977 Pioneer Rd, Chipley, FL 32428 Property Records

Washington County property record for 977 Pioneer Rd, Chipley, FL 32428

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 1,958 sqft · built 1997
Lot Size	22.7 acres (990,990 sqft)
Owner	Individual Name on File
Last Sale	$379,500 (Dec 2017)
Tax Bill	$3,094 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08530002`

Property Details

APN / Parcel Number

Primary APN	`08530002`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Building Area	1,958 sqft Heated Area
Gross Area	6,332 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2012
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	990,990 sqft (22.7 acres)
Garage Type	Carport
Carport	Carport
Porch	Finished/Screened Porch
Porch Area	2,432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	977 PIONEER RD
City	CHIPLEY
State	FL
Zip	32428-4897
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	23 3 13 22.75 ORB 1105 P 886 E1/2 OF N. 27.5 A. OF NE1/4 OF SW1/4, E. 7 AC OF W1/2 OF N. 27 1/2 AC OF NE1/4 OF SW1/4, AND BEG
Legal Range	13W
Legal Township	03N
Legal Section	23
Legal Block	0853
Legal Lot Number	0002
Jurisdiction	WASHINGTON FL
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2027
Census Tract	970303

Owner

977 Pioneer Rd is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	977 PIONEER RD, CHIPLEY, FL 32428-4897
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Deed of Trust, Mortgage · Line of Credit TYNDALL FCU
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 12, 2017	Warranty Deed, Transfer · Conventional Mortgage LENDING HAND MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2017 · Amount on File
Deed Sale	Dec 12, 2017 · Amount on File
Deed Document Number	201767008429
Deed Book / Page	1105 / 886
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	977 PIONEER RD, CHIPLEY, FL 32428-4897
Transaction Type	Mortgage
Record Updated	Jun 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 PIONEER RD, CHIPLEY, FL 32428-4897

Mortgage

Document Number	0067003332
Date	Apr 12, 2022
Book Page	1238/501
Instrument	202267003332

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON FL
Property Address	977 PIONEER RD, CHIPLEY, FL 32428-4897
Transaction Type	Mortgage
Record Updated	Dec 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067009464
Date	Nov 24, 2021
Book Page	1225/705
Instrument	202167009464

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WASHINGTON FL
Recording Date	Dec 12, 2017
Property Address	977 PIONEER RD, CHIPLEY, FL 32428-4897
Document Number	0067008429
Book / Page	1105 / 886
Instrument Date	Dec 8, 2017
Instrument	201767008429
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 130, WAUSAU, FL 32463-0130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 PIONEER RD, CHIPLEY, FL 32428-4897

Mortgage

Document Number	0067008430
Date	Dec 12, 2017
Instrument	201767008430

Lender

Name	LENDING HAND MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 977 Pioneer Rd was $3,094 with a homeowner's exemption, up 6.3% from the year before.

Source: Washington County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
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	$3,094.00 (+6.32%) Homeowner's exemption	$264,213 (+2.84%)	$507,079 (+13.13%)
2024	$2,910.00 (+2.03%) Homeowner's exemption	$256,906 (+2.94%)	$448,217 (+8.17%)
2023	$2,852.00 (+2.7%) Homeowner's exemption	$249,567 (+2.94%)	$414,377 (+11.09%)
2022	$2,777.00 Homeowner's exemption	$242,442	$373,007

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 977 Pioneer Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1990.

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	4 in force
Nearby Flood Claims	3 (1990–2018)
Most Recent Claim	Oct 2018 · Hurricane Michael

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

Wildfire risk around 977 Pioneer Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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