616 Pear St, Chipley, FL 32428 Property Records

Washington County property record for 616 Pear St, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	1 ba · 932 sqft · built 1952
Lot Size	0.336 acres (14,636 sqft)
Owner	2 Individual Names on Record
Last Sale	$89,900 (Jun 2020)
Tax Bill	$322 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Jul 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`000015260000`

Property Details

APN / Parcel Number

Primary APN	`000015260000`
Alternative APNs	`00000000-00-1526-0000` `15260000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	932 sqft Living Area
Gross Area	1,164 sqft
1st Floor Area	872 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 1952
Effective Year Built	Effective 2011
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,636 sqft (0.336 acres)
Lot Dimensions	145 ft deep x 101 ft wide
Porch	Florida Room
Porch Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	616 PEAR ST
City	CHIPLEY
State	FL
Zip	32428-1005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 4 13 ORB 1179 P 566 LOTS 36, 37, MC/A,
Legal Range	13W
Legal Township	04S
Legal Section	04
Legal Subdivision	MCGEACHY ADD/CHIPLEY
Legal Lot Number	36,37
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	1
Census Block	1032
Census Tract	970103

Owner

Source: Washington County records, as of January 21, 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	616 PEAR ST, CHIPLEY, FL 32428-1005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2018	Deed of Trust, Mortgage · ARM COMMUNITY SOUTH CU
Jul 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU
Jun 29, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK
Mar 7, 2018	Warranty Deed, Transfer NOT AVAILABLE
May 9, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2020 · Amount on Record
Deed Sale	Jun 29, 2020 · Amount on Record
Prior Sale	Jun 29, 2020 · Amount on Record
Deed Document Number	202067004259
Deed Book / Page	1179 / 566
Prior Transfer Date	Mar 31, 2017
Prior Transfer Doc	0067002834
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	616 PEAR ST, CHIPLEY, FL 32428-1005
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067001940
Date	Mar 20, 2018
Book Page	1113/659
Instrument	201867001940

Lender

Name	COMMUNITY SOUTH CU
Type	Credit Union
Address	GRACEVILLE, FL 32440

Agreement

Type	ARM
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2028

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Apr 1, 2021
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	616 PEAR ST, CHIPLEY, FL 32428-1005
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067005074
Date	Jul 1, 2019
Book Page	1149/0292
Instrument	201967005074

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2029

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jun 29, 2020
Property Address	616 PEAR ST, CHIPLEY, FL 32428-1005
Document Number	0067004259
Book / Page	1179 / 566
Instrument Date	Jun 26, 2020
Instrument	202067004259
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	PANHANDLE LAND TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$629.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	877 1ST ST, 877, CHIPLEY, FL 32428-2231

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1507 DONNEL ROAD, CHIPLEY, FL 32428

Mortgage

Document Number	0000000568
Date	Jun 29, 2020
Instrument	1179/568

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Mortgage

Document Number	0067004261
Date	Jun 29, 2020
Book Page	1179/582
Instrument	202067004261

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Mar 7, 2018
Property Address	616 PEAR ST, CHIPLEY, FL 32428-1005
Document Number	0067001579
Book / Page	001112 / 000633
Instrument Date	Mar 7, 2018
Instrument	67001579
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 CHRISTY LN GRACEVILLE FL 324404504, GRACEVILLE, FL 32440-4504

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	May 9, 2017
Property Address	616 PEAR ST, CHIPLEY, FL 32428-1005
Document Number	0067002834
Book / Page	001088 / 000291
Instrument Date	Mar 31, 2017
Instrument	67002834
Transaction Type	Transfer
Record Updated	May 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	188 CHRISTY LN GRACEVILLE FL 324404504, GRACEVILLE, FL 32440-4504

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	$322.00 (+8.78%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$75,761 (+2.9%)	$91,385 (-6.89%) Land $5,000 Building $86,385
2024	$296.00 (+1.37%) Homeowner's exemption	$73,626 (+3%)	$98,145 (+10.54%) Land $5,000 Building $93,145
2023	$292.00 (-26.08%) Homeowner's exemption	$71,482 (+3%)	$88,788 (+9.58%) Land $4,000 Building $84,788
2022	$395.00 Homeowner's exemption	$69,400	$81,024 Land $4,000 Building $77,024

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
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 65% of the US · lower than 91% 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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