NOT LISTED FOR SALE

2789 Summer Dr Chipley, FL 32428

Chipley Area

Estimated Value: $689,842

3 Beds
2.5 Baths
2,324 Sq Ft
$297/Sq Ft Est. Value

Sale Details

Date Sold: May 15, 2026

Last sale price $700,000 $301 Per Sq Ft

Est. 1% decrease in value since last sale

Current estimated payment $4,089 / mo

293 Days on Market

Highlights

  • Lake Front
  • Deck
  • Vaulted Ceiling
  • RV Garage
  • Freestanding Bathtub
  • Traditional Architecture

About This Home

As of May 2026

UNDER CONTRACT. SELLER ACCEPTING BACKUP OFFERS. Luxury Lakefront Retreat on 3.6 Acres | 2789 Summer Drive, Chipley, FL
Welcome to your private lakeside escape at 2789 Summer Drive, where 3.6 tranquil acres and 200 feet of shoreline on a spring-fed lake create the perfect blend of luxury, privacy, and natural beauty. This custom-built 3-bedroom, 2.5-bath home offers refined living with top-tier finishes, smart design, and high-speed Xfinity/Comcast internet to support both relaxation and remote work.
Inside the 2,324 square foot main residence, you're welcomed by soaring vaulted ceilings with exposed cedar beams, a warm wood-burning fireplace, and exceptional craftsmanship throughout. The chef's kitchen is thoughtfully designed with quartz countertops, custom cabinetry, a double oven, pot filler, and an oversized walk-in pantry. It also includes a dedicated butler's pantry--perfect for entertaining and additional storage--making this kitchen as functional as it is beautiful.
The primary suite is a true retreat featuring a spa-inspired en suite bath with double vanities, a tiled walk-in shower, a freestanding soaking tub, a private water closet, and dual walk-in closets. Two additional bedrooms share a Jack and Jill bathroom with separate vanities and walk-in closets, offering both comfort and privacy for family or guests.
An additional 950-square-foot apartment or shop provides even more flexibility. Complete with its own full kitchen, living room, bedroom, bathroom, and laundry hookups, this space is perfect for use as a guest house, in-law suite, or income-generating rental. It includes a roll-down shop door and durable concrete flooring, making it equally suitable as a functional workshop.
Step outside to enjoy the expansive 24-by-28-foot back deck, ideal for entertaining or simply soaking in the views. A hot tub hookup is ready and waiting, and a private trail leads to your own sandy beach area--perfect for boating, fishing, tubing, and kayaking in the clear spring-fed water.
The property also includes three powered pole barns measuring 22x48, 22x60, and 16x24, offering ample storage for boats, RVs, ATVs, or equipment. There is also a camper hookup, a welding outlet, and full electrical and lighting in all covered areas. A built-in pet washing station inside the home adds even more thoughtful convenience.
Located just 30 minutes from Panama City Beach, 20 minutes from Panama City, and 20 minutes from downtown Chipley, this lakefront retreat offers both seclusion and accessibility to the Emerald Coast's top destinations.
Whether you're seeking a primary residence, vacation home, or multi-generational living solution, 2789 Summer Drive is a rare opportunity to own a one-of-a-kind lakefront property designed for elevated living. Schedule your private showing today and experience the lifestyle for yourself.

Last Agent to Sell the Property

Rachel Warrell

eXp Realty, LLC License #SL3432761 Listed on: 05/01/2025

eXp Realty, LLC

Last Buyer's Agent

Tracey Simmons

PRIMUS REALTY GROUP LLC dba RE/MAX Premier License #SL3564881

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Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,441

Year Built

  • Built in 2021

Lot Details

  • 3.62 Acre Lot
  • Lot Dimensions are 151x627x363x422
  • Lake Front
  • Property fronts a private road
  • Zoning described as County, Horses Allowed

Parking

  • 6 Car Attached Garage
  • Unpaved Parking
  • Additional Parking
  • RV Garage

Home Design

  • Traditional Architecture

Interior Spaces

  • Vaulted Ceiling
  • Fireplace
  • Living Room
  • Dining Room
  • Bonus Room
  • Lake Views

Kitchen

  • Butlers Pantry
  • Double Oven
  • Electric Oven
  • Electric Cooktop
  • Instant Hot Water

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Freestanding Bathtub
  • Soaking Tub

Home Security

  • Storm Windows
  • Storm Doors

Outdoor Features

  • Deck
  • Covered Patio or Porch

Schools

  • Vernon Elementary School
  • Vernon Middle School
  • Vernon High School

Utilities

  • Central Heating and Cooling System
  • Electric Water Heater
  • High Speed Internet

