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Harrison Lilly

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

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652 2nd St , Chipley, FL 32428
$284,999
Est. Payment: $1,445.46/mo
3 Bed
2 Bath
2140 Sqft
Status: active | Days on site: 2
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Discover the perfect combination of space, comfort, and versatility in this well designed 3 bedroom, 2 bath brick home situated on a generous 0.86+/- acre lot within the city limits. Offering over 2,100 square feet of living space, this home provides a functional layout with room for everyone both inside and out! The welcoming living room flows seamlessly into the dining area and spacious kitchen, creating an ideal setting for everyday living and entertaining. The kitchen features abundant cabinetry, generous counter space, stainless steel appliances and plenty of room to gather. Just off the kitchen, a versatile bonus room offers endless flexibility as a home office, playroom, fitness space, or additional den. All three bedrooms are conveniently located together down the hallway, including the spacious primary suite featuring a walk-in closet and private bath with a large walk-in shower. The two guest bedrooms are generously sized and share a well-appointed full bathroom. At the rear of the home, a heated and cooled Florida room provides additional year-round living space, making it the perfect spot to enjoy your morning coffee, entertain guests, or simply relax while overlooking the backyard. The outdoor space continues with a gazebo, fire pit area, and detached workshop, offering endless opportunities for entertaining, hobbies, storage, or weekend projects. The large backyard provides plenty of room for children, pets, gardening, or simply enjoying the open space. This property offers the convenience of town with the rare benefit of nearly an acre of land. With a functional layout, flexible bonus room, abundant outdoor living spaces, and a spacious yard, this home is ready to accommodate a variety of lifestyles.

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
0.86

Year Built

1961

County

Washington

Area

10 - Washington County

Neighborhood

[No Recorded Subdiv]

Listing ID

793424

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Range
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Other:
  • Additional:Shower Only, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:168x235x167x213
Roof:Metal
Others:
  • Additional:Fire Pit
Sewer:Public Sewer
Principal Interest
$1,445
Taxes
$300

Home Price

$284,999

Loan Details

30 yrs
6.529%

Down Payment

20%
$57,000
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:
$1,445.46

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,445.46 $299.53 $0.00 $1,744.99
Yearly $17,345.53 $3,594.37 $0.00 $20,939.90
Total $520,366.02 $107,831.10 $0.00 $628,197.12

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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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: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS