Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

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

Agent profile image in message

872 1st St , Chipley, FL 32428
$269,999
Est. Payment: $1,369.38/mo
4 Bed
2 Bath
1768 Sqft
Status: active | Days on site: 111
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

Welcome to this charming home situated on four city lots, where classic Southern style blends seamlessly with thoughtful updates throughout this 4-bedroom, 2-bath property. From the moment you arrive, you'll appreciate the inviting curb appeal and the comfortable feel this home offers. Inside, the living room provides a spacious setting for everyday living and entertaining, featuring vinyl plank flooring and a warm, welcoming atmosphere. The kitchen is both functional and stylish, complete with an island, breakfast bar, butcher block countertops, stainless steel appliances, and a pantry for added storage. A versatile bonus room--currently used as the primary bedroom--offers added flexibility, along with an attached bath and direct access to the carport, creating a private and convenient space. Three additional bedrooms and a full bath are located on the opposite side of the home, providing a practical layout for family or guests. The home also benefits from several key improvements completed by the current owner, including spray foam insulation beneath the home, replacement of drain lines extending to the road, updated hot water lines, and improved driveway drainage with the addition of a French drain. Flooring has also been updated, contributing to the home's overall comfort and functionality. Outside, you'll find a covered porch perfect for relaxing, along with a 3-bay pole barn that offers plenty of room for equipment, storage, or recreational vehicles. Conveniently located just minutes from shopping, dining, and Northwest Florida Community Hospital, this property combines space, comfort, and everyday convenience.

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
0.67

Year Built

1960

County

Washington

Area

10 - Washington County

Neighborhood

No Named Subdivision

Listing ID

787844

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Gas Range, Gas Water Heater, Tankless Water Heater
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Shower Only, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:97x293x98x293
Roof:Asphalt
Sewer:Public Sewer
Principal Interest
$1,369
Taxes
$258

Home Price

$269,999

Loan Details

30 yrs
6.529%

Down Payment

20%
$54,000
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:
$1,369.38

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,369.38 $257.75 $0.00 $1,627.13
Yearly $16,432.61 $3,093.00 $0.00 $19,525.61
Total $492,978.23 $92,790.00 $0.00 $585,768.23

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
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