605 2nd St, Chipley, FL 32428 Property Records

Washington County property record for 605 2nd St, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,079 sqft · built 1946
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (May 2024)
Tax Bill	$1,588 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Mar 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000027900000`

Property Details

APN / Parcel Number

Primary APN	`000027900000`
Alternative APNs	`00000000-00-2790-0000` `27900000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,079 sqft Living Area
Gross Area	1,447 sqft
1st Floor Area	1,079 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1946
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Porch	Florida Room
Porch Area	160 sqft
Patio Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	605 2ND ST
City	CHIPLEY
State	FL
Zip	32428-1108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	33 5 13 LOTS 15,16,17, L/A ORB 1303 P 904
Legal Range	13W
Legal Township	05S
Legal Section	33
Legal Subdivision	LANEY LOTS
Legal Lot Number	15-17
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	2
Census Block	2002
Census Tract	970103

Owner

Source: Washington County records, as of October 12, 2026

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	604 GROVE ST, CHIPLEY, FL 32428-1004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Warranty Deed, Transfer · FHA Mortgage TYNDALL FCU
Mar 1, 2018	Loan Modification, Mortgage · Line of Credit ONE SOUTH BK
Jul 18, 2017	Loan Modification, Mortgage · Conventional Mortgage ONE SOUTH BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2024 · Amount on Record
Deed Sale	May 14, 2024 · Amount on Record
Prior Sale	Sep 9, 2021 · Amount on Record
Deed Document Number	20243616
Deed Book / Page	1303 / 904
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Sep 9, 2021
Property Address	605 2ND ST, CHIPLEY, FL 32428-1108
Document Number	0067006639
Book / Page	1217 / 449
Instrument Date	Sep 9, 2021
Instrument	202167006639
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1332 OLD BONIFAY RD, 1332, CHIPLEY, FL 32428-1403

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 MALAGA PL, PANAMA CITY BEACH, FL 32413-1680

Mortgage

Document Number	0000000451
Date	Sep 9, 2021
Instrument	1217/451

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

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

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WASHINGTON FL
Property Address	605 2ND ST, CHIPLEY, FL 32428-1108
Document Number	0067001754
Instrument Date	Mar 1, 2018
Transaction Type	Mortgage
Record Updated	Mar 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1332 OLD BONIFAY RD CHIPLEY FL 324281403, CHIPLEY, FL 32428-1403

Mortgage

Document Number	0067001754
Date	Mar 12, 2018
Book Page	001112/000987
Instrument	67001754

Lender

Name	ONE SOUTH BK
Type	Bank
Address	CHIPLEY, FL 32428

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 11, 2023

Interest

Rate Type	Adjustable Rate

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WASHINGTON FL
Property Address	605 2ND ST, CHIPLEY, FL 32428-1108
Document Number	0067004837
Book / Page	001095 / 000057
Instrument Date	Jul 18, 2017
Transaction Type	Mortgage
Record Updated	Aug 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1332 OLD BONIFAY RD CHIPLEY FL 324281403, CHIPLEY, FL 32428-1403

Mortgage

Document Number	0067004837
Date	Jul 24, 2017
Book Page	001095/000057
Instrument	67004837

Lender

Name	ONE SOUTH BK
Type	Bank
Address	CHIPLEY, FL 32428

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 23, 2022

Interest

Rate	6%

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	$1,588.00 (+49.11%) Homeowner's exemption Veteran's exemption	$125,333 (+24.09%) Land $6,000 Building $119,333	$125,333 (+10.18%) Land $6,000 Building $119,333
2024	$1,065.00 (-4.91%) Homeowner's exemption	$100,998 (+3%)	$113,752 (+9.24%) Land $6,000 Building $107,752
2023	$1,120.00 (+4.87%) Homeowner's exemption	$98,056 (+3%)	$104,133 (+9.38%) Land $6,000 Building $98,133
2022	$1,068.00 Homeowner's exemption	$95,200 Land $6,000 Building $89,200	$95,200 Land $6,000 Building $89,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	7 (2002–2020)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Sep 2020 · Hurricane Sally

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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