632 Main St, Chipley, FL 32428 Property Records

Washington County property record for 632 Main St, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,684 sqft · built 1915
Lot Size	0.546 acres (23,827 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Dec 2025)
Tax Bill	$1,308 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jul 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`000027430000`

Property Details

APN / Parcel Number

Primary APN	`000027430000`
Alternative APN	`27430000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,684 sqft Heated Area
Gross Area	3,262 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	23,827 sqft (0.546 acres)
Lot Dimensions	298 ft deep x 80 ft wide
Porch	Open Porch
Porch Area	578 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000027430000
Street Address	632 MAIN ST
City	CHIPLEY
State	FL
Zip	32428-1244
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	33 5 13 ORB 403 P 257 N2 OF LOT 15, BLK B, (LE ORB 1181 P 232)
Legal Range	13W
Legal Township	05N
Legal Section	33
Legal Subdivision	HAGERMAN ADD
Legal Block	B
Legal Lot Number	15
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	2
Census Block	2000
Census Tract	970103

Owner

Source: Washington County records, as of January 16, 2026

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	12 COPE RD, CHIPLEY, FL 32428-4116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Warranty Deed, Transfer · Conventional Mortgage RIVER BANK & TRUST
Jul 16, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2025 · Amount on Record
Deed Sale	Dec 22, 2025 · Amount on Record
Prior Sale	Jul 16, 2020
Deed Document Number	202567009144
Deed Book / Page	1357 / 67
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Dec 22, 2025
Property Address	632 MAIN ST, CHIPLEY, FL 32428-1244
Document Number	0067009144
Book / Page	1357 / 67
Instrument Date	Dec 19, 2025
Instrument	202567009144
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	PANHANDLE LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	632 MAIN ST, CHIPLEY, FL 32428-1244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 COPE RD, CHIPLEY, FL 32428-4116

Mortgage

Document Number	0000000069
Date	Dec 22, 2025
Instrument	1357/69

Lender

Name	RIVER BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jul 16, 2020
Property Address	632 MAIN ST, CHIPLEY, FL 32428-1244
Document Number	0067004670
Book / Page	001181 / 000232
Instrument Date	Jul 16, 2020
Instrument	67004670
Transaction Type	Transfer
Record Updated	Jul 29, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	632 MAIN ST CHIPLEY FL 324281244, CHIPLEY, FL 32428-1244

Tax Assessment & Valuation

Source: Washington County assessment roll, as of July 1, 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	$1,308.00 (+6.86%) Homeowner's exemption	$111,917 (+2.9%)	$211,408 (+9.83%) Land $7,500 Building $203,908
2024	$1,224.00 (+4.44%) Homeowner's exemption	$108,763 (+3%)	$192,494 (+9.06%) Land $7,500 Building $184,994
2023	$1,172.00 (-3.14%) Homeowner's exemption	$105,595 (+3%)	$176,497 (+9.18%) Land $7,500 Building $168,997
2022	$1,210.00 Homeowner's exemption	$102,519	$161,655 Land $7,500 Building $154,155

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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	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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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.

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 232 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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