Washington County property record for 528 Lakepointe Dr, Chipley, FL 32428
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,959 sqft · built 2024 |
| Lot Size | 0.996 acres (43,386 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $36,000 (Feb 2023) |
| Tax Bill | $3,407 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Jul 2023 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 000026660108 |
| Primary APN | 000026660108 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,959 sqft Heated Area |
| Gross Area | 2,879 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,386 sqft (0.996 acres) |
| Lot Dimensions | 317 ft deep x 137 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 000026660108 |
|---|---|
| Street Address | 528 LAKEPOINTE DR |
| City | CHIPLEY |
| State | FL |
| Zip | 32428-4132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 31 5 13 1.04 ORB 1264 P 674 LOT 8, LAKE POINTE S/D PLAT BK 5 P 51 |
| Legal Range | 13W |
| Legal Township | 05N |
| Legal Section | 31 |
| Legal Subdivision | LAKE POINTE |
| Legal Lot Number | 8 |
| Jurisdiction | WASHINGTON FL |
| Township / Civil Division | CHIPLEY |
| Census Block Group | 1 |
| Census Block | 1015 |
| 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 | 528 LAKEPOINTE DR, CHIPLEY, FL 32428-4132 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2025 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY BANK |
| Jul 24, 2023 | Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK |
| Feb 10, 2023 | Warranty Deed, Transfer SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 10, 2023 · Amount on Record |
| Deed Sale | Feb 10, 2023 · Amount on Record |
| Prior Sale | Apr 28, 2020 · Amount on Record |
| Deed Document Number | 202367000971 |
| Deed Book / Page | 1264 / 674 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 528 LAKEPOINTE DR, CHIPLEY, FL 32428-4132 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Title Company | TITLE FIRST, TITLE FIRST AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0067009147 |
|---|---|
| Date | Dec 22, 2025 |
| Book Page | 1357/105 |
| Instrument | 202567009147 |
| Name | UNIVERSITY BANK |
|---|---|
| Type | Bank |
| Address | 2015 WASHTENAW AVE, ANN ARBOR, MI 48104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 15, 2055 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 528 LAKEPOINTE DR, CHIPLEY, FL 32428-4132 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0067005087 |
|---|---|
| Date | Jul 24, 2023 |
| Book Page | 1278/316 |
| Instrument | 202367005087 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Aug 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Type Change Date | Aug 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 5.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year T-Bill |
| Max Rate | 13.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | Feb 10, 2023 |
| Property Address | 528 LAKEPOINTE DR, CHIPLEY, FL 32428-4132 |
| Document Number | 0067000971 |
| Book / Page | 1264 / 674 |
| Map Reference | MB 5 PG 51 |
| Instrument Date | Feb 10, 2023 |
| Instrument | 202367000971 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TITLE PANAMA CITY |
| Amount | Amount Recorded |
|---|---|
| Tax | $252.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 277 TRI COUNTY RD, GRACEVILLE, FL 32440-5521 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 695 5TH ST, CHIPLEY, FL 32428-1909 |
Source: Washington County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Washington County |
| Unified School District | Washington County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,407.00 (+743.32%) Homeowner's exemption | $286,845 (+856.15%) Land $30,000 Building $256,845 | $286,845 (+856.15%) Land $30,000 Building $256,845 |
| 2024 | $404.00 (+113.76%) | $30,000 (+1%) Land $30,000 | $30,000 (+1%) Land $30,000 |
| 2023 | $189.00 (+14.55%) | $15,000 (+25%) Land $15,000 | $15,000 (+25%) Land $15,000 |
| 2022 | $165.00 | $12,000 Land $12,000 | $12,000 Land $12,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
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