$399,999

656 4th St Chipley, FL 32428

Estimated payment $2,524/month

Total Views 1,347
4 Beds
3.5 Baths
3,494 Sq Ft
$114 Price per Sq Ft

Highlights

  • Bonus Room
  • Covered Patio or Porch
  • Fireplace
  • No HOA
  • Breakfast Area or Nook
  • 3-minute walk to Falling Waters State Park

About This Home

Step into timeless character with thoughtful modern updates in this well-maintained historic home, now ready for its next chapter. Offering over 3,400 sq ft, this 4-bedroom, 3.5 bath residence blends classic charm with recent improvements throughout. Inside, you'll find a formal dining room and a spacious family room with a wood-burning fireplace that flows seamlessly into the breakfast nook and updated kitchen that boast new quartz countertops, updated appliances, and a Wi-Fi capable oven, making it both stylish and functional. Just off the kitchen, a newly added butler's pantry provides additional prep space and storage--perfect for entertaining. Fresh paint and tasteful wallpaper add character and warmth throughout the home.The main level features a generously sized primary suite complete with an ensuite bath and walk-in closet. Upstairs offers two large guest bedrooms, full bath, and plenty of storage space. Additional upgrades include three new A/C units, new hot water heaters, and blown-in insulation for improved efficiency and comfort. An attached apartment with private exterior access is a blank canvas ready for your vision, with plumbing and electrical already in place to easily add a kitchen, along with space for a living area, bedroom, and full bath. Above, a 28x19 bonus room offers even more flexibility for use. The home is located in the heart of Chipley and within walking distance of restaurants, banks, and shops.

Listing Agent

Seamus O'neill

SOUTHERN WAY REALTY, INC. License #3249238 Listed on: 04/25/2026

Home Details

Home Type

  • Single Family

Year Built

  • Built in 1930

Lot Details

  • 12,327 Sq Ft Lot
  • Lot Dimensions are 153x82x149x76
  • Fenced

Home Design

  • Brick Exterior Construction
  • Shingle Roof
  • Composition Roof

Interior Spaces

  • Fireplace
  • Family Room
  • Living Room
  • Dining Room
  • Bonus Room

Kitchen

  • Breakfast Area or Nook
  • Butlers Pantry
  • Electric Oven
  • Electric Cooktop

Bedrooms and Bathrooms

  • 4 Bedrooms

Outdoor Features

  • Covered Patio or Porch

Utilities

  • Multiple cooling system units
  • Central Heating and Cooling System

Community Details

  • No Home Owners Association

Home Details

Home Type

Single Family

Year Built

Built in 1930

Lot Details

0.28 Acres

Listing Details

  • Property Type: Residential
  • Year Built: 1930
  • Property Sub Type: Single Family Residence
  • Lot Size Acres: 0.28
  • Lot Size: 153x82x149x76
  • Subdivision Name: [No Recorded Subdiv]
  • Architectural Style: Other
  • New Construction: No
  • Property Sub Type Additional: Single Family Residence
  • Special Features: None

Interior Features

  • Appliances: Electric Cooktop, Electric Oven
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Total Bedrooms: 4
  • Fireplace: Yes
  • Dining Room Type: Bedroom, Dining Room, Family Room, Living Room, Primary Bedroom, Bonus Room

Exterior Features

  • Fencing: Fenced
  • Waterfront: No
  • Construction Type: Brick
  • Patio And Porch Features: Covered, Porch
  • Roof: Composition, Shingle

Garage/Parking

  • Garage: No
  • Attached Garage: No

Utilities

  • Cooling: Central Air, Multi Units
  • Heating: Central, Fireplace(s)
  • Cooling Y N: Yes
  • Heating Yn: Yes
  • Sewer: Public Sewer

Condo/Co-op/Association

  • Association: No

Lot Info

  • Lot Features: Paved
  • Lot Size Sq Ft: 12327.0
  • Mobile Dim Units: Feet

Multi Family

  • Number Of Units Furnished: None

Map

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
Collateral Analytics

Collateral Analytics Collateral Analytics AVMs (Automated Valuation Model) employ a number of statistical approaches combined with neighborhood-specific comparable selection guarantees the most up-to-date and precise valuations.

Not Available

Collateral Analytics does not have data for the current month. Please view the chart for historical values.

ICE

ICE Mortgage Technology ICE Mortgage Technology’s AVM (Automated Valuation Model) is a state-of-the-art online residential property valuation tool that provides a quick and accurate estimate of the value of almost any home in the U.S.

Not Available

ICE Mortgage Technology does not have data for the current month. Please view the chart for historical values.

First American

First American First American Data & Analytics’ next-generation AVM combines unrivaled data assets with a blended ensemble of valuation models to produce highly accurate, reliable valuations you can trust.

Not Available

First American does not have data for the current month. Please view the chart for historical values.

Quantarium

Quantarium Quantarium’s valuation service, repeatedly proven the industry’s most accurate and comprehensive, is supercharged with a self-learning and auto-tuning AI engine that continually becomes smarter and more accurate as it processes daily inputs from the industry’s leading RE data lake.

Not Available

Quantarium does not have data for the current month. Please view the chart for historical values.

Average Value
Not Available
List Price
Sold Price
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area

Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

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 -- $290,440 -- --
2024 $4,673 $282,255 $16,920 $265,335
2023 $4,799 $226,768 $0 $0
2022 $4,379 $225,444 $14,100 $211,344
2021 $3,959 $187,412 $14,100 $173,312
2020 $1,688 $123,324 $0 $0
2019 $1,674 $120,551 $0 $0
2018 $1,669 $118,303 $0 $0
2017 $1,665 $115,870 $0 $0
2016 $1,637 $113,487 $0 $0
2015 $1,647 $112,698 $0 $0
2014 -- $111,804 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
04/25/2026 04/25/26 For Sale $399,999 -- $114 / Sq Ft
Source: Central Panhandle Association of REALTORS®

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 Type Sale Price Title Company
Warranty Deed $230,000 Florida Land Title & Trust
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 Loan Amount Loan Type
Open $195,000 VA
Source: Public Records

Source: Central Panhandle Association of REALTORS®

MLS Number: 788906

Central Panhandle Association of REALTORS®

APN: 00000000-00-1596-0000

Your Personal Tour Guide

Ask me questions while you tour the home.