645 3rd St, Chipley, FL 32428 Property Records

Washington County property record for 645 3rd St, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,308 sqft · built 1967
Lot Size	0.911 acres (39,683 sqft)
Owner	2 Individual Names on File
Last Sale	$69,000 (Oct 2019)
Tax Bill	$1,773 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Nov 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`000015830000`

Property Details

APN / Parcel Number

Primary APN	`000015830000`
Alternative APNs	`00000000-00-1583-0000` `15830000`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,308 sqft Living Area
Gross Area	5,327 sqft
1st Floor Area	2,790 sqft
Basement Area	682 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1993
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	39,683 sqft (0.911 acres)
Lot Dimensions	315 ft deep x 260 ft wide
Garage Type	Carport
Garage Area	775 sqft
Carport	Carport
Carport Area	775 sqft

Exterior Amenities

Pool Area	656 sqft
Porch	Finished/Open Porch
Porch Area	341 sqft
Patio Area	1,221 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	645 3RD ST
City	CHIPLEY
State	FL
Zip	32428-1445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 4 13 ORB 1131 P 179 LTS 31-38, ALL BTWN WATTS AVE & LOTS 37,38 ALSO LOT 170 N&S BY 80 E&W IN SWC OF BLK 16 ORB 1158 P 582
Legal Range	13W
Legal Township	04S
Legal Section	04
Legal Subdivision	MILLER ADD
Legal Block	16
Legal Lot Number	31-38
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	2
Census Block	2011
Census Tract	970103

Owner

645 3rd St is owned and occupied by two individuals who bought it in October 2019.

Source: Washington County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	645 3RD ST, CHIPLEY, FL 32428-1445
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

Date	Document
Oct 11, 2019	Quit Claim Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 19, 2018	Warranty Deed, Transfer · FHA Mortgage STEARNS LENDING LLC
Mar 5, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 26, 2017	Warranty Deed, Transfer · Construction Mortgage SARAH L MICHAELS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2019 · Amount on File
Deed Sale	Oct 11, 2019 · Amount on File
Prior Sale	Nov 19, 2018 · Amount on File
Deed Document Number	201967008110
Deed Book / Page	1158 / 582
Prior Transfer Date	Oct 7, 2019
Prior Transfer Doc	0067008110
Record Updated	Oct 29, 2026

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	Oct 11, 2019
Property Address	645 3RD ST, CHIPLEY, FL 32428-1445
Document Number	0067008110
Book / Page	1158 / 0582
Instrument Date	Oct 7, 2019
Instrument	201967008110
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	SAGE TITLE & ESCROW

Transaction

Amount	Amount on Record
Tax	$483.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	643 3RD ST, CHIPLEY, FL 32428-1445

Mortgage

Document Number	0067008111
Date	Oct 11, 2019
Book Page	1158/0584
Instrument	201967008111

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Nov 19, 2018
Property Address	645 3RD ST, CHIPLEY, FL 32428-1445
Document Number	0067007672
Book / Page	1131 / 179
Instrument Date	Nov 16, 2018
Instrument	201867007672
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	PANHANDLE LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1608 IVY DR, 1608, DOTHAN, AL 36301-5511

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	645 3RD ST, CHIPLEY, FL 32428-1445

Mortgage

Document Number	0067007673
Date	Nov 19, 2018
Instrument	201867007673

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WASHINGTON FL
Recording Date	Mar 5, 2018
Property Address	645 3RD ST, CHIPLEY, FL 32428-1445
Document Number	0067001534
Book / Page	001112 / 000514
Instrument Date	Mar 5, 2018
Instrument	67001534
Transaction Type	Transfer
Record Updated	Mar 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$980.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 IVY DR DOTHAN AL 363015511, DOTHAN, AL 36301-5511

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	May 26, 2017
Property Address	645 3RD ST, CHIPLEY, FL 32428-1445
Document Number	0067003250
Book / Page	001089 / 000829
Instrument Date	May 26, 2017
Instrument	67003250
Transaction Type	Transfer
Record Updated	Jun 8, 2017
Title Company	PANHANDLE LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 3RD ST CHIPLEY FL 324281445, CHIPLEY, FL 32428-1445

Mortgage

Document Number	67003251
Date	May 26, 2017
Book Page	001089/000831
Instrument	67003251

Lender

Name	SARAH L MICHAELS
Address	1910 HONEYSUCKLE RD, DOTHAN, AL 36305-4210
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 25, 2018

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

The 2025 property tax bill for 645 3rd St was $1,773 with exemptions applied, up 0.2% 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	$1,773.00 (+0.23%) Homeowner's exemption Widower's exemption	$134,181 (+2.9%)	$281,093 (+2.42%) Land $39,600 Building $241,493
2024	$1,769.00 (+3.45%) Homeowner's exemption	$130,399 (+3%)	$274,440 (+13.18%) Land $39,600 Building $234,840
2023	$1,710.00 (+4.08%) Homeowner's exemption	$126,601 (+3%)	$242,483 (+16.85%) Land $39,600 Building $202,883
2022	$1,643.00 Homeowner's exemption	$122,914	$207,510 Land $33,000 Building $174,510

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

Flood

FEMA maps place 645 3rd St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2002.

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

Wildfire risk around 645 3rd St is low, with a 0.02% 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	0.02% 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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