640 3rd St, Chipley, FL 32428 Property Records

Washington County property record for 640 3rd St, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,751 sqft · built 1962
Lot Size	0.481 acres (20,952 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Nov 2014)
Tax Bill	$1,074 (2025)
Deeds & Mortgages	Mar 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`000015740000`

Property Details

APN / Parcel Number

Primary APN	`000015740000`
Alternative APNs	`00000000-00-1574-0000` `15740000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,751 sqft Living Area
Gross Area	2,529 sqft
1st Floor Area	1,751 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,952 sqft (0.481 acres)
Lot Width	150 ft Width
Garage Type	Detached
Garage Area	216 sqft
Porch	Finished/Open Porch
Porch Area	138 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	640 3RD ST
City	CHIPLEY
State	FL
Zip	32428-1441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 4 13 N1/2 OF S1/2 OF BLK 14 IN NW1/4, ORB 1002 P 236
Legal Range	13W
Legal Township	04S
Legal Section	04
Legal Subdivision	NORTHEAST 1/4 OF THE NORTHWEST 1/4 OF
Legal Block	14
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	2
Census Block	2010
Census Tract	970103

Owner

640 3rd St is owned and occupied by an individual who bought it in November 2014.

Source: Washington County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	640 3RD ST, CHIPLEY, FL 32428-1441
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2014 · Amount on File
Deed Sale	Nov 20, 2014 · Amount on File
Deed Document Number	201467006573
Deed Book / Page	1002 / 236
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	640 3RD ST, CHIPLEY, FL 32428-1441
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 3RD ST, CHIPLEY, FL 32428-1441

Mortgage

Document Number	0067001638
Date	Mar 5, 2026
Book Page	1363/802
Instrument	202667001638

Lender

Name	REGIONS BANK
Type	Bank
Address	2050 PARKWAY OFFICE CIR, HOOVER, AL 35244

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 640 3rd St was $1,074 with a homeowner's exemption, up 7.1% from the year before.

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	$1,074.00 (+7.08%) Homeowner's exemption	$95,680 (+2.9%)	$180,179 (+3.5%) Land $18,000 Building $162,179
2024	$1,003.00 (+4.59%) Homeowner's exemption	$92,983 (+3%)	$174,078 (+18.8%) Land $18,000 Building $156,078
2023	$959.00 (+5.15%) Homeowner's exemption	$90,275 (+3%)	$146,532 (+16.62%) Land $18,000 Building $128,532
2022	$912.00 Homeowner's exemption	$87,646	$125,653 Land $15,000 Building $110,653

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

Flood

FEMA maps place 640 3rd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	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

Wildfire risk around 640 3rd St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% 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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