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Harrison Lilly

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

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3130 Magnolia Dr , Chipley, FL 32428
$754,900
Est. Payment: $3,828.71/mo
2 Bed
2 Bath
1870 Sqft
Status: active | Days on site: 3
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Lakefront Country Living with Exceptional Quality. Welcome to 3130 Magnolia Dr. inside Paradise Lakes Community. A remarkable 3.57-acre lakefront retreat on Dunford Lake. This property features exceptional construction, thoughtful design, abundant outdoor space, and peaceful country living come together. Designed for those who appreciate quality, privacy, comfort, and long-term value, this property is especially appealing to couples approaching retirement or those already enjoying retirement, as well as anyone looking for the freedom and space of country living without giving up convenient access to Northwest Florida's amenities. Built for Long-Term Comfort & Value The owners have spared no expense and thought of everything in creating a home designed for lasting value and comfort. The residence was constructed using high-grade ICF (Insulated Concrete Form) construction, providing exceptional strength, durability, insulation, and energy efficiency. Combined with Andersen A-Series high-efficiency windows, the home was designed to maintain a comfortable interior while reducing energy demands. The wood burning fireplace has a handy gas starter feature to make the fireplace easy to use for the few weeks a year that Northwest Florida might need a cozy fire while overlooking the lake. The ICF construction contributes to lowering electricity costs and maintenance requirements approximately 30%-50% lower than a comparable traditional stick-built home (depending on usage, weather, utility rates, and maintenance practices). The whole-home Generac generator provides additional peace of mind. Inside, you'll find custom cabinetry throughout, tongue-and-groove cypress ceilings, engineered hardwood floors, and carefully selected finishes that create a warm, refined country atmosphere. A Chef's Kitchen Made for Entertaining The kitchen is truly the heart of this home, featuring a gas ZLINE commercial-style cooktop, matching ZLINE appliances, leathered granite countertops, and a massive center island designed for both cooking and entertaining. Whether you're preparing a meal with produce from the garden or hosting family and friends, this kitchen provides the space and functionality to do it all. Lake Views from Every Bedroom Each bedroom offers a walk-out to the screened-in Florida room, creating an exceptional connection to the outdoors. Enjoy your morning coffee overlooking picturesque Dunford Lake, spend a quiet afternoon reading, or unwind in the evening while watching the sunset and wildlife across the water. The screened Florida room provides the perfect setting for peaceful mornings and memorable evenings. A Fisherman's Dream For the fishing enthusiast, this property is hard to beat. Dunford Lake produces excellent bass and other freshwater fish, putting your favorite pastime right outside your door. Fish before breakfast, spend the afternoon in the garden, and relax beside the lake in the evening without ever leaving your property. A Gardener's Paradise The massive 60' x 120' garden produces more than one family could reasonably consume and offers an incredible opportunity for anyone who enjoys gardening, growing fresh food, preserving, or sharing with family and friends. The property also features established blueberries, pears, peach trees, blackberry trellises, orange and lemon trees, and a muscadine arbor. For someone who has always dreamed of a productive country garden, this property makes that lifestyle possible. Fully Enclosed Two-Bay Shop The fully enclosed, spray-foam-insulated two-bay pole barn provides substantial room for equipment, vehicles, fishing gear, tools, hobbies, and storage. A Rare Opportunity This is a property designed for the next chapter--for those who want room to garden, fish, entertain, pursue hobbies, enjoy nature, and simply slow down. Fish in the morning. Garden in the afternoon. Relax by the lake in the evening. Come for the acreage. St

Highlights

Listed by Derek McDavid , 850-890-0531 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Residential

HOA Fee

100 Annually

Year Built

2022

County

Washington

Area

10 - Washington County

Neighborhood

Paradise Oaks

Listing ID

794152

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Down Draft, ENERGY STAR Qualified Appliances, Electric Water Heater, Propane Cooktop
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Double Vanity, Main Level Primary, Walk-In Closet(s)

Exterior Features

Lot:Sprinkler System
Lot Dimensions:500 x 450 x 220 x 450
Zoning:Resid Single Family
Roof:Shingle
Others:
  • Additional:Porch
Parking Features:RV Access/Parking,Gated
Principal Interest
$3,829
Taxes
$255
HOA
$100

Home Price

$754,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$150,980
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:
$3,828.71

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,828.71 $255.06 $100.00 $4,183.77
Yearly $45,944.52 $3,060.70 $1,200.00 $50,205.22
Total $1,378,335.73 $91,821.00 $36,000.00 $1,506,156.73

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

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