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For sale
  • Price cut: $5K (6/18)
    $389,999

    656 4th St, Chipley, FL 32428

    4beds
    3,494sqft
    : 
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    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
    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**
    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#: 788906MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

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      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

        DateEventPrice
        6/18/2026Price change$389,999-1.3%$112/sqft
        Source: CPAR #788906 Report a problem
        6/6/2026Price change$394,999-1.3%$113/sqft
        Source: CPAR #788906 Report a problem
        4/25/2026Listed for sale$399,999+73.9%$114/sqft
        Source: CPAR #788906 Report a problem
        3/24/2023Sold$230,000-8%$66/sqft
        Source: CPAR #725960 Report a problem
        1/10/2023Pending sale$249,999$72/sqft
        Source: CPAR #725960 Report a problem
        12/18/2022Price change$249,999-9.1%$72/sqft
        Source: CPAR #725960 Report a problem
        12/12/2022Pending sale$274,999$79/sqft
        Source: CPAR #725960 Report a problem
        9/22/2022Price change$274,999-8.3%$79/sqft
        Source: CPAR #725960 Report a problem
        7/22/2022Price change$299,999-11.8%$86/sqft
        Source: CPAR #725960 Report a problem
        6/14/2022Price change$339,999-2.9%$97/sqft
        Source: CPAR #725960 Report a problem
        5/1/2022Listed for sale$349,999$100/sqft
        Source: CPAR #725960 Report a problem

        Public tax history

        YearProperty taxesTax 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

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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.
          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.
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          Climate risks

          Neighborhood: 32428

          Getting around

          59 / 100
          Somewhat Walkable
          47 / 100
          Somewhat Bikeable

          Nearby schools

          GreatSchools rating

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