Washington County property record for 521 2nd St, Chipley, FL 32428
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,230 sqft · built 1981 |
| Lot Size | 0.701 acres (30,579 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $149,900 (May 2022) |
| Tax Bill | $2,003 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage May 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 000028700001 |
| Primary APN | 000028700001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,230 sqft Heated Area |
| Gross Area | 1,722 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 30,579 sqft (0.701 acres) |
| Lot Dimensions | 161 ft deep x 190 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
| Patio Area | 144 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 000028700001 |
|---|---|
| Street Address | 521 2ND ST |
| City | CHIPLEY |
| State | FL |
| Zip | 32428-1105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 33 5 13 ORB 1240 P 497 BEG 8' S OF NWC OF LOT 9,RUN E.161.5',S.190',W.161.5',N.190 0' TO POB IN BLK F H/A |
| Legal Range | 13W |
| Legal Township | 05N |
| Legal Section | 33 |
| Legal Subdivision | HAGERMANS ADD |
| Legal Block | F |
| Legal Lot Number | 9 |
| Jurisdiction | WASHINGTON FL |
| Township / Civil Division | CHIPLEY |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 970103 |
Source: Washington County records, as of December 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 521 2ND ST, CHIPLEY, FL 32428-1105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 8, 2025 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING CORP |
| May 3, 2022 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 3, 2022 · Amount on Record |
| Deed Sale | May 3, 2022 · Amount on Record |
| Deed Document Number | 202267003981 |
| Deed Book / Page | 1240 / 497 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 521 2ND ST, CHIPLEY, FL 32428-1105 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Title Company | FITCO |
| Name | Verified Name |
|---|---|
| Address | 521 2ND ST, CHIPLEY, FL 32428-1105 |
| Document Number | 0067007155 |
|---|---|
| Date | Oct 8, 2025 |
| Book Page | 1350/7 |
| Instrument | 202567007155 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | 3045 S PARKER RD # B-100, AURORA, CO 80014 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | May 3, 2022 |
| Property Address | 521 2ND ST, CHIPLEY, FL 32428-1105 |
| Document Number | 0067003981 |
| Book / Page | 1240 / 497 |
| Map Reference | MB 1 PG 22 |
| Instrument Date | Apr 29, 2022 |
| Instrument | 202267003981 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2022 |
| Title Company | PANHANDLE LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,049.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1143 WHITTINGTON RD, 1143, CHIPLEY, FL 32428-4034 |
| Name | Verified Name |
|---|---|
| Address | 114 TRUNBURY DR, DOTHAN, AL 36305-8401 |
| Document Number | 0000000500 |
|---|---|
| Date | May 3, 2022 |
| Instrument | 1240/500 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2052 |
Source: Washington County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| Municipality | Chipley City |
| County | Washington County |
| Unified School District | Washington County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,003.00 (+6.03%) Homeowner's exemption | $140,248 (+2.9%) | $162,220 (+12.81%) Land $15,675 Building $146,545 |
| 2024 | $1,889.00 (+3.34%) Homeowner's exemption | $136,295 (+3%) | $143,800 (+8.67%) Land $15,675 Building $128,125 |
| 2023 | $1,828.00 (-10.57%) Homeowner's exemption | $132,325 (+18.46%) Land $15,675 Building $116,650 | $132,325 (+18.46%) Land $15,675 Building $116,650 |
| 2022 | $2,044.00 | $111,707 Land $10,450 Building $101,257 | $111,707 Land $10,450 Building $101,257 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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