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For sale
  • $599,999

    3955 Highway 77, Chipley, FL 32428

    4beds
    3,625sqft
    : 
    $4,189/mo
    Get pre-qualified
    Single Family Residence
    Built in 1995
    19.21 Acres Lot
    $578,700 Zestimate®
    $166/sqft
    $-- HOA

    What's special

    Wooden staircaseExtra tall ceilingsLaundry roomLarge garden tubTile flooringDining areaWalk-in shower
    This is the space you have been looking for! With over 3,600 square feet heated and cooled and over 19 acres, this property is ready for you and your animals. When you step inside this 1995 4 bedroom/3 bathroom home you're immediately greeted by a massive, open concept living space that's nearly 1,200 square feet alone. With a kitchen/bar in the back corner, tile flooring, extra tall ceilings, and fireplace; this room is the perfect spot for entertaining! The first floor also features one bedroom, an office, laundry room, full bathroom, and a 2-car garage. Walk up the wooden staircase to the second floor where the main kitchen is located, with plenty of cabinets and storage. Along with a dining area and a sunroom that serves as an additional living room. The sunroom features wall to wall windows and a set of French doors that walk out onto a porch, overlooking a 1-acre chain link fenced portion of the yard. Additionally, the primary bedroom is located on the second floor and it is extremely spacious. It has a large walk-in-closet and en suite bathroom that features a double vanity, large garden tub, and walk-in shower. On the top floor are two additional bedrooms and one bathroom. Throughout, you will find an array of closets and storage space. The split levels of this home offer privacy and is the perfect layout for a multi-family living scenario or is simply perfect to give everyone their own space. The roof was replaced in 2019 and the water heater was replaced in 2019. There are 3 central air conditioning units and the ages are as follows: 2024, 2003, and 1993. The property has a paved driveway and is on a well and septic system. The drain field was replaced in 2025. Out back there is a metal shop with a slab and materials to finish the inside of it: insulation, plywood, lights, and some drywall. Electricity has not been connected to it yet. There is also a horse barn with a slab and plumbing. This barn has 3 horse stalls and a utility room. The land is fenced and cross fenced and has pasture area for your animals. At the back of the property there is a 2-acre pond that is currently dry because of the drought, but is fed by Reedy Creek that flows behind this property. Due to the pond and the wetlands that extend off of the creek, there is a bit of flood zone/conservation zoning on the land in the rear starting at the pond extending back, but the rest of the property including all pastures, barn, and house is high and dry! Even when the pond is full, there has never been any flooding under the current ownership. This property would be perfect for a homestead or compound. Plenty of room for animals, gardening, and opportunity for another dwelling. There is already an electricity pole at the back of the property and, per Washington County Planning & Zoning, you can add another dwelling under the current zoning (Agriculture/Silviculture) which allows for one house per 10 acres. Although the home is located near a highway, you would be surprised at how insulated and quiet it is inside. For an added layer of peace of mind, the seller is offering a one-year home warranty with an acceptable offer! With the construction of highway 77 set for completion in approximately 6 months according to FDOT, the drive down to the beach is quick and easy on a freshly paved 4-lane highway. Here you are only 45 minutes away from a beach day at the white sandy beaches of Panama City Beach! You are also a quick 15 minute drive to Chipley to go to Walmart and other conveniences.
    1 day
    211
    25

    Zillow last checked:

    Listing updated:

    Listed by:

