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656 4th Street, Chipley, FL 32428

[No Recorded Subdiv] · Washington County

Key Facts

4Beds
4Baths
3,494Sq Ft
1930Year Built
0.28Lot (acres)

Description

Step into timeless character with thoughtful modern updates in this well-maintained historic home, now ready for its next chapter. Offering over 3,400 sq ft, this 4-bedroom, 3.5 bath residence blends classic charm with recent improvements throughout. Inside, you'll find a formal dining room and a spacious family room with a wood-burning fireplace that flows seamlessly into the breakfast nook and updated kitchen that boast new quartz countertops, updated appliances, and a Wi-Fi capable oven, making it both stylish and functional. Just off the kitchen, a newly added butler's pantry provides additional prep space and storage--perfect for entertaining. Fresh paint and tasteful wallpaper add character and warmth throughout the home.The main level features a generously sized primary suite complete with an ensuite bath and walk-in closet. Upstairs offers two large guest bedrooms, full bath, and plenty of storage space. Additional upgrades include three new A/C units, new hot water heaters, and blown-in insulation for improved efficiency and comfort. An attached apartment with private exterior access is a blank canvas ready for your vision, with plumbing and electrical already in place to easily add a kitchen, along with space for a living area, bedroom, and full bath. Above, a 28x19 bonus room offers even more flexibility for use. The home is located in the heart of Chipley and within walking distance of restaurants, banks, and shops. **Motivated Sellers**

Property Information

Property Type

Residential

Sub-Type

Single Family Residence

Style

Other

Year Built

1930

Living Area

3,494 sq ft

Lot Size

0.28 acres

Lot Dimensions

153x82x149x76

Days on Market

72

MLS® Listing#

788906

Property Features

Appliances

Electric CooktopElectric Oven

Cooling

Central AirMulti Units

Heating

CentralFireplace(s)

Patio

CoveredPorch

Fencing

Fenced

Lot Features

Paved

Construction

Brick

Roof

CompositionShingle

Sewer

Public Sewer

Rooms

  • 21.5 x 23First
  • Bedroom10 x 21Second
  • Bedroom11.5 x 21Second
  • Bedroom14.2 x 21.3Second
  • Bonus Room28.19
  • Bonus Room18.6 x 27.3Second
  • Dining Room13.5 x 11.7
  • Family Room16.3 x 13
  • Living Room13.5 x 22.8

Financial Details

HOA

None

Parcel Number

00000000-00-1596-0000

Directions

From the intersection of Hwy 90 and Hwy 77 head north on Hwy 77, take a left onto Church Ave and then a right onto 4th St. Home is on the left. Sign up.

Affordability Calculator

$70,000

Estimated monthly payment

$1,863/mo

Principal $279,999 · Est. interest $390,624 over 30 yrs

Neighborhood Market Statistics

How this home compares to active listings in Chipley, FL

$307,143
Median Listing Price
88
Median Days on Market
1,684
Median Sq Ft
$169
Median Price / Sq Ft
138
Active Listings
  • This home’s price is 14% above the area median.
  • Its price per sq ft is 41% below the area median.

Market statistics compiled from active EXIT Realty® and MLS listings in Chipley, FL.

Location

Map showing the location of 656 4th Street, Chipley, FL 32428

Points of Interest in Chipley, FL

Showing the Chipley area map.

Nearby Schools

  • Washington County School District

    Secondary · 0.1 mi away

  • Grace & Glory Christian School

    School · 0.5 mi away

  • Panhandle Area Educational Consortium

    School · 0.7 mi away

  • Washington Virtual Franchise

    School · 0.7 mi away

  • Public Schools Washington Holmes Technical Center

    School · 0.9 mi away

  • Kate M. Smith Elementary School

    Elementary · 1.2 mi away

  • Washington County Christian School

    School · 1.3 mi away

  • Roulhac Middle School

    Secondary · 1.5 mi away

  • Chipley High School

    Secondary · 1.6 mi away

  • Hillcrest Special Education School

    School · 7.8 mi away

  • Bonifay Middle School

    School · 8.5 mi away

  • Holmes County High School

    Secondary · 9.1 mi away

  • Bonifay K-8 School

    Elementary · 9.4 mi away

  • Cottondale High School

    Secondary · 10.0 mi away

  • Along the Way Cottondale

    School · 10.1 mi away

  • Cottondale Elementary School

    Elementary · 10.5 mi away

  • Poplar Springs High School

    Secondary · 12.0 mi away

  • Dove Vocational Academy

    School · 12.0 mi away

  • Graceville Elementary School

    Elementary · 12.2 mi away

  • Graceville High School

    Secondary · 13.3 mi away

Commute Calculator

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Moving Cost Estimate

EXIT Agents in Chipley

Listing Courtesy: SOUTHERN WAY REALTY, INC. - 8506385222

The data relating to real estate for sale on this website comes in part from the Internet Data exchange program of Central Panhandle Association of REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright ©2026 Central Panhandle Association of REALTORS®. All Rights Reserved.

The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of one or more Multiple Listing Services (MLS). Listing information is deemed reliable but is not guaranteed accurate. Copyright © EXIT Realty® and respective MLS providers.

Data provided by CentralPanhandleAssociationOfRealtors. MLS® Listing#788906. © 2026EXIT Realty®. All rights reserved.