589 1st St, Chipley, FL 32428 Property Records

Washington County property record for 589 1st St, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,146 sqft · built 1974
Lot Size	0.481 acres (20,952 sqft)
Owner	2 Individual Names on Record
Last Sale	$129,000 (Sep 2024)
Tax Bill	$1,043 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`000027950008`

Property Details

APN / Parcel Number

Primary APN	`000027950008`
Alternative APNs	`00000000-00-2795-0008` `27950008`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,146 sqft Living Area
Gross Area	1,434 sqft
1st Floor Area	1,050 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1994
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,952 sqft (0.481 acres)
Lot Dimensions	233 ft deep x 90 ft wide
Garage Type	Carport
Garage Area	480 sqft
Carport	Carport
Carport Area	480 sqft
Porch	Florida Room
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	589 1ST ST
City	CHIPLEY
State	FL
Zip	32428-1025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	33 5 13 ORB 1314 P 865 BEG. 382 W, 90 S. OF NEC OF LOT 1,RUN E. 232,S. 90, W.232 N. 90 TO POB H/A, ORB 1320 P 642 DIE.
Legal Range	13W
Legal Township	05S
Legal Section	33
Legal Subdivision	HAGERMAN ADD
Legal Block	8
Legal Lot Number	1
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	1
Census Block	1034
Census Tract	970103

Owner

Source: Washington County records, 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 Record
Mailing Address	589 1ST ST, CHIPLEY, FL 32428-1025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 30, 2019	Warranty Deed, Transfer · Line of Credit PEOPLESSOUTH BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2024 · Amount on Record
Deed Sale	Sep 6, 2024 · Amount on Record
Prior Sale	May 30, 2019 · Amount on Record
Deed Document Number	20246577
Deed Book / Page	1314 / 865
Last Transfer Date	Nov 8, 2024
Transfer Doc	0067008201
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	589 1ST ST, CHIPLEY, FL 32428-1025
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	589 1ST ST, CHIPLEY, FL 32428-1025

Mortgage

Document Number	0067007824
Date	Oct 21, 2021
Book Page	1221/473
Instrument	202167007824

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	May 30, 2019
Property Address	589 1ST ST, CHIPLEY, FL 32428-1025
Document Number	0067004227
Book / Page	1146 / 0586
Instrument Date	May 23, 2019
Instrument	201967004227
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	H & S TITLE AND ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 435, CHIPLEY, FL 32428-0435

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	589 1ST ST, CHIPLEY, FL 32428-1025

Mortgage

Document Number	0000000587
Date	May 30, 2019
Instrument	1146/587

Lender

Name	PEOPLESSOUTH BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	64 Months
Due	Sep 23, 2024

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	$1,043.00 (+135.97%)	$94,212 (+102.06%) Land $7,762 Building $86,450	$94,212 (+23.93%) Land $7,762 Building $86,450
2024	$442.00 (+5.74%) Homeowner's exemption	$46,626 (+3%)	$76,021 (+8.75%) Land $7,762 Building $68,259
2023	$418.00 (+6.36%) Homeowner's exemption	$45,268 (+3%)	$69,903 (+12.47%) Land $7,762 Building $62,141
2022	$393.00 Homeowner's exemption	$43,950	$62,150 Land $5,692 Building $56,458

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 AE, 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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 206 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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