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Harrison Lilly

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

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3955 Hwy. 77 , Chipley, FL 32428
$645,000
Est. Payment: $3,271.32/mo
4 Bed
3 Bath
3564 Sqft
Status: active | Days on site: 119
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Some homes are simply lived in. Others become the place where everyone gathers. Nestled on nearly 20 beautiful acres, this one-of-a-kind property offers the perfect blend of privacy, space, and versatility. With over 3,500 square feet, 4 bedrooms, 3 bathrooms, and an extraordinary gathering room complete with its own kitchenette, it's ideal for holidays, family celebrations, game nights, multi-generational living, or entertaining on a grand scale. Upstairs you'll find a spacious kitchen with abundant cabinetry, a relaxing Florida room overlooking the property, and a generous primary suite with a large walk-in closet and ensuite bath. Outside, the possibilities continue with fenced and cross-fenced pasture, an impressive 4-stall horse barn with water, an enclosed workshop wired for electricity, mature trees, and plenty of room for horses, hobbies, gardening, or simply enjoying peaceful country living. Toward the back of the property is a former pond that washed out during Hurricane Michael and may offer restoration potential. Whether you're looking for a horse property, hobby farm, family retreat, or a place where memories are made for generations, this exceptional property is ready for your vision. MAJOR Price Improvement! This property will sell, now is the time to schedule your showing!

Highlights

Listed by Cheryl D Purvines , 850-699-6384 and Mark O Purvines , 850-612-4826 Coldwell Banker Realty , 850-682-4300. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
19.2

Year Built

1995

County

Washington

Area

30 - Other Counties

Neighborhood

Metes & Bounds

Listing ID

996526

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Microwave, Oven Double, Range Hood, Refrigerator, Stove/Oven Electric, Water Heater - Elect
Air Cond:Ceiling Fans
Fireplaces:Fireplace
Floor:Floor Tile,Floor WW Carpet
Other:
  • Additional:Ceiling Cathedral, Ceiling Vaulted, Fireplace, Pantry, Split Bedroom, Washer/Dryer Hookup
Water:Well

Exterior Features

Lot:Aerials/Topo Availbl,Wooded
Lot Dimensions:~380'x1673'
Zoning:Agriculture, County, Horses Allowed, Resid Single Family, See Remarks
Others:
  • Additional:Fenced Back Yard, Fenced Cross, Separate Living Area, Patio Covered, Porch, Fenced Chain Link, Fenced Lot-Part, Cross Fenced
Sewer:Septic Tank
Parking Features:Oversized
Principal Interest
$3,271
Taxes
$220

Home Price

$645,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$129,000
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:
$3,271.32

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,271.32 $219.50 $0.00 $3,490.82
Yearly $39,255.82 $2,634.00 $0.00 $41,889.82
Total $1,177,674.59 $79,020.00 $0.00 $1,256,694.59

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 Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:16:22.000Z

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