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Harrison Lilly Team

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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1294 Dragonfly Ln , Chipley, FL 32428
$449,900
Est. Payment: $2,485.63/mo
6 Bed
4 Bath
3024 Sqft
3 Acres
Status: Active | Days on site: 310
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Harrison Lilly Team
Owner/Operator

House Description

Spacious 6-Bedroom Home with Private 2-Bedroom Mother-in-Law Suite on 3 Acres Mother-in-law suite special! This beautifully updated 6-bedroom, 4-bathroom home offers exceptional space, flexibility, and privacy, including a connected 2-bedroom mother-in-law suite with approximately 1,200 square feet of living space. The private suite is separated from the main home by a door and features a large living room, 2-bedrooms, and modern bathroom with granite countertops and a tile walk-in shower. A separate door from the covered back porch provides additional convenient access to the suite. With two distinct living areas, this property is ideal for multigenerational living, two families, extended guests, or anyone needing a private home office or guest space. The main 2-story home has undergone a major makeover, with numerous updates throughout, including: • New windows with faux wide plantation blinds • New concrete Hardie board siding • New LVP flooring in many areas • All 4 bathrooms updated. • New water heater • New Square D electrical panel and breakers • New light fixtures and ceiling fans • Remodeled stairs • Fresh interior paint • Updated kitchen with all-new appliances • Stainless-steel deep sink and faucet • New subway tile backsplash • New butcher-block countertops • Soft-close cabinet doors and new cabinet hardware • Large pantry with shelving • Durable metal roof • A/C unit updated this year • Well submersible pump replaced in 2024 The spacious primary bathroom suite features a large step-in tub, separate shower, and oversized walk-in closet. Outdoor living is another highlight. A covered 6-foot-deep by 60-foot-long front porch stretches across the entire front of the home. The covered back porch offers as much space, with areas measuring approximately 8' x 22' and 10' x 30', including a door leading directly to the mother-in-law's suite. The flat backyard includes a 20' x 20' concrete pad with a new electrical plug, ready for storage buildings, workshops, or other outdoor use. The property sits on approximately two acres and includes the adjacent vacant 1-acre lot, providing approximately three acres total. Location is convenient for everyday necessities and recreation. The property is less than a mile from Interstate 10, Super Walmart, and Falling Waters State Park, with easy access to schools, shopping, restaurants, and a variety of businesses. The beautiful beaches of Panama City Beach and Pier Park are less than an hour away. Large, updated, versatile, and full of possibilities--this is a rare opportunity for two-family or multigenerational living with plenty of land and space to spread out.

Highlights

Listed by Harvey B Webb , 850-703-3028 Counts Real Estate Group , 850-248-3615. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
3

Year Built

1990

County

Washington

Area

10 - Washington County

Neighborhood

[No Recorded Subdiv]

Listing ID

781451

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:6
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:4
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater, Water Softener Owned
Air Cond:Central Air,Ceiling Fan(s),Heat Pump
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Interior Steps, Soaking Tub, Separate Shower, Walk-In Closet(s), Pantry

Exterior Features

Lot:Paved
Lot Dimensions:208x662x645x263
Zoning:Resid Single Family
Roof:Metal
Others:
  • ▪ Additional:Rain Gutters
Principal Interest
$2,486
Taxes
$84

Home Price

$449,900

Loan Details

30 yrs
7.374%

Down Payment

20%
$89,980
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Monthly Price:
$2,485.63

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,485.63 $83.67 $0.00 $2,569.30
Yearly $29,827.59 $1,004.00 $0.00 $30,831.59
Total $894,827.77 $30,120.00 $0.00 $924,947.77

Today's Rates

30 Year

7.37%

20 Year

7.27%

15 Year

6.8%

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Market insight data is pulled from the same city as the listing being viewed (Chipley, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-07T12:26:16.000Z

© 2026 Bay County Association of REALTORS