657 Main St, Chipley, FL 32428 Property Records

Washington County property record for 657 Main St, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,804 sqft · built 1938
Lot Size	0.443 acres (19,297 sqft)
Owner	2 Individual Names on Record
Last Sale	$60,000 (Jan 2025)
Tax Bill	$1,896 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`000027520000`

Property Details

APN / Parcel Number

Primary APN	`000027520000`
Alternative APNs	`00000000-00-2752-0000` `27520000`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,804 sqft Living Area
Gross Area	2,440 sqft
1st Floor Area	1,804 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1981
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,297 sqft (0.443 acres)
Lot Dimensions	450 ft deep x 72 ft wide
Garage Type	Detached
Garage Area	372 sqft
Porch	Florida Room
Porch Area	182 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	657 MAIN ST
City	CHIPLEY
State	FL
Zip	32428-1251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	33 5 13 ORB 1326 P 32, LOTS 2 & 19 OF L/A BLK A AND 15 N & S. BY 145 E. & W. IN NWC OF LOT 1 OF L/A BLK A.
Legal Range	13W
Legal Township	05S
Legal Section	33
Legal Subdivision	W T LANEY ADD
Legal Block	A
Legal Lot Number	2,19
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	2
Census Block	2033
Census Tract	970104

Owner

Source: Washington County records, as of August 20, 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	200 N COVE BLVD, PANAMA CITY, FL 32401-3870
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Jan 15, 2025	Warranty Deed, Transfer PANHANDLE LAND TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2025 · Amount on Record
Deed Sale	Jan 15, 2025 · Amount on Record
Prior Sale	Dec 31, 2015 · Amount on Record
Deed Document Number	2025319
Deed Book / Page	1326 / 32
Prior Transfer Date	Oct 7, 2015
Prior Transfer Doc	0067006295
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Recording Date	Jul 29, 2026
Property Address	657 MAIN ST, CHIPLEY, FL 32428-1251
Document Number	0000005836
Book / Page	1379 / 45
Instrument Date	Jul 22, 2026
Instrument	20265836
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 MAIN ST, CHIPLEY, FL 32428-1251

Mortgage

Document Number	0000005836,
Date	Jul 29, 2026
Book Page	1379/45
Instrument	20265836

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.49%
Max Rate	-1%

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jan 15, 2025
Property Address	657 MAIN ST, CHIPLEY, FL 32428-1251
Document Number	0067000319
Book / Page	1326 / 32
Instrument Date	Jan 15, 2025
Instrument	202567000319
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	PANHANDLE LAND TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 147, HUNTINGTON BEACH, CA 92648-0147

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 N COVE BLVD, PANAMA CITY, FL 32401-3870

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	$1,896.00 (+5.92%)	$90,949 (-6.96%) Land $6,694 Building $84,255	$90,949 (-6.96%) Land $6,694 Building $84,255
2024	$1,790.00 (+8.55%)	$97,757 (+8.84%) Land $6,694 Building $91,063	$97,757 (+8.84%) Land $6,694 Building $91,063
2023	$1,649.00 (+9.13%)	$89,815 (+8.95%) Land $6,694 Building $83,121	$89,815 (+8.95%) Land $6,694 Building $83,121
2022	$1,511.00	$82,439 Land $6,694 Building $75,745	$82,439 Land $6,694 Building $75,745

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	3 in force
Nearby Flood Claims	3 (2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims

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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