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Harrison Lilly

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

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2527 Frost Ln , Chipley, FL 32428
$429,900
Est. Payment: $2,180.37/mo
2 Bed
2 Bath
2634 Sqft
Status: active | Days on site: 53
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to 2527 Frost Lane in Chipley, a spacious 2-bedroom, 2-bathroom home offering 2,634 square feet of living space on 20.50 beautiful acres just off Pioneer Road, providing quick and convenient access to Highway 77. The home features a durable brick and vinyl exterior with a metal roof, along with a flexible floor plan that offers the potential to be reconfigured into a 3-bedroom, 2-bathroom layout. One of the bedrooms includes an attached space that could easily serve as an office, sitting room, nursery, or additional bedroom, depending on your needs. The property offers an abundance of covered parking, including an attached garage with space for at least three vehicles, as well as an attached carport with room for multiple additional vehicles, equipment, or recreational toys. Outdoors, you'll find eight pecan trees and plenty of room to enjoy the peaceful setting. The land includes two wells, one of which is not currently working, and three septic systems, offering the possibility for a second homesite with county approval. With a 5-year-old HVAC system, generous acreage, versatile living space, and exceptional parking and property features, this unique Chipley property is full of potential.

Highlights

Listed by Cindy R Birge , 850-258-9442 Elite Realty , 850-638-0370. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
20.5

Year Built

1978

County

Washington

Area

10 - Washington County

Neighborhood

[No Recorded Subdiv]

Listing ID

790591

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot:Paved
Lot Dimensions:irregular
Zoning:Resid Single Family
Roof:Metal
Principal Interest
$2,180
Taxes
$73

Home Price

$429,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$85,980
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:
$2,180.37

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,180.37 $72.75 $0.00 $2,253.12
Yearly $26,164.46 $873.00 $0.00 $27,037.46
Total $784,933.81 $26,190.00 $0.00 $811,123.81

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