515 2nd St, Chipley, FL 32428 Property Records

Washington County property record for 515 2nd St, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,018 sqft · built 1960
Lot Size	0.452 acres (19,689 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Jun 2023)
Tax Bill	$1,764 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000028710002`

Property Details

APN / Parcel Number

Primary APN	`000028710002`
Alternative APNs	`00000000-00-2871-0002` `28710002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,018 sqft Living Area
Gross Area	1,751 sqft
1st Floor Area	1,018 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2011
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	19,689 sqft (0.452 acres)
Lot Dimensions	263 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	390 sqft
Carport	Carport
Carport Area	390 sqft
Porch	Florida Room
Porch Area	343 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	515 2ND ST
City	CHIPLEY
State	FL
Zip	32428-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	33 5 13 ORB 1275 P 958 S1/2 OF LOT 10, LESS E. 60, N. 8 OF LOT 9, LESS E 60 OF LOT 9, H/A BLK F
Legal Range	13W
Legal Township	05S
Legal Section	33
Legal Subdivision	HAGERMANS ADD/CHIPLEY
Legal Block	2
Legal Lot Number	10,9
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	1
Census Block	1045
Census Tract	970103

Owner

Source: Washington County assessment roll, as of December 3, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	515 2ND ST, CHIPLEY, FL 32428-1105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Warranty Deed, Transfer · FHA Mortgage UNIVERSITY BANK
Aug 16, 2017	Deed of Trust, Mortgage AMERICAN UNITED FAMILY CREDIT UNIONS FCU
May 25, 2021	Warranty Deed, Transfer · Stand-Alone Second Mortgage SHANNON ROSS DEAL ETAL

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 27, 2023 · Amount on Record
Deed Sale	Jun 27, 2023 · Amount on Record
Prior Sale	May 25, 2021 · Amount on Record
Deed Document Number	20234421
Deed Book / Page	1275 / 958
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jun 27, 2023
Property Address	515 2ND ST, CHIPLEY, FL 32428-1105
Document Number	0067004421
Book / Page	1275 / 958
Instrument Date	Jun 15, 2023
Instrument	202367004421
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	FLORIDA LAND TITLE AND TRUST COMPANY, FLORIDA LAND TITLE & TR CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 2ND ST, CHIPLEY, FL 32428-1105

Mortgage

Document Number	0000000961
Date	Jun 27, 2023
Instrument	1275/961

Lender

Name	UNIVERSITY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	515 2ND ST, CHIPLEY, FL 32428-1105
Transaction Type	Mortgage
Record Updated	Dec 27, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067005587
Date	Aug 16, 2017
Book Page	1096/923
Instrument	201767005587

Lender

Name	AMERICAN UNITED FAMILY CREDIT UNIONS FCU
Type	Credit Union
Address	WEST JORDAN, UT 84088

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 10, 2032

Interest

Rate Type	Adjustable Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	May 25, 2021
Property Address	515 2ND ST, CHIPLEY, FL 32428-1105
Document Number	0067003940
Book / Page	1207 / 541
Instrument Date	May 24, 2021
Instrument	202167003940
Transaction Type	Transfer
Record Updated	Jun 17, 2021
Title Company	PANHANDLE LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$454.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	207 S HUBBARD ST, 207, BONIFAY, FL 32425-2738

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 2ND ST, CHIPLEY, FL 32428-1105

Mortgage

Document Number	0000000543
Date	May 25, 2021
Instrument	1207/543

Lender

Name	SHANNON ROSS DEAL ETAL
Type	Private Party

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	49 Months
Due	Jun 21, 2025

Tax Assessment & Valuation

Source: Washington County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Florida
Municipality	Chipley City
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	$1,764.00 (+6.2%) Homeowner's exemption	$128,752 (+2.9%)	$139,940 (+11.84%) Land $6,469 Building $133,471
2024	$1,661.00 (-14.43%) Homeowner's exemption	$125,123 (+33.07%) Land $6,469 Building $118,654	$125,123 (+33.07%) Land $6,469 Building $118,654
2023	$1,941.00 (+241.12%)	$94,030 (+57.4%) Land $6,469 Building $87,561	$94,030 (+57.4%) Land $6,469 Building $87,561
2022	$569.00 Homeowner's exemption	$59,741 Land $4,744 Building $54,997	$59,741 Land $4,744 Building $54,997

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	7 in force
Nearby Flood Claims	5 (1994–2018)
Most Recent Claim	Oct 2018 · Hurricane Michael

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

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Water System	CITY OF CHIPLEY serves 3,660 people · EPA ID FL1670135
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, 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 232 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wildstar Networks Fixed Wireless	200 / 50

May also be available: Verizon.

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