4331 Hwy 77, Chipley, FL 32428 Property Records

Washington County property record for 4331 Hwy 77, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,945 sqft · built 1989
Lot Size	2.53 acres (110,207 sqft)
Owner	Individual Name on File
Last Sale	$1,200 (Aug 1997)
Tax Bill	$1,055 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000032800007`

Property Details

APN / Parcel Number

Primary APN	`000032800007`
Alternative APN	`32800007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,945 sqft Heated Area
Gross Area	3,320 sqft
Flooring	Carpet
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	Composition Shingle
Lot Area	110,207 sqft (2.53 acres)
Garage Type	Finished
Garage Area	528 sqft
Porch	Open Porch
Porch Area	427 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000032800007
Street Address	4331 HIGHWAY 77
City	CHIPLEY
State	FL
Zip	32428-4912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	13 2 14 2.53 OR 242 P 1655 BG. AT S LN OF NW4 OF NE4 AND E SIDE OF HWY, RN E 420', NE 265', W 420', S TO POB AS DESC IN ORB
Legal Range	14W
Legal Township	02N
Legal Section	13
Legal Block	3280
Legal Lot Number	0007
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1101
Census Tract	970303

Owner

4331 Hwy 77 is owned and occupied by an individual who bought it in August 1997.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4331 HIGHWAY 77, CHIPLEY, FL 32428-4912
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 1997 · Amount on File
Deed Sale	Aug 1, 1997 · Amount on File
Deed Document Number	0000297615
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	4331 HIGHWAY 77, CHIPLEY, FL 32428-4912
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4331 HIGHWAY 77, CHIPLEY, FL 32428-4912

Mortgage

Document Number	0067000679
Date	Jan 18, 2022
Book Page	1230/254
Instrument	202267000679

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4331 Hwy 77 was $1,055 with a homeowner's exemption, up 10.4% 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	$1,055.00 (+10.36%) Homeowner's exemption	$152,702 (+2.9%)	$281,396 (+14.04%) Land $18,722 Building $262,674
2024	$956.00 (+4.03%) Homeowner's exemption	$148,398 (+3%)	$246,743 (+10.93%) Land $16,445 Building $230,298
2023	$919.00 (-1.71%) Homeowner's exemption	$144,076 (+3%)	$222,430 (+9.67%) Land $16,445 Building $205,985
2022	$935.00 Homeowner's exemption	$139,880	$202,809 Land $15,180 Building $187,629

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

Flood

FEMA maps place 4331 Hwy 77 in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1994.

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	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 4331 Hwy 77 is moderate, ranking above 51% 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 51% of the US · lower than 78% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SUNNY HILLS UTILITY COMPANY public/private · serves 1,458 people · EPA ID FL1670647
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Wildstar Networks Fixed Wireless	200 / 50

May also be available: T-Mobile.

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