Community Details

  • No Home Owners Association
  • Chipley Subdivision

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,441

Year Built

Built in 2021

Lot Details

3.62 Acres

Parking

6

Listing Details

  • Property Type: Residential
  • Year Built: 2021
  • Property Sub Type: Single Family Residence
  • Lot Size Acres: 3.62
  • Lot Size: 151x627x363x422
  • Road Frontage Type: Private Road
  • Road Surface Type: Gravel
  • Subdivision Name: Chipley
  • Architectural Style: Traditional
  • New Construction: No
  • Property Sub Type Additional: Single Family Residence
  • Special Features: VirtualTour

Interior Features

  • Appliances: Electric Cooktop, Electric Oven, Electric Water Heater
  • Interior Amenities: Instant Hot Water
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bedrooms: 3
  • Door Features: Storm Door(s)
  • Dining Room Type: Bedroom, Dining Room, Kitchen, Living Room, Primary Bathroom, Primary Bedroom, Bonus Room
  • Window Features: Storm Window(s)

Exterior Features

  • Pool Features: Other, See Remarks
  • Fencing: Chain Link, Partial
  • View: Lake, Other
  • View: Yes
  • Waterfront Features: Lake, Lake Front, Shoreline - Sand, See Remarks
  • Waterfront: Yes
  • Exterior Features: Covered Patio, Deck, Fire Pit
  • Patio And Porch Features: Deck, Covered, Open, Porch

Garage/Parking

  • Covered Parking Spaces: 6.0
  • Garage Spaces: 6.0
  • Parking Features: Additional Parking, RV Garage, RV Carport, RV Access/Parking, Unpaved
  • Garage: Yes
  • Attached Garage: Yes

Utilities

  • Utilities: Cable Connected, Electricity Available, Natural Gas Available, High Speed Internet Available
  • Cooling: Central Air
  • Heating: Central, Electric, Fireplace(s)
  • Cooling Y N: Yes
  • Heating Yn: Yes

Condo/Co-op/Association

  • Community Features: Short Term Rental Allowed
  • Association: No

Schools

  • Middle Or Junior School: Vernon

Lot Info

  • Lot Size Sq Ft: 157687.0
  • Mobile Dim Units: Feet
  • Zoning Description: County, Horses Allowed

Tax Info

  • Tax Annual Amount: 3441.0
  • Tax Year: 2024

MLS Schools

  • Elementary School: Vernon Elementary
  • High School: Vernon

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Listed on
May 1, 2025
Closed on
May 15, 2026
Sold by
Bought by
Seller's Agent
Rachel Warrell
eXp Realty, LLC
Buyer's Agent
Tracey Simmons
PRIMUS REALTY GROUP LLC dba RE/MAX Premier
List Price
$750,000
Sold Price
$700,000
Premium/Discount to List
-$50,000
-6.67%
Views
162
Current Estimated Value
$689,842

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$10,158
Avg. Annual Appreciation
-5.09%
Original Mortgage
$560,000
Outstanding Balance
$559,490
Interest Rate
6.46%
Mortgage Type
New Conventional
Estimated Equity
$130,352

Purchase Details

Closed on
May 10, 2018
Sold by
Bought by
Source: Public Records

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Buyer Sale Price Title Company
$700,000 Us Patriot Title
$41,000 Cornerstone Title Agency Inc
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Borrower Loan Amount
Open $560,000
Previous Owner $269,100
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
05/15/2026 05/15/26 Sold $700,000 0.0% $301 / Sq Ft
02/18/2026 02/18/26 Pending -- -- --
11/04/2025 11/04/25 Price Changed $700,000 -3.4% $301 / Sq Ft
10/11/2025 10/11/25 Price Changed $725,000 -3.3% $312 / Sq Ft
05/01/2025 05/01/25 For Sale $750,000 -- $323 / Sq Ft
Source: Central Panhandle Association of REALTORS®

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $3,658 $304,946
2024 $3,441 $296,352
2023 $3,373 $287,720 $0 $0
2022 $3,285 $279,340 $41,400 $237,940
2021 $585 $41,400 $41,400 $0
2020 $589 $41,400 $41,400 $0
2019 $611 $41,400 $41,400 $0
2018 $704 $46,000 $46,000 $0
2017 $366 $23,000 $23,000 $0
2016 $373 $23,000 $0 $0
2015 $381 $23,000 $0 $0
2014 -- $23,000 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Central Panhandle Association of REALTORS®

MLS Number: 772799

Central Panhandle Association of REALTORS®

APN: 00000000-00-3110-0110

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