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**
For sale
Price cut: $5K (6/18)
$389,999
656 4th St, Chipley, FL 32428
4beds
3,494sqft
Single Family Residence
Built in 1930
0.28 Acres Lot
$373,900 Zestimate®
$112/sqft
$-- HOA
What's special
Two large guest bedroomsWell-maintained historic homeUpdated appliancesNew quartz countertopsEnsuite bathSpacious family roomPlenty of storage space
- 61 days |
- 559 |
- 24 |
Zillow last checked:
Listing updated:
Listed by:
Seamus J O'neill 850-260-5851,
SOUTHERN WAY REALTY, INC.
Source: CPAR,MLS#: 788906
Originating MLS: Central Panhandle Association of REALTORS
Loading...
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Rooms
- Room types: Bedroom, Dining Room, Family Room, Living Room, Primary Bedroom, Bonus Room
Primary bedroom
- Level: First
- Dimensions: 21.5 x 23
Bedroom
- Level: Second
- Dimensions: 11.5 x 21
Bedroom
- Level: Second
- Dimensions: 10 x 21
Bedroom
- Level: Second
- Dimensions: 14.2 x 21.3
Bonus room
- Length: 28.19
Bonus room
- Level: Second
- Dimensions: 18.6 x 27.3
Dining room
- Dimensions: 13.5 x 11.7
Family room
- Dimensions: 16.3 x 13
Living room
- Dimensions: 13.5 x 22.8
Heating
- Central, Fireplace(s)
Cooling
- Central Air, Multi Units
Appliances
- Included: Electric Cooktop, Electric Oven
Features
- Main Level Primary
- Has fireplace: Yes
Interior area
- Total structure area: 3,494
- Total interior livable area: 3,494 sqft
Property
Features
- Patio & porch: Covered, Porch
- Fencing: Fenced
Lot
- Size: 0.28 Acres
- Dimensions: 153 x 82 x 149 x 76
- Features: Paved
Details
- Parcel number: 000000000015960000
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Other
- Property subtype: Single Family Residence
Materials
- Brick
- Roof: Composition,Shingle
Condition
- New construction: No
- Year built: 1930
Utilities & green energy
- Sewer: Public Sewer
Community & HOA
Community
- Subdivision: [No Recorded Subdiv]
HOA
- Has HOA: No
Location
- Region: Chipley
Financial & listing details
- Price per square foot: $112/sqft
- Tax assessed value: $302,299
- Date on market: 4/25/2026
- Cumulative days on market: 61 days
Estimated market value
$373,900
$355,000 - $393,000
$2,763/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/18/2026 | Price change | $389,999-1.3%$112/sqft |
Source: | ||
| 6/6/2026 | Price change | $394,999-1.3%$113/sqft |
Source: | ||
| 4/25/2026 | Listed for sale | $399,999+73.9%$114/sqft |
Source: | ||
| 3/24/2023 | Sold | $230,000-8%$66/sqft |
Source: | ||
| 1/10/2023 | Pending sale | $249,999$72/sqft |
Source: | ||
| 12/18/2022 | Price change | $249,999-9.1%$72/sqft |
Source: | ||
| 12/12/2022 | Pending sale | $274,999$79/sqft |
Source: | ||
| 9/22/2022 | Price change | $274,999-8.3%$79/sqft |
Source: | ||
| 7/22/2022 | Price change | $299,999-11.8%$86/sqft |
Source: | ||
| 6/14/2022 | Price change | $339,999-2.9%$97/sqft |
Source: | ||
| 5/1/2022 | Listed for sale | $349,999$100/sqft |
Source: | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | -- | $290,440 +2.9% |
| 2024 | $4,673 -2.6% | $282,255 +24.5% |
| 2023 | $4,799 +9.6% | $226,768 +10% |
| 2022 | $4,379 +10.6% | $206,153 +10% |
| 2021 | $3,959 +134.6% | $187,412 +52% |
| 2020 | $1,688 +0.8% | $123,324 +2.3% |
| 2019 | $1,674 +0.3% | $120,551 +1.9% |
| 2018 | $1,669 +0.2% | $118,303 +2.1% |
| 2017 | $1,665 | $115,870 +2.1% |
| 2016 | $1,665 +1.1% | $113,487 +0.7% |
| 2015 | $1,647 | $112,698 +0.8% |
| 2014 | -- | $111,804 +1.5% |
| 2013 | -- | $110,152 +1.7% |
| 2012 | -- | $108,311 +3% |
| 2011 | -- | $105,156 +1.5% |
| 2010 | -- | $103,602 +2.7% |
| 2009 | -- | $100,878 +0.1% |
| 2008 | -- | $100,777 +3% |
| 2007 | -- | $97,842 +5.6% |
| 2005 | -- | $92,616 +3% |
| 2004 | -- | $89,918 +1.9% |
| 2003 | -- | $88,241 +2.4% |
| 2002 | -- | $86,173 +1.6% |
| 2001 | -- | $84,816 +3% |
| 2000 | -- | $82,346 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.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.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 32428
Nearby schools
GreatSchools rating
- NAWashington Virtual Instruction ProgramGrades: K-12Distance: 0.1 mi
- NAWashington Virtual FranchiseGrades: K-12Distance: 0.7 mi
- 4/10Kate M. Smith Elementary SchoolGrades: K-5Distance: 1.1 mi
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Florida
- Washington County
- Chipley
- 32428
- 656 4th St




