678 Main St, Chipley, FL 32428 Property Records

Washington County property record for 678 Main St, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,135 sqft · built 1946
Lot Size	0.809 acres (35,283 sqft)
Owner	Individual Name on Record
Last Sale	$108,500 (Jul 2017)
Tax Bill	$1,747 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`000027230000`

Property Details

APN / Parcel Number

Primary APN	`000027230000`
Alternative APN	`27230000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,135 sqft Heated Area
Gross Area	4,275 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1996
Exterior Material	Shingles
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	35,283 sqft (0.809 acres)
Lot Width	235 ft Width
Garage Type	Mixed
Garage Area	1,280 sqft
Porch	Open Porch
Porch Area	638 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000027230000
Street Address	678 MAIN ST
City	CHIPLEY
State	FL
Zip	32428-1245
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	33 5 13 ORB 1095 P 651 BEG 125 1/2' S. OF NEC OF LOT 1, RUN S. 150', W.150', N.65', W. TO ST.,N.85',E. TO BEG BLK B, ORB 1095
Legal Range	13W
Legal Township	05N
Legal Section	33
Legal Subdivision	HAGERMAN AD/CHIPLEY
Legal Block	B
Legal Lot Number	1
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	2
Census Block	2005
Census Tract	970103

Owner

Source: Washington County records, as of December 22, 2025

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	678 MAIN ST, CHIPLEY, FL 32428-1245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2023	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SOUTH CU
Dec 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SOUTH CU
Jul 28, 2017	Warranty Deed, Transfer · ARM COMMUNITY SOUTH CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2017 · Amount on Record
Deed Sale	Jul 28, 2017 · Amount on Record
Prior Sale	Jan 10, 2011 · Amount on Record
Deed Document Number	201767005103
Deed Book / Page	1095 / 651
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	678 MAIN ST, CHIPLEY, FL 32428-1245
Transaction Type	Mortgage
Record Updated	Sep 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	678 MAIN ST, CHIPLEY, FL 32428-1245

Mortgage

Document Number	0067005499
Date	Aug 7, 2023
Book Page	1279/686
Instrument	202367005499

Lender

Name	COMMUNITY SOUTH CU
Type	Credit Union
Address	CHIPLEY, FL 32428

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	6.5%
Max Rate At Change	8.5%
Index	1-Year T-Bill
Max Rate	12.5%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	678 MAIN ST, CHIPLEY, FL 32428-1245
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	678 MAIN ST, CHIPLEY, FL 32428-1245

Mortgage

Document Number	0067009629
Date	Dec 2, 2021
Book Page	1226/198
Instrument	202167009629

Lender

Name	COMMUNITY SOUTH CU
Type	Credit Union
Address	CHIPLEY, FL 32428

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 30, 2022

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Jul 28, 2017
Property Address	678 MAIN ST, CHIPLEY, FL 32428-1245
Document Number	0067005103
Book / Page	1095 / 651
Instrument Date	Jul 26, 2017
Instrument	201767005103
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	FLORIDA LAND TITLE & TR CO

Transaction

Amount	Amount Recorded
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	335 ALFORD RD, 335, COTTONDALE, FL 32431-9207

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	678 MAIN ST, CHIPLEY, FL 32428-1245

Mortgage

Document Number	0000000653
Date	Jul 28, 2017
Instrument	1095/653

Lender

Name	COMMUNITY SOUTH CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	7%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2020
Min Rate At Change	7%
Max Rate At Change	9%
Index	1-Year CMT
Max Rate	13%

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	$1,747.00 (+6.2%) Homeowner's exemption	$127,939 (+2.9%)	$206,445 (+1.78%) Land $17,625 Building $188,820
2024	$1,645.00 (+3.59%) Homeowner's exemption	$124,333 (+3%)	$202,841 (+8.66%) Land $17,625 Building $185,216
2023	$1,588.00 (+4.13%) Homeowner's exemption	$120,712 (+3%)	$186,673 (+9.84%) Land $17,625 Building $169,048
2022	$1,525.00 Homeowner's exemption	$117,196	$169,952 Land $15,925 Building $154,027

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	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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