Washington County property record for 943 Oswald Rd, Chipley, FL 32428 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,949 sqft · built 2023 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | Individual Name on File |
| Last Sale | $19,000 (Nov 2015) |
| Tax Bill | $3,627 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 000020580002 |
| Primary APN | 000020580002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,949 sqft Heated Area |
| Gross Area | 4,041 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Architectural Style | Modular |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 108,900 sqft (2.5 acres) |
| Porch | Porch |
| Porch Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 000020580002 |
|---|---|
| Street Address | 943 OSWALD RD |
| City | CHIPLEY |
| State | FL |
| Zip | 32428-5957 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 7 4 13 2.5 OR 1036 P 334 E2 OF PRCL DESC AS BG AT NWC OF SE4 OF SE4, RN E 660 FT, S 330 FT, W 660 FT, N 330 FT TO POB , W/30 |
| Legal Range | 13W |
| Legal Township | 04N |
| Legal Section | 07 |
| Legal Block | 2058 |
| Legal Lot Number | 0002 |
| Jurisdiction | WASHINGTON FL |
| Township / Civil Division | CHIPLEY |
| Census Block Group | 3 |
| Census Block | 3037 |
| Census Tract | 970103 |
Source: Washington County records · APN 000020580002
Assessment roll updated July 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 943 OSWALD RD, CHIPLEY, FL 32428-5957 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 19, 2023 | Deed of Trust, Mortgage · Conventional Mortgage INNOVATIONS FINANCIAL CU |
| Apr 21, 2022 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SOUTH CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 17, 2015 · Amount on Record |
| Deed Sale | Nov 17, 2015 · Amount on Record |
| Deed Document Number | 201567006292 |
| Deed Book / Page | 1036 / 334 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 943 OSWALD RD, CHIPLEY, FL 32428-5957 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 943 OSWALD RD, CHIPLEY, FL 32428-5957 |
| Document Number | 0067005012 |
|---|---|
| Date | Jul 19, 2023 |
| Book Page | 1278/9 |
| Instrument | 202367005012 |
| Name | INNOVATIONS FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32408 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 943 OSWALD RD, CHIPLEY, FL 32428-5957 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0067003607 |
|---|---|
| Date | Apr 21, 2022 |
| Book Page | 1239/414 |
| Instrument | 202267003607 |
| Name | COMMUNITY SOUTH CU |
|---|---|
| Type | Credit Union |
| Address | CHIPLEY, FL 32428 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | May 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | May 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.5% |
| Index | 1-Year CMT |
| Max Rate | 9.5% |
Source: Washington County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Washington County |
| Unified School District | Washington County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,627.00 (-1.52%) Homeowner's exemption | $302,727 (-3.68%) Land $18,250 Building $284,477 | $302,727 (-4.33%) Land $18,250 Building $284,477 |
| 2024 | $3,683.00 (+1,123.59%) Homeowner's exemption | $314,295 (+567.69%) | $316,421 (+441.87%) Land $18,250 Building $298,171 |
| 2023 | $301.00 (+5.99%) Homeowner's exemption | $47,072 (+3%) | $58,394 (+7.08%) Land $18,250 Building $40,144 |
| 2022 | $284.00 Homeowner's exemption | $45,701 | $54,534 Land $18,250 Building $36,284 |
Source: FEMA National Flood Hazard Layer, Washington County (12133C), updated July 4, 2011 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 43% of the US · above 14% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,613 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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