Washington County property record for 745 3rd St, Chipley, FL 32428
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,568 sqft · built 2023 |
| Lot Size | 0.456 acres (19,863 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $17,000 (Oct 2022) |
| Tax Bill | $2,143 (2025) |
| Deeds & Mortgages | Jul 2024 Mortgage Dec 2022 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 000016600000 |
| Primary APN | 000016600000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,568 sqft Living Area |
| Gross Area | 1,676 sqft |
| 1st Floor Area | 1,568 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 19,863 sqft (0.456 acres) |
| Lot Dimensions | 255 ft deep x 78 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Porch | Finished/Open Porch |
| Patio Area | 98 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 745 3RD ST |
|---|---|
| City | CHIPLEY |
| State | FL |
| Zip | 32428-1823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 4 4 13 ORB 1254 P 870 BEG.SWC OF B28 RUN N. 71.8, NE TO NEC OF B28,S. TO SEC OF B28 W. TO POB IN N1/2 OF SW1/4, |
| Legal Range | 13W |
| Legal Township | 04S |
| Legal Section | 04 |
| Jurisdiction | WASHINGTON FL |
| Township / Civil Division | CHIPLEY |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 970103 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the South Third Street Historic District listed 1989 · 16 contributing resources · NRIS 89000045 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Washington County records, as of December 3, 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 |
|---|---|
| Mailing Address | 745 3RD ST, CHIPLEY, FL 32428-1823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 18, 2024 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 7, 2022 | Deed of Trust, Mortgage · Construction Mortgage AMERIS BANK |
| Oct 4, 2022 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Aug 16, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2022 · Amount on Record |
| Deed Sale | Oct 4, 2022 · Amount on Record |
| Prior Sale | Aug 16, 2022 · Amount on Record |
| Deed Document Number | 20228175 |
| Deed Book / Page | 1254 / 870 |
| Prior Transfer Date | Mar 23, 2022 |
| Prior Transfer Doc | 0067007022 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 745 3RD ST, CHIPLEY, FL 32428-1823 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 745 3RD ST, CHIPLEY, FL 32428-1823 |
| Investor | Possibly a Property Investor |
| Document Number | 0067005254 |
|---|---|
| Date | Jul 18, 2024 |
| Book Page | 1310/140 |
| Instrument | 202467005254 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 745 3RD ST, CHIPLEY, FL 32428-1823 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3646 N SIERRA WAY, SAN BERNARDINO, CA 92405-2218 |
| Investor | Possibly a Property Investor |
| Document Number | 0067009674 |
|---|---|
| Date | Dec 7, 2022 |
| Book Page | 1259/615 |
| Instrument | 202267009674 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.5% |
| Type Change Date | Jan 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 6.5% |
| Max Rate At Change | 10.5% |
| Index | Other |
| Max Rate | 13.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | Oct 4, 2022 |
| Property Address | 745 3RD ST, CHIPLEY, FL 32428-1823 |
| Document Number | 0067008175 |
| Book / Page | 1254 / 870 |
| Instrument Date | Sep 21, 2022 |
| Instrument | 202267008175 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $119.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3646 N SIERRA WAY, SAN BERNARDINO, CA 92405-2218 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | Aug 16, 2022 |
| Property Address | 745 3RD ST, CHIPLEY, FL 32428-1823 |
| Document Number | 0067007022 |
| Book / Page | 1250 / 921 |
| Instrument Date | Mar 23, 2022 |
| Instrument | 202267007022 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $43.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 ALABAMA AVE, LYNN HAVEN, FL 32444-1325 |
| Name | Verified Name |
|---|---|
| Address | 1309 COFFEEN AVE # 1662, 1662, SHERIDAN, WY 82801-5777 |
Source: Washington County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| Municipality | Chipley City |
| County | Washington County |
| Unified School District | Washington County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,143.00 (+5.98%) Homeowner's exemption | $146,929 (+2.9%) | $169,561 (+18.75%) Land $14,820 Building $154,741 |
| 2024 | $2,022.00 (+739%) Homeowner's exemption | $142,788 (+1,120.41%) Land $11,700 Building $131,088 | $142,788 (+1,120.41%) Land $11,700 Building $131,088 |
| 2023 | $241.00 (+14.76%) | $11,700 (+15.38%) Land $11,700 | $11,700 (+15.38%) Land $11,700 |
| 2022 | $210.00 | $10,140 Land $10,140 | $10,140 Land $10,140 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 225 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
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