    Casey Owens 850-326-3704,

    Elite Realty

    Source: CPAR,MLS#: 796208MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 3
      Rooms
      • Room types: Bedroom, Dining Room, Full Bath, Kitchen, Laundry, Living Room, Primary Bathroom, Primary Bedroom, Office, Sunroom
      Primary bedroom
      • Level: Second
      • Dimensions: 11.11 x 28.5
      Bedroom
      • Level: First
      • Dimensions: 22.8 x 11.8
      Bedroom
      • Level: Third
      • Dimensions: 12 x 9.6
      Bedroom
      • Level: Third
      • Dimensions: 11.11 x 14.8
      Primary bathroom
      • Level: Second
      • Dimensions: 10.8 x 14.7
      Other
      • Description: Walk-in-closet
      • Level: Second
      • Dimensions: 10.8 x 13.3
      Dining room
      • Level: First
      • Dimensions: 14.9 x 18.5
      Dining room
      • Level: Second
      • Dimensions: 11.8 x 15.1
      Other
      • Level: First
      • Dimensions: 11.4 x 6.4
      Other
      • Level: Third
      • Dimensions: 5.3 x 8.5
      Kitchen
      • Description: Wet Bar on 1st floor
      • Level: First
      • Dimensions: 13.1 x 18.5
      Kitchen
      • Level: Second
      • Dimensions: 11.11 x 20.1
      Laundry
      • Level: First
      • Dimensions: 11.4 x 8.4
      Living room
      • Level: First
      • Dimensions: 24.9 x 19.11
      Office
      • Level: First
      • Dimensions: 18.9 x 11
      Sunroom
      • Level: Second
      • Dimensions: 24 x 9.7
      Heating
      • Central, Electric, Fireplace(s)
      Cooling
      • Central Air, Ceiling Fan(s)
      Appliances
      • Included: Electric Oven, Electric Range, Electric Water Heater
      Features
      • Double Vanity, Separate Shower, Upper Level Primary, Walk-In Closet(s)
      • Has fireplace: Yes
      Interior area
      • Total structure area: 3,625
      • Total interior livable area: 3,625 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage
      • Garage spaces: 2
      Features
      • Patio & porch: Deck, Covered, Porch
      • Exterior features: Deck
      • Fencing: Chain Link,Fenced
      Lot
      • Size: 19.21 Acres
      • Features: Paved
      Details
      • Additional structures: Barn(s)
      • Parcel number: 000000000031560006
      • Zoning description: Agriculture, County, Horses Allowed
      • Special conditions: Listed As-Is

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Other
      • Property subtype: Single Family Residence
      Materials
      • Vinyl Siding
      • Foundation: Slab
      • Roof: Composition,Shingle
      Condition
      • New construction: No
      • Year built: 1995

      Utilities & green energy

      • Utilities for property: Electricity Available

      Community & HOA

      Community
      • Features: Short Term Rental Allowed
      • Subdivision: [No Recorded Subdiv]
      HOA
      • Has HOA: No
      Location
      • Region: Chipley

      Financial & listing details

      • Price per square foot: $166/sqft
      • Tax assessed value: $442,764
      • Annual tax amount: $2,687
      • Date on market: 10/5/2026
      • Cumulative days on market: 5 days
      • Electric utility on property: Yes

        Estimated market value

        $578,700

        $550,000 - $608,000

        $3,530/mo

        Price history

        DateEventPrice
        10/5/2026Listed for sale$599,999-7%$166/sqft
        Source: CPAR #796208 Report a problem
        8/27/2026Listing removed$645,000$178/sqft
        Source: ECAOR #996526 Report a problem
        7/24/2026Price change$645,000-3.7%$178/sqft
        Source: ECAOR #996526 Report a problem
        7/14/2026Price change$670,000-0.7%$185/sqft
        Source: ECAOR #996526 Report a problem
        4/8/2026Listed for sale$675,000$186/sqft
        Source: ECAOR #996526 Report a problem
        3/10/2026Listing removed$675,000$186/sqft
        Source: ECAOR #996526 Report a problem
        2/28/2026Listed for sale$675,000+159.6%$186/sqft
        Source: ECAOR #996526 Report a problem
        3/31/2017Sold$260,000$72/sqft
        Source: CPAR #653979 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$2,687 +6.4%$234,849 +2.9%
        2024$2,525 +5.3%$228,300 +5.5%
        2023$2,399 +2.8%$216,320 +3%
        2022$2,333 +0.7%$210,091 +3%
        2021$2,316 +5.5%$204,043 +4.9%
        2020$2,196 -1%$194,422 +2.3%
        2019$2,218 -2.3%$190,106 +1.1%
        2018$2,270 -36.3%$188,107 -15.9%
        2017$3,561 $223,667 +0.9%
        2016$3,561 +41.6%$221,656 +16.1%
        2015$2,515 $190,875 +0.1%
        2014-- $190,626
        Find assessor info on the county website

        Monthly payment

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        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: 32428

        Getting around

        0 / 100
        Car-Dependent
        9 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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