687 Main St, Chipley, FL 32428 Property Records

Washington County property record for 687 Main St, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,331 sqft · built 1941
Lot Size	0.243 acres (10,628 sqft)
Owner	2 Individual Names on Record
Tax Bill	$792 (2025)
Deeds & Mortgages	Aug 2021 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`000026860000`

Property Details

APN / Parcel Number

Primary APN	`000026860000`
Alternative APN	`26860000`

Interior

Full Baths	2 Baths
Building Area	1,331 sqft Heated Area
Gross Area	2,047 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 2011
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,628 sqft (0.243 acres)
Lot Dimensions	150 ft deep x 71 ft wide
Garage Type	Carport
Carport	Carport
Porch	Open Porch
Porch Area	140 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	000026860000
Street Address	687 MAIN ST
City	CHIPLEY
State	FL
Zip	32428-1252
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	33 5 13 ORB 1163 P 44 BEG. 131' N. OF SWC OF LOT 4, RUN E. 150', N. 71', W.150', S. 71', TO BEG. BLK A, (ELE ORB 1275 P 294)
Legal Range	13W
Legal Township	05N
Legal Section	33
Legal Subdivision	HAGERMAN ADD
Legal Block	A
Legal Lot Number	4
Jurisdiction	WASHINGTON FL
Township / Civil Division	CHIPLEY
Census Block Group	2
Census Block	2034
Census Tract	970104

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	2 Individual Names on Record
Mailing Address	687 MAIN ST, CHIPLEY, FL 32428-1252
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
May 6, 2020	Deed of Trust, Mortgage REGIONS BANK
Jun 8, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Dec 2, 2019	Warranty Deed, Transfer NORTHWEST TITLE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2023
Deed Sale	Jun 19, 2023
Deed Document Number	0001275294
Deed Book / Page	1163 / 0044
Prior Transfer Date	Dec 2, 2019
Prior Transfer Doc	201967009444
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	687 MAIN ST, CHIPLEY, FL 32428-1252
Transaction Type	Mortgage
Record Updated	Sep 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	687 MAIN ST, CHIPLEY, FL 32428-1252

Mortgage

Document Number	0067005656
Date	Aug 3, 2021
Book Page	1214/256
Instrument	202167005656

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	687 MAIN ST, CHIPLEY, FL 32428-1252
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067003036
Date	May 6, 2020
Book Page	1175/662
Instrument	202067003036

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Amount	Amount Recorded
Term	177 Months
Due	Feb 26, 2035

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	687 MAIN ST, CHIPLEY, FL 32428-1252
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067003850
Date	Jun 8, 2020
Book Page	1178/53
Instrument	202067003850

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 20, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Dec 2, 2019
Property Address	687 MAIN ST, CHIPLEY, FL 32428-1252
Document Number	0067009444
Book / Page	001163 / 000044
Instrument Date	Nov 27, 2019
Instrument	67009444
Transaction Type	Transfer
Record Updated	Dec 18, 2019
Title Company	NORTHWEST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$822.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2360 DEER HAVEN LN CHIPLEY FL 324283881, CHIPLEY, FL 32428-3881

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	$792.00 (+8.34%) Homeowner's exemption	$87,135 (+2.9%)	$166,866 (+11.9%) Land $5,325 Building $161,541
2024	$731.00 (+5.94%) Homeowner's exemption	$84,679 (+3%)	$149,121 (+18.82%) Land $5,325 Building $143,796
2023	$690.00 (-6.63%) Homeowner's exemption	$82,213 (+3%)	$125,501 (+9.34%) Land $5,325 Building $120,176
2022	$739.00 Homeowner's exemption	$79,818	$114,777 Land $5,325 Building $109,452

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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% 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 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wildstar Networks Fixed Wireless	200 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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