Washington County property record for 511 Main St, Chipley, FL 32428
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,033 sqft · built 1950 |
| Lot Size | 3.48 acres (151,807 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Jul 2015) |
| Tax Bill | $1,359 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Apr 2023 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 000029510000 |
| Primary APN | 000029510000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 2,033 sqft Heated Area |
| Gross Area | 2,453 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 151,807 sqft (3.48 acres) |
| Lot Width | 100 ft Width |
| Porch | Open Porch |
| Porch Area | 56 sqft |
| Patio Area | 156 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 000029510000 |
|---|---|
| Street Address | 511 MAIN ST |
| City | CHIPLEY |
| State | FL |
| Zip | 32428-1246 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 33 5 13 ORB 1024 P 211 PRCL DESC IN ORB 1024 P 211 |
| Legal Range | 13W |
| Legal Township | 05N |
| Legal Section | 33 |
| Legal Subdivision | HAGERMAN ADD/TOWN/CHIPLEY |
| Legal Block | 2951 |
| Legal Lot Number | 7 8 |
| Jurisdiction | WASHINGTON FL |
| Township / Civil Division | CHIPLEY |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 970104 |
Source: Washington County records · APN 000029510000
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 | 511 MAIN ST, CHIPLEY, FL 32428-1246 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 06, 2026 | Deed of Trust, Mortgage · Conventional Mortgage INNOVATIONS FINANCIAL CU |
| Apr 05, 2023 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SOUTH CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 16, 2015 · Amount on Record |
| Deed Sale | Jul 16, 2015 · Amount on Record |
| Prior Sale | Sep 12, 2014 |
| Deed Document Number | 201567003786 |
| Deed Book / Page | 1024 / 211 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 511 MAIN ST, CHIPLEY, FL 32428-1246 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 511 MAIN ST, CHIPLEY, FL 32428-1246 |
| Document Number | 0067000101 |
|---|---|
| Date | Jan 06, 2026 |
| Book Page | 1358/552 |
| Instrument | 202667000101 |
| Name | INNOVATIONS FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | 910 NAVY BLVD, PANAMA CITY BEACH, FL 32408 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 511 MAIN ST, CHIPLEY, FL 32428-1246 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 511 MAIN ST, CHIPLEY, FL 32428-1246 |
| Document Number | 0067002397 |
|---|---|
| Date | Apr 05, 2023 |
| Book Page | 1268/781 |
| Instrument | 202367002397 |
| Name | COMMUNITY SOUTH CU |
|---|---|
| Type | Credit Union |
| Address | CHIPLEY, FL 32428 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Apr 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 6.5% |
| Index | 1-Year T-Bill |
| Max Rate | 10.5% |
Source: Washington County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Florida |
| Municipality | Chipley City |
| County | Washington County |
| Unified School District | Washington County School District (PK - 12) |
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 | $1,359.00 (+9.51%) Homeowner's exemption | $110,148 (+5.99%) | $200,289 (+22.94%) Land $23,400 Building $176,889 |
| 2023 | $1,241.00 Homeowner's exemption | $103,926 | $162,921 Land $23,400 Building $139,521 |
Source: FEMA National Flood Hazard Layer, Washington County (12133C), updated July 4, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121339701042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (2020) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 44 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
May also be available: Verizon.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | CITY OF CHIPLEY serves 3,660 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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