656 4th St, Chipley, FL 32428

BUYER INCENTIVE! Seller is offering up to $10,000 toward buyer's closing costs, interest rate buy-down, and/or prepaid expenses with an acceptable offer. Welcome to The Fourth Street House, a beautiful historic home in the heart of downtown Chipley where timeless character, generous living spaces, and thoughtful modern improvements come together in a home unlike anything being built today. Offering more than 3,400 square feet with 4 bedrooms and 3.5 baths, this home has the charm and personality historic-home buyers love--while many of the costly updates today's buyers worry about have already been completed. Recent improvements include three new HVAC units, new hot water heaters, blown-in insulation, new main-level LVP flooring, quartz countertops, updated appliances, and a newer roof approximately four years old. The main level was made for both everyday living and entertaining. A formal dining room provides a beautiful setting for gatherings, while the spacious family room features a wood-burning fireplace and flows into the breakfast nook and updated kitchen. Quartz countertops, updated appliances, a Wi-Fi-capable oven, and a newly added butler's pantry provide abundant prep space and storage. Fresh paint and carefully selected wallpaper complement the home's historic character throughout. Also on the main floor is a generously sized primary suite with an ensuite bath and walk-in closet, offering the convenience of main-level living. Upstairs, you'll find two spacious guest bedrooms, a full bath, and abundant storage. One of the property's most unique features is the attached secondary living space with its own private exterior entrance. Plumbing and electrical are already in place for a future kitchen, with additional space designed to accommodate a living area, bedroom, and full bath. Finish it to suit your needs as a private guest suite, multigenerational living space, home office, studio, or additional living quarters. Above it, an impressive 28' x 19' bonus room creates even more possibilities. And then there's the location. Situated in the heart of downtown Chipley, The Fourth Street House puts restaurants, shops, banks, and everyday conveniences within walking distance while offering the space and character of a substantial historic residence. This is more than square footage and bedrooms. It's a home with a history, significant improvements already completed, room to make it your own, and possibilities that are increasingly difficult to find. The history is already here. The major updates have been made. The Fourth Street House is ready for its next chapter. **Motivated Sellers**