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Harrison Lilly

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

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1201 Duncan Community Rd , Chipley, FL 32428
$449,999
Est. Payment: $2,282.31/mo
3 Bed
2 Bath
1540 Sqft
Status: pending | Days on site: 4
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Where Modern Comfort Meets Exceptional Outdoor Living! This beautifully designed 3-bedroom, 2-bath home combines high-end finishes, thoughtful craftsmanship, and outstanding outdoor amenities, creating the perfect place to enjoy both everyday living and entertaining. Step inside to a bright and inviting living room with vaulted ceilings that flows seamlessly into the heart of the home. The impressive kitchen is designed for both function and style, showcasing an oversized granite island with bar seating, stainless steel appliances, abundant cabinetry, decorative lighting, and generous prep space. Just beyond the charming farmhouse door, you'll find a spacious walk-in pantry complete with custom built-ins and warm wood countertops, providing exceptional storage and organization. Nearby, the custom mudroom features built-in cabinetry, bench seating, and additional storage to keep daily life running smoothly. The spacious primary suite offers a relaxing retreat with a beautifully appointed en-suite bath featuring a double vanity, tiled shower, and an oversized walk-in closet with custom shelving. As an added bonus, the closet includes pull-down stairs leading to additional hidden storage space, providing even more room for seasonal items and extra belongings. Two additional bedrooms and a well-appointed guest bath provide comfortable accommodations for family and guests. Step outside and discover your own private backyard oasis. The resort-style outdoor living area features a sparkling in-ground pool surrounded by attractive landscaping and low-maintenance turf, while the expansive covered back porch with beautiful wood ceilings, multiple ceiling fans, and generous seating space is perfect for relaxing or entertaining year-round. Adjacent to the pool is a detached pavilion complete with a convenient half bath, making pool days and outdoor gatherings even more enjoyable. A hot tub offers the perfect place to unwind after a long day. The property also includes an impressive 30x60 detached garage, offering exceptional space for vehicles, recreational equipment, hobbies, or a workshop. An attached covered lean-to provides additional covered storage for an RV, boat, trailers, or other equipment. Offering quality craftsmanship, thoughtful design, incredible storage, and outstanding indoor and outdoor living spaces, this move-in-ready home truly has something for everyone.

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
4.6

Year Built

2024

County

Washington

Area

10 - Washington County

Neighborhood

No Named Subdivision

Listing ID

792229

Questions about this listing?

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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:Double Vanity, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:280x332x280x332
Roof:Shingle
Parking Features:RV Carport
Principal Interest
$2,282
Taxes
$233

Home Price

$449,999

Loan Details

30 yrs
6.529%

Down Payment

20%
$90,000
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:
$2,282.31

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,282.31 $232.99 $0.00 $2,515.30
Yearly $27,387.72 $2,795.88 $0.00 $30,183.60
Total $821,631.61 $83,876.40 $0.00 $905,508.01

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