27, 2026 · Amount on Record
Deed Doc Number	20265758
Deed Book / Page	1378 / 281
Record Refreshed	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jul 27, 2026
Property Address	2809 ROCHE RD, CHIPLEY, FL 32428-5458
Document Number	0000005758
Book / Page	1378 / 281
Instrument Date	Jul 22, 2026
Instrument	20265758
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	NORTHWEST TITLE GROUP LLC, NORTHWEST TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$173,215.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2809 ROCHE RD, CHIPLEY, FL 32428-5458

Mortgage

Document Number	0000005759,
Date	Jul 27, 2026
Instrument	20265759

Lender

Name	NEW DAY FINANCIAL LLC

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate	-1%

Tax Assessment & Valuation

Source: Washington County records · Assessment roll updated December 3, 2025 · Last verified August 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	$845.00 (+7.92%) Homeowner's exemption	$101,832 (+2.9%)	$190,640 (+14.97%) Land $39,776 Building $150,864
2024	$783.00 (+3.43%) Homeowner's exemption	$98,962 (+3%)	$165,812 (+8.06%) Land $27,346 Building $138,466
2023	$757.00 (+4.27%) Homeowner's exemption	$96,080 (+3%)	$153,448 (+10.01%) Land $27,346 Building $126,102
2022	$726.00 Homeowner's exemption	$93,282	$139,484 Land $24,860 Building $114,624

Flood & Wildfire

2809 Roche Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · Washington County (12133C), updated July 4, 2011

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Moderate 61st percentile of exposed land nationally · 34th in Florida
Wildfire Likelihood	Moderate — about 1 in 746 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.