Tammy Elmore Snow
Responds Quickly
RC Real Estate Group
(239) 970-9968
30 Total Sales
1 in Chipley
$650,000 Price
540 4th St Chipley, FL 32428
Chipley AreaEstimated Value: $133,730
3
Beds
1
Bath
1,004
Sq Ft
$133/Sq Ft
Est. Value
Highlights
- Traditional Architecture
- Living Room
- Dining Room
- No HOA
- Central Air
- Ceiling Fan
About This Home
As of February 2026Under Contract seller accepting back up offers.//////
Exceptional find in downtown Chipley on a Generous Lot!
Don't let this opportunity slip away! This delightful 3 bedroom home rests on a spacious 0.36 acre lot, offering tons of potential along with valuable updates!
With 1,004 square feet of living space, the home provides 3 comfortable bedrooms, ideal for family, guests, or a home office. The oversized lot right in the heart of beautiful downtown Chipley provides privacy with the convenience of small town living. Recent improvements give you peace of mind: a NEW ROOF installed in 2025, a NEW WATER HEATER in early 2024, and a NEW A/C SYSTEM in 2019 to keep the home cool and efficient year round.
Additional highlights include a covered carport to shield your vehicle from the weather and outdoor storage for tools, equipment, or seasonal items. With its blend of updates and expansive yard, this home offers both comfort and opportunity. Whether you're a first time buyer, an investor looking for an exceptional rental property, or simply looking for a place with room to grow, this property is a must see. Don't wait schedule your showing today.
Last Buyer's Agent
Non Member
NON-MEMBER OFFICE
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Home Details
Home Type
- Single Family
Est. Annual Taxes
- $1,477
Year Built
- Built in 1972
Lot Details
- 15,682 Sq Ft Lot
Home Design
- Traditional Architecture
- Vinyl Siding
Interior Spaces
- Ceiling Fan
- Living Room
- Dining Room
Kitchen
- Electric Oven
- Electric Cooktop
Bedrooms and Bathrooms
- 3 Bedrooms
- 1 Full Bathroom
Schools
- Kate M. Smith Elementary School
- Roulhac Middle School
- Chipley High School
Utilities
- Central Air
- Heating Available
Community Details
- No Home Owners Association
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
Sep 16, 2025
Closed on
Feb 25, 2026
Sold by
Bought by
Seller's Agent
Tonia Hathaway
CENTURY 21 Commander Realty
Buyer's Agent
Non Member
NON-MEMBER OFFICE
List Price
$145,000
Sold Price
$136,000
Premium/Discount to List
-$9,000
-6.21%
Views
86
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$2,270
Avg. Annual Appreciation
-3.84%
Original Mortgage
$133,536
Outstanding Balance
$133,006
Interest Rate
6.06%
Mortgage Type
FHA
Estimated Equity
$724
Purchase Details
Listed on
Sep 16, 2025
Closed on
Jan 27, 2026
Sold by
Bought by
Seller's Agent
Tonia Hathaway
CENTURY 21 Commander Realty
Buyer's Agent
Non Member
NON-MEMBER OFFICE
List Price
$145,000
Sold Price
$136,000
Premium/Discount to List
-$9,000
-6.21%
Views
86
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$133,536
Outstanding Balance
$133,006
Interest Rate
6.06%
Mortgage Type
FHA
Estimated Equity
$724
Purchase Details
Closed on
Oct 3, 2008
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$65,984
Interest Rate
6.36%
Mortgage Type
FHA
Purchase Details
Closed on
Jan 31, 2007
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$50,255
Interest Rate
6.3%
Mortgage Type
Purchase Money Mortgage
Home Values in the Area
Average Home Value in this Area
Agents Specializing in Chipley, FL
-
Tammy Elmore Snow
-
MaryAnn Enfinger
MaryAnn Enfinger
Overstreet Realty
(850) 771-2185
194 Total Sales
5 in Chipley
$46K - $247K Price Range
-
Deborah Morton
Deborah Morton
Responds QuicklyBay Living, Inc.
(786) 901-7183
314 Total Sales
5 in Chipley
$165K - $275K Price Range
-
Paul LaCourse
Paul LaCourse
Responds QuicklyAnchor Realty Florida
(850) 549-9719
57 Total Sales
2 in Chipley
$91K - $110K Price Range
-
Kyle Hoppenworth
Kyle Hoppenworth
WATSON REALTY CORP- TIOGA
(352) 656-7858
109 Total Sales
1 in Chipley
$295,000 Price
-
Kent Whitson
Kent Whitson
AG One Land Company LLC
(850) 600-3005
64 Total Sales
3 in Chipley
$29K - $650K Price Range
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 |
|---|---|---|---|
| $136,000 | Sunbelt Title | ||
| $100 | Sunbelt Title | ||
| $59,000 | Attorney | ||
| -- | Attorney | ||
| $52,900 | Landsafe Title Of Fl 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 | $133,536 | ||
| Previous Owner | $65,984 | ||
| Previous Owner | $50,255 |
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 |
|---|---|---|---|---|
| 02/27/2026 02/27/26 | Sold | $136,000 | -4.6% | $135 / Sq Ft |
| 01/16/2026 01/16/26 | Pending | -- | -- | -- |
| 12/20/2025 12/20/25 | Price Changed | $142,500 | -0.7% | $142 / Sq Ft |
| 10/31/2025 10/31/25 | Price Changed | $143,500 | -1.0% | $143 / Sq Ft |
| 09/16/2025 09/16/25 | For Sale | $145,000 | -- | $144 / 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 | $1,621 | $93,727 | $8,475 | $85,252 |
| 2024 | $1,477 | $92,521 | $8,475 | $84,046 |
| 2023 | $1,311 | $59,718 | $0 | $0 |
| 2022 | $1,191 | $66,564 | $6,215 | $60,349 |
| 2021 | $1,080 | $55,995 | $6,215 | $49,780 |
| 2020 | $952 | $44,867 | $6,215 | $38,652 |
| 2019 | $932 | $42,823 | $6,215 | $36,608 |
| 2018 | $935 | $41,925 | $6,215 | $35,710 |
| 2017 | $959 | $41,822 | $6,215 | $35,607 |
| 2016 | $978 | $42,118 | $0 | $0 |
| 2015 | $992 | $42,118 | $0 | $0 |
| 2014 | -- | $42,118 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Tonia Hathaway
Seller's Agent in 2026
Tonia Hathaway
CENTURY 21 Commander Realty
(850) 415-2806
63 Total Sales
-
N
Buyer's Agent in 2026
Non Member
NON-MEMBER OFFICE
Map
Source: Central Panhandle Association of REALTORS®
MLS Number: 779075
APN: 00000000-00-2859-0000
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS.
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