435 Morgan Rd, Chipley, FL 32428 Property Records

Washington County property record for 435 Morgan Rd, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,120 sqft · built 2018
Lot Size	1.53 acres (66,647 sqft)
Owner	Individual Name on File
Tax Bill	$1,142 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jun 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`01010004`

Property Details

APN / Parcel Number

Primary APN	`01010004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,120 sqft Heated Area
Gross Area	2,064 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	66,647 sqft (1.53 acres)
Garage Type	Carport
Carport	Carport
Porch	Open Porch
Porch Area	368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	435 MORGAN RD
City	CHIPLEY
State	FL
Zip	32428-4515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18 3 12 1.53 ORB 1210 P 483 BG SEC, N 1305.04', W 569.18' FOR POB, SW 405.38', NW 212.17', NE 270.04', E 213.91', E 7.50' TO
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2037
Census Tract	970303

Owner

Source: Washington County records · APN 01010004

Assessment roll updated July 1, 2025 · Last verified January 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	435 MORGAN RD, CHIPLEY, FL 32428-4515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage · Line of Credit INNOVATIONS FINANCIAL CU
Jun 21, 2021	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 21, 2021
Deed Sale	Jun 21, 2021
Deed Document Number	202167004588
Deed Book / Page	1210 / 483
Record Updated	Jun 08, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	435 MORGAN RD, CHIPLEY, FL 32428-4515
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067001749
Date	Mar 10, 2026
Book Page	1364/263
Instrument	202667001749

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	240 Months
Due	Mar 09, 2046

Interest

Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jun 21, 2021
Property Address	435 MORGAN RD, CHIPLEY, FL 32428-4515
Document Number	0067004588
Book / Page	1210 / 483
Instrument Date	Jun 18, 2021
Instrument	202167004588
Transaction Type	Transfer
Record Updated	Mar 07, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3953 CRYSTAL LAKE DR, CHIPLEY, FL 32428-3436

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 MORGAN RD, CHIPLEY, FL 32428-4515

Tax Assessment & Valuation

Source: Washington County records · Assessment roll updated July 1, 2025 · Last verified January 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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,142.00 (+7.33%) Homeowner's exemption	$123,321 (+2.9%)	$160,045 (+18.47%) Land $10,404 Building $149,641
2024	$1,064.00 (+3%) Homeowner's exemption	$119,845 (+3%)	$135,090 (+8.93%) Land $9,180 Building $125,910
2023	$1,033.00 (+3.71%) Homeowner's exemption	$116,354 (+3%)	$124,021 (+9.79%) Land $9,180 Building $114,841
2022	$996.00 Homeowner's exemption	$112,965 Land $8,415 Building $104,550	$112,965 Land $8,415 Building $104,550

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 4, 2011 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1990–2018)
Most Recent Claim	Oct 2018 · Hurricane Michael

Wildfire

Wildfire Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Based on FCC filings for 2 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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