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Harrison Lilly

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

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4597 Spotted Horse Ln , Chipley, FL 32428
$234,900
Est. Payment: $1,191.37/mo
2 Bed
2 Bath
840 Sqft
Status: active | Days on site: 29
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

**Motivated seller! Bring Offers** **Price Improvement + $5K toward Buyer closing costs and prepaids** Looking for country living with all the hard work already done? This beautiful 3.94-acre property is move-in ready and packed with upgrades! The property features a like-new 2024 Southern Energy 14x60 manufactured home offering 2 bedrooms and 2 bathrooms. In addition, you'll find a new well, new underground power, and a septic system sized for a future 3-bedroom, 3-bath home--giving you room to expand. A 75-foot milled asphalt driveway leads you through a large farm gate to the property, providing both convenience and privacy. The standout feature is the newly completed 20-foot insulated container workshop, complete with air conditioning, a man door, finished wood interior, 100-amp electrical panel, overhead lighting, exterior light and outlet, built-in workbenches, and six conveniently placed electrical outlets. A well pump house adds even more functionality. All furniture and machines/tools convey with an acceptable offer. Whether you're looking for a peaceful homestead, weekend retreat, or property with room to grow, this one checks all the boxes.

Highlights

Listed by Stan Fowler , 229-848-8052 Think Real Estate , 850-270-4200. Bay County Association of REALTORS

Property Type

Manufactured Home

Lot/Acreage
3.94

Year Built

2024

County

Washington

Area

10 - Washington County

Neighborhood

Saddle Club Estates

Listing ID

792747

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Cooktop, Electric Oven, Electric Water Heater
Air Cond:Heat Pump
Fireplaces:
Other:
  • Additional:Main Level Primary, Smart Thermostat, Tub Shower

Exterior Features

Lot Dimensions:350 x 490
Zoning:Resid Single Family
Roof:Asphalt
Parking Features:Gravel
Principal Interest
$1,191
Taxes
$31

Home Price

$234,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$46,980
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:
$1,191.37

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,191.37 $31.33 $0.00 $1,222.70
Yearly $14,296.42 $375.96 $0.00 $14,672.38
Total $428,892.65 $11,278.80 $0.00 $440,171.45

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