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Single family home for sale at 3955 Highway 77, Chipley, FL 32428 | MLS# 796208 | Listing updated on 2026-10-05
Photo 1 of Single family home for sale at 3955 Highway 77, Chipley, FL 32428 | MLS# 796208 | Listing updated on 2026-10-05
Photo 2 of Single family home for sale at 3955 Highway 77, Chipley, FL 32428 | MLS# 796208 | Listing updated on 2026-10-05
Photo 3 of Single family home for sale at 3955 Highway 77, Chipley, FL 32428 | MLS# 796208 | Listing updated on 2026-10-05
Photo 4 of Single family home for sale at 3955 Highway 77, Chipley, FL 32428 | MLS# 796208 | Listing updated on 2026-10-05
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$599,999

Monthly Est:$2,986

  • Beds Icon4 Beds
  • Beds Icon
    3 Baths
  • Beds Icon3,625sqft

3955 Highway 77, Chipley, FL 32428

$2,986/moEst:

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  • 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 Bay/Panama City/Central Panhandle MLS-FL

Property Details

  • Status

    Active

  • Type

    Single Family Residence

  • No. of Stories

    -

  • County

    Washington County

  • City

    Chipley

  • 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

DateEventPrice

10/05/2026

Source: mls_logoBay/Panama City/Central Panhandle MLS-FL #796208

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®

Advertising Broker: Moe Mossa (Savvy Avenue) | Savvy Avenue, LLC