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979 Falling Waters Rd, Chipley, FL 32428 Property Records

Washington County property record for 979 Falling Waters Rd, Chipley, FL 32428 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2012
Square Footage2,102 sqft Living Area
Lot Size43,560 sqft (1 acres)
OccupancyOwner Occupied
Last Sale$100 (2026)
Tax Bill$2,315.00 (2025)

Property Details

APN / Parcel Number

Primary APN000022270005
Alternative APNs
  • 00000000-00-2227-0005
  • 22270005

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,102 sqft Living Area
Gross Area3,178 sqft Gross Area
1st Floor2,102 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 2012
Exterior MaterialBrick Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area43,560 sqft (1 acres)
Garage TypeAttached Garage
Garage Area560 sqft Garage
Pool Area280 sqft Pool
Porch Area516 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address979 FALLING WATERS RD
CityCHIPLEY
StateFL
Zip32428-4384
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description9 4 13 1 ORB 1140 P 350 BEG 54.81 E OF SWC OF SE4 OF SE4, RUN N 201.82, E 217.99, S 202.58 W 218 TO POB
Legal Range13W
Legal Township04S
Legal Section09
Legal Block5
Legal Lot Number5
JurisdictionWASHINGTON FL
Minor Civil DivisionCHIPLEY
Census Blockgroup1
Census Block1037
Census Tract970104

Owner

Source: Washington County records · APN 000022270005

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 Record2 Individual Names on File
Mailing Address979 FALLING WATERS RD, CHIPLEY, FL 32428-4384
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Apr 21, 2026Quit Claim Deed, Transfer · Veterans Administration Mortgage
INDEPENDENT HOME LOANS
Dec 11, 2019Deed of Trust, Mortgage · Veterans Administration Mortgage
CLEARPATH LNDG
Mar 19, 2019Warranty Deed, Transfer · Veterans Administration Mortgage
SMARTBANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 21, 2026 · Amount on Record
Deed SaleApr 21, 2026 · Amount on Record
Prior SaleMar 19, 2019 · Amount on Record
Deed Doc Number20262972
Deed Book / Page1368 / 588
Prior Transfer DateFeb 23, 2026
Prior Transfer Doc0000002972
Record RefreshedSep 20, 2026

April 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWASHINGTON FL
Recording DateApr 21, 2026
Property Address979 FALLING WATERS RD, CHIPLEY, FL 32428-4384
Document Number0000002972
Book / Page1368 / 588
Instrument DateFeb 23, 2026
Instrument20262972
Transaction TypeTransfer
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim Document
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address979 FALLING WATERS RD, CHIPLEY, FL 32428-4384

Mortgage

Document Number0000002973,
DateApr 21, 2026
Instrument20262973
Lender
NameINDEPENDENT HOME LOANS
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWASHINGTON FL
Property Address979 FALLING WATERS RD, CHIPLEY, FL 32428-4384
Document Number0067010136
Instrument DateDec 11, 2019
Transaction TypeMortgage
Record UpdatedJan 14, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address979 FALLING WATERS RD CHIPLEY FL 324284384, CHIPLEY, FL 32428-4384

Mortgage

Document Number0067010136
DateDec 26, 2019
Book Page001164/000979
Instrument67010136
Lender
NameCLEARPATH LNDG
AddressIRVINE, CA 92618
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueDec 25, 2049

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWASHINGTON FL
Recording DateMar 19, 2019
Property Address979 FALLING WATERS RD, CHIPLEY, FL 32428-4384
Document Number0067002126
Book / Page001140 / 000350
Instrument DateMar 11, 2019
Instrument67002126
Transaction TypeTransfer
Record UpdatedMay 10, 2019
Title CompanyH AND S TITLE AND ESCROW INC, H&S TITLE & ESCROW INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,190.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address979 FALLING WATERS RD CHIPLEY FL 324284384, CHIPLEY, FL 32428-4384

Mortgage

Document Number67002127
DateMar 19, 2019
Book Page001140/000352
Instrument67002127
Lender
NameSMARTBANK
TypeBank
AddressPIGEON FORGE, TN 37868-1910
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMar 18, 2049

Tax Assessment & Valuation

Source: Washington County records · Assessment roll updated December 3, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyWashington County
Unified School DistrictWashington County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,315.00 Homeowner's exemption$207,647 (+26.27%)$246,078 (+2%) Land $8,500 Building $237,578
2024$164,448 (+3%)$241,242 (+8.78%) Land $7,500 Building $233,742
2023Homeowner's exemption$159,658$221,769 Land $7,500 Building $214,269

Flood & Wildfire

979 Falling Waters Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · Washington County (12133C), updated July 4, 2011

FEMA Flood ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to HomesModerate
49th percentile of exposed land nationally · 19th in Florida
Wildfire LikelihoodModerate — about 1 in 990 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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