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Harrison Lilly

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

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630 Hutchison Rd , Chipley, FL 32428
$1,080,000
Est. Payment: $5,477.56/mo
5 Bed
5 Bath
4598 Sqft
Status: active | Days on site: 332
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome home, where attention to design and detail create a residence that is both elegant and inviting. This 3-bedroom, 2 ½-bath estate home rests on over 31 acres of beautifully maintained grounds featuring mature trees, multiple ponds, and lush landscaping. A private gate and long paved driveway set the tone for the peaceful retreat that awaits within your very own private oasis. Outdoors, you'll find numerous spaces to relax and entertain, including a screened lanai with TV setup, a covered pavilion overlooking the pond, and an inground pool with a custom stone slide—perfect for gatherings with family and friends. Inside the main home, an oversized living room welcomes you with soaring 14-foot cathedral ceilings accented by custom wood beams, built-in cabinetry, and a cozy gas fireplace. Additional highlights include a Florida room with panoramic views of the pool and pond, a formal dining room, office nook, and a spacious eat-in kitchen with island seating. The primary suite is a true retreat with custom cabinetry, dual sinks, granite countertops, a walk-in shower with rain head and stone floors, a jetted tub overlooking the pool, a massive walk-in closet with built-ins, and direct access to the pool and patio area. Adding to the estate's appeal is a newly constructed luxury carriage house, designed with comfort and style in mind. Offering 1,668 sq. ft. of heated and cooled living space with 2 bedrooms (including a master and a bunk room), 1 1/2 bath, a gorgeous custom kitchen with island, durable vinyl plank flooring and an attached 4 car garage. Perfect as a private guest retreat or multi-generational living space, this carriage house provides both independence and sophistication for visitors. For those seeking even more options, the property also includes a 60x36 black metal barn with the framework ready to be transformed into additional living quarters or a dream workshop. With endless opportunities for equestrian pursuits, cattle, or simply enjoying the outdoors, this estate offers both luxury and versatility just west of Chipley off Hwy 90.

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
31.3

Year Built

1989

County

Washington

Area

10 - Washington County

Neighborhood

No Named Subdivision

Listing ID

778703

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:5
  • Full Bathrooms:3
  • 1/2 Bathrooms:2
Appliances:Electric Cooktop, Gas Range
Air Cond:Central Air,Ceiling Fan(s),Multi Units
Fireplaces:
Other:
  • Additional:Double Vanity, Interior Steps, Soaking Tub, Separate Shower, Walk-In Closet(s)

Exterior Features

Lot Dimensions:Irregular
Roof:Composition,Shingle
Others:
  • Additional:Covered Patio, Deck
Principal Interest
$5,478
Taxes
$421

Home Price

$1,080,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$216,000
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:
$5,477.56

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,477.56 $421.25 $0.00 $5,898.81
Yearly $65,730.67 $5,055.00 $0.00 $70,785.67
Total $1,971,920.24 $151,650.00 $0.00 $2,123,570.24

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