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Harrison Lilly Team

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

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620 4th St , Chipley, FL 32428
$475,000
Est. Payment: $2,624.31/mo
4 Bed
3 Bath
3756 Sqft
1.15 Acres
Status: Active | Days on site: 22
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C153 - B7529
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Harrison Lilly Team
Owner/Operator

House Description

Space, versatility, and an incredible outdoor setup come together in this impressive home! Offering approximately 3,700+ square feet of living space, this home provides an abundance of room with a layout that easily adapts to everyday living, entertaining, working from home, and more. Tucked away at the quiet end of a dead-end street, the home enjoys a peaceful setting away from through traffic.Inside, multiple living areas give everyone room to spread out without sacrificing the spaces that bring people together. The inviting family room is filled with character, featuring a stone fireplace and wood beams that create a warm focal point for the space. Just steps away, the kitchen offers abundant white cabinetry, generous counter space and stainless steel appliances, with the dining area conveniently located nearby. An oversized separate living room adds even more flexibility and is perfect for creating an additional gathering, entertaining, or relaxation space. Need a dedicated space beyond the traditional bedrooms? The approximately 15' x 15' office with built-ins is a standout feature. Its size makes it equally well suited for a home office, homeschool room, playroom, craft room, library, or study area, allowing the home to easily evolve with your needs. The primary suite provides a comfortable place to unwind with a oversized walk-in closet and private bath featuring a double vanity, separate shower, and jetted soaking tub. An additional bedroom includes its own private ensuite bath, offering a wonderful setup for guests, extended family, or anyone who appreciates added privacy. The outdoor living space may quickly become a favorite part of the home. A large covered patio opens to the screened pool enclosure, creating a seamless transition from indoor to outdoor entertaining. The in-ground swimming pool is surrounded by an expansive deck with plenty of room for lounge seating, dining, and gathering with friends and family, while a conveniently located pool bath makes days spent outside even easier. Additional features include an attached two-car garage, circular driveway, dedicated laundry room, generous storage, and mature landscaping. This home offers a combination of space, functionality, and versatility that is difficult to find in Chipley. If room to live, gather, entertain, and make a home truly your own is what you've been searching for, this one is ready to impress.

Highlights

Listed by Seamus J O'neill , 850-260-5851 SOUTHERN WAY REALTY, INC. , 850-638-5222. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
1.15

Year Built

1980

County

Washington

Area

10 - Washington County

Neighborhood

[No Recorded Subdiv]

Listing ID

794569

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Electric Oven, Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • ▪ Additional:Double Vanity, Jetted Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot Dimensions:264x199x264x179
Roof:Metal
Others:
  • ▪ Additional:Outdoor Shower
Sewer:Public Sewer
Principal Interest
$2,624
Taxes
$326

Home Price

$475,000

Loan Details

30 yrs
7.374%

Down Payment

20%
$95,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,624.31

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,624.31 $325.74 $0.00 $2,950.04
Yearly $31,491.68 $3,908.86 $0.00 $35,400.54
Total $944,750.37 $117,265.80 $0.00 $1,062,016.17

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: 2026-10-07T02:14:18.000Z

© 2026 Bay County Association of REALTORS