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$599,999
Monthly Est:$2,986
4 Beds
- 3 Baths
3 full baths
3,625sqft
3955 Highway 77, Chipley, FL 32428
$599,999
$2,986/moEst:
Get Pre-Approved
Single Family Residence
Built in 1995
$-- HOA
19.21 acres lot
$166/sq.ft
Description
This is the space you have been looking for! With over 3,600 square feet heated and cooled and over 19 acres, this property is ready for you and your animals. When you step inside this 1995 4 bedroom/3 bathroom home you're immediately greeted by a massive, open concept living space that's nearly 1,200 square feet alone. With a kitchen/bar in the back corner, tile flooring, extra tall ceilings, and fireplace; this room is the perfect spot for entertaining! The first floor also features one bedroom, an office, laundry room, full bathroom, and a 2-car garage. Walk up the wooden staircase to the second floor where the main kitchen is located, with plenty of cabinets and storage. Along with a dining area and a sunroom that serves as an additional living room. The sunroom features wall to wall windows and a set of French doors that walk out onto a porch, overlooking a 1-acre chain link fenced portion of the yard. Additionally, the primary bedroom is located on the second floor and it is extremely spacious. It has a large walk-in-closet and en suite bathroom that features a double vanity, large garden tub, and walk-in shower. On the top floor are two additional bedrooms and one bathroom. Throughout, you will find an array of closets and storage space. The split levels of this home offer privacy and is the perfect layout for a multi-family living scenario or is simply perfect to give everyone their own space. The roof was replaced in 2019 and the water heater was replaced in 2019. There are 3 central air conditioning units and the ages are as follows: 2024, 2003, and 1993.
The property has a paved driveway and is on a well and septic system. The drain field was replaced in 2025. Out back there is a metal shop with a slab and materials to finish the inside of it: insulation, plywood, lights, and some drywall. Electricity has not been connected to it yet. There is also a horse barn with a slab and plumbing. This barn has 3 horse stalls and a utility room. The land is fenced and cross fenced and has pasture area for your animals. At the back of the property there is a 2-acre pond that is currently dry because of the drought, but is fed by Reedy Creek that flows behind this property. Due to the pond and the wetlands that extend off of the creek, there is a bit of flood zone/conservation zoning on the land in the rear starting at the pond extending back, but the rest of the property including all pastures, barn, and house is high and dry! Even when the pond is full, there has never been any flooding under the current ownership.
This property would be perfect for a homestead or compound. Plenty of room for animals, gardening, and opportunity for another dwelling. There is already an electricity pole at the back of the property and, per Washington County Planning & Zoning, you can add another dwelling under the current zoning (Agriculture/Silviculture) which allows for one house per 10 acres.
Although the home is located near a highway, you would be surprised at how insulated and quiet it is inside. For an added layer of peace of mind, the seller is offering a one-year home warranty with an acceptable offer! With the construction of highway 77 set for completion in approximately 6 months according to FDOT, the drive down to the beach is quick and easy on a freshly paved 4-lane highway. Here you are only 45 minutes away from a beach day at the white sandy beaches of Panama City Beach! You are also a quick 15 minute drive to Chipley to go to Walmart and other conveniences.
- Houzeo last checked: 1 hour ago
- Listing updated: October 5, 2026 at 3:38 pm
- Listing Provided by: Casey Owens DRE #BK3390116 | Elite Realty (850) 638-0370
- Source: Bay/Panama City/Central Panhandle MLS-FL | MLS#: 796208

Property Details
Status
Active
Type
Single Family Residence
No. of Stories
-
County
City
Neighborhood
--
Year Built
1995
HOA Fees
-
Finished Area
3,625 sqft
Lot Size
19.21 acres lot
Basement Area
- sqft
MLS Name
Bay/Panama City/Central Panhandle MLS
MLS Number
796208
MLS Status
Active
Days on Market
13
Cumulative Days on Market
3

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Location
Facts & Features
Rooms
Bedrooms & bathrooms
Bedrooms: 4
Bathrooms: 3
FullBath
Level: Third
Area: 45.05 Square Feet
Dimensions: 5.3 x 8.5
Bedroom
Level: Third
Area: 164.43 Square Feet
Dimensions: 11.11 x 14.8
Bedroom
Level: Third
Area: 115.20 Square Feet
Dimensions: 12 x 9.6
PrimaryBathroom
Level: Second
Area: 158.76 Square Feet
Dimensions: 10.8 x 14.7
PrimaryBedroom
Level: Second
Area: 316.63 Square Feet
Dimensions: 11.11 x 28.5
Sunroom
Level: Second
Area: 232.80 Square Feet
Dimensions: 24 x 9.7
Kitchen
Level: Second
Area: 223.31 Square Feet
Dimensions: 11.11 x 20.1
DiningRoom
Level: Second
Area: 178.18 Square Feet
Dimensions: 11.8 x 15.1
Laundry
Level: First
Area: 95.76 Square Feet
Dimensions: 11.4 x 8.4
Office
Level: First
Area: 207.90 Square Feet
Dimensions: 18.9 x 11
FullBath
Level: First
Area: 72.96 Square Feet
Dimensions: 11.4 x 6.4
Bedroom
Level: First
Area: 269.04 Square Feet
Dimensions: 22.8 x 11.8
DiningRoom
Level: First
Area: 275.65 Square Feet
Dimensions: 14.9 x 18.5
Kitchen
Level: First
Area: 242.35 Square Feet
Dimensions: 13.1 x 18.5
LivingRoom
Level: First
Area: 475.84 Square Feet
Dimensions: 24.9 x 19.11
Interior
Heating
Central, Electric, Fireplaces
Exterior Features
Deck
Cooling
Central Air, Ceiling Fans
Interior Features
Double Vanity, Separate Shower, Upper Level Primary, Walk In Closets
Appliances
Electric Oven, Electric Range, Electric Water Heater
Construction
Year Built
Year Built: 1995
Home type
Single Family Residence
Foundation Details
Slab
Construction Materials
Vinyl Siding
Roof
Composition, Shingle
Architectural Style
Other
Utilities & Energy
Utilities
Electricity Available
Other Features
Lot Features
Paved
Subdivision Name
[no Recorded Subdiv]
Community Features
Short Term Rental Allowed
Patio And Porch Features
Deck, Covered, Porch
Price History
| Date | Event | Price |
|---|---|---|
10/05/2026 Source: | Listed for Sale | $599,999 $166/sqft |
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Based on information from Central Panhandle Association of REALTORS® MLS through Oct 16, 2026, 08:30AM. 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. ©2026 Bay Central Panhandle Association of REALTORS®
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