Washington County property record for 975 Chance Rd, Chipley, FL 32428 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1 Baths |
| Year Built | Built 1974 |
| Square Footage | 1,780 sqft Living Area |
| Lot Size | 228,690 sqft (5.25 acres) |
| Garage | Carport, 168 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $64,000 (2021) |
| Tax Bill | $430.00 (2025) |
Source: Washington County records · APN 000038620001
Assessment roll updated December 3, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 975 CHANCE RD, CHIPLEY, FL 32428-5908 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 01, 2022 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SOUTH CU |
| Mar 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SOUTH CU |
| Mar 14, 2023 | Deed of Trust, Mortgage · Line of Credit COMMUNITY SOUTH CU |
| Jan 28, 2025 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SOUTH CU |
| Aug 30, 2021 | Warranty Deed, Transfer PANHANDLE LAND TITLE LLC, PANHANDLE LAND TITLE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 30, 2021 · Amount on Record |
| Deed Sale | Aug 30, 2021 · Amount on Record |
| Deed Doc Number | 202167006417 |
| Deed Book / Page | 1216 / 678 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 975 CHANCE RD, CHIPLEY, FL 32428-5908 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 975 CHANCE RD, CHIPLEY, FL 32428-5908 |
| Document Number | 0067005822 |
|---|---|
| Date | Jul 01, 2022 |
| Book Page | 1246/932 |
| Instrument | 202267005822 |
| Name | COMMUNITY SOUTH CU |
|---|---|
| Type | Credit Union |
| Address | CHIPLEY, FL 32428 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 975 CHANCE RD, CHIPLEY, FL 32428-5908 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 975 CHANCE RD, CHIPLEY, FL 32428-5908 |
| Document Number | 0067002569 |
|---|---|
| Date | Mar 22, 2022 |
| Book Page | 1236/302 |
| Instrument | 202267002569 |
| Name | COMMUNITY SOUTH CU |
|---|---|
| Type | Credit Union |
| Address | CHIPLEY, FL 32428 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 30, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 975 CHANCE RD, CHIPLEY, FL 32428-5908 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 975 CHANCE RD, CHIPLEY, FL 32428-5908 |
| Document Number | 0067001816 |
|---|---|
| Date | Mar 14, 2023 |
| Book Page | 1267/184 |
| Instrument | 202367001816 |
| Name | COMMUNITY SOUTH CU |
|---|---|
| Type | Credit Union |
| Address | CHIPLEY, FL 32428 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 09, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Property Address | 975 CHANCE RD, CHIPLEY, FL 32428-5908 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 975 CHANCE RD, CHIPLEY, FL 32428-5908 |
| Document Number | 0067000464 |
|---|---|
| Date | Jan 28, 2025 |
| Book Page | 1326/365 |
| Instrument | 202567000464 |
| Name | COMMUNITY SOUTH CU |
|---|---|
| Type | Credit Union |
| Address | 1044 HIGHWAY 90, CHIPLEY, FL 32428 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Feb 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 5.62% |
| Max Rate At Change | 7.62% |
| Index | 1-Year CMT |
| Max Rate | 11.6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON FL |
| Recording Date | Aug 30, 2021 |
| Property Address | 975 CHANCE RD, CHIPLEY, FL 32428-5908 |
| Document Number | 0067006417 |
| Book / Page | 1216 / 678 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 202167006417 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | PANHANDLE LAND TITLE LLC, PANHANDLE LAND TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $448.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3058 KESLER RD, CARNESVILLE, GA 30521-2041 |
| Name | Verified Name |
|---|---|
| Address | 975 CHANCE RD, CHIPLEY, FL 32428-5908 |
Source: Washington County records · Assessment roll updated December 3, 2025 · Last verified July 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 | $430.00 (+6.17%) Homeowner's exemption | $65,719 (+2.9%) | $75,424 (+8.89%) Land $23,625 Building $51,799 |
| 2024 | $405.00 (+0.75%) Homeowner's exemption | $63,867 (+3%) | $69,265 (+6.82%) Land $19,950 Building $49,315 |
| 2023 | $402.00 (+1.26%) Homeowner's exemption | $62,007 (+3%) | $64,840 (+7.71%) Land $19,950 Building $44,890 |
| 2022 | $397.00 Homeowner's exemption | $60,201 Land $19,425 Building $40,776 | $60,201 Land $19,425 Building $40,776 |
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 |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 52% of the US · above 23% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,111 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 000038620001 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Baths |
|---|---|
| Building Area | 1,780 sqft Living Area |
| Gross Area | 2,335 sqft Gross Area |
| 1st Floor | 1,386 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 228,690 sqft (5.25 acres) |
| Garage Type | Carport Garage |
| Garage Area | 168 sqft Garage |
| Carport | Carport |
| Carport Area | 168 sqft Carport |
| Porch Area | 387 sqft Porch |
| Street Address | 975 CHANCE RD |
|---|---|
| City | CHIPLEY |
| State | FL |
| Zip | 32428-5908 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 11 4 14 5.25 ORB 1216 P 678 N 5AC OF SE4 OF NE4, BG 165 S OF NWC OF SE4 OF NE4, RUN S 30, E 420, N 30, W 420 TO POB, |
| Legal Range | 14W |
| Legal Township | 04S |
| Legal Section | 11 |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | WASHINGTON FL |
| Minor Civil Division | CHIPLEY |
| Census Blockgroup | 3 |
| Census Block | 3018 |
| Census Tract | 970103 |
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