656 4th St

Chipley, FL 32428

$399,999
Price
4
Beds
3,494 Sq. Ft.
$114 / Sq. Ft.
3,494
Sq. Ft.
$114
per Sq. Ft.
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Description

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...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.
  1. Listed by Seamus J O'neill • SOUTHERN WAY REALTY, INC.

Property Details for 656 4th Street

Architectural Style
Other
Waterfront
No
Subdivision Name
[No Recorded Subdiv]
LISTING UPDATED: 04/26/2026 02:58 PM

Property Details for 656 4th Street

StatusActive
MLS #788906
Days on Market6
Taxes-
HOA Fees-
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential / Single Family Residence / Single Family Residence
Year Built1930
Lot Size0.28 AC / 12,196 SF
CountyWashington County
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Location

Listing Courtesy of SOUTHERN WAY REALTY, INC.
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Building Information for 656 4th Street

Stories-Year Built1930Building Size-Lot Size0.28 AC / 12,196 SF

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$2,014 per month

30 year fixed, 6.46% Interest

Principal and Interest

$2,014

Property Taxes

$0

HOA Dues

$0

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Property Information for 656 4th Street

Summary
Location and General Information
  • City: Chipley
  • County Or Parish: Washington
  • Directions: From the intersection of Hwy 90 and Hwy 77 head north on Hwy 77, take a left onto Church Ave and then a right onto 4th St. Home is on the left. Sign up.
  • State Region: FL
  • Postal Code: 32428
  • Latitude: 30.782066
  • Longitude: -85.541275
  • State Or Province: FL
  • MLS Area Major: 10 - Washington County
  • MLS Area Minor: 1001 - Washington NE
Taxes and HOA Information
  • Parcel Number: 00000000-00-1596-0000
  • Association: No
  • Tax Legal Description: 4 4 13 BEG.AT NEC OF LOT 8,RUN S.110', W.83', N.110',E.83', S1/2 OF NW1/4, S.42' OF LOT 1 OR 224 P 476 (LE OR 255 P 2315 ) BLK 1,
Parking
  • Attached Garage: No
  • Garage: No
Property
Lot Information
  • Building Area Total: 3494.0
  • Lot Features: Paved
  • Lot Size Acres: 0.28
  • Lot Size Area: 0.28
  • Lot Size Dimensions: 153x82x149x76
  • Lot Size Units: Acres
  • Lot Size Square Feet: 12327.0
  • Living Area Source: Listing Agent
Property and Assessments
  • Year Built: 1930
  • New Construction: No
  • Human Modified: No
Utilities
  • Sewer: Public Sewer
Interior and Exterior Features
Exterior Features
  • Fencing: Fenced
  • Construction Materials: Brick
  • Patio And Porch Features: Covered, Porch
  • Roof: Composition, Shingle
Interior Features
  • Bathrooms Full: 3
  • Bathrooms Half: 1
  • Bathrooms Total: 4
  • Bedrooms Total: 4
  • Rooms Total: 9
  • Cooling: Yes
  • Cooling: Central Air, Multi Units
  • Heating: Yes
  • Heating: Central, Fireplaces
  • Appliances: Electric Cooktop, Electric Oven
  • Fireplace: Yes
Room Information
Room 1
  • Room Dimensions: 18.6 x 27.3
  • Room Length: 18.6
  • Room Level: Second
  • Room Type: Bonus Room
  • Room Width: 27.3
Room 2
  • Room Dimensions: 14.2 x 21.3
  • Room Length: 14.2
  • Room Level: Second
  • Room Type: Bedroom
  • Room Width: 21.3
Room 3
  • Room Length: 28.19
  • Room Type: Bonus Room
Room 4
  • Room Dimensions: 10 x 21
  • Room Length: 10.0
  • Room Level: Second
  • Room Type: Bedroom
  • Room Width: 21.0
Room 5
  • Room Dimensions: 11.5 x 21
  • Room Length: 11.5
  • Room Level: Second
  • Room Type: Bedroom
  • Room Width: 21.0
Room 6
  • Room Dimensions: 21.5 x 23
  • Room Length: 21.5
  • Room Level: First
  • Room Type: Primary Bedroom
  • Room Width: 23.0
Room 7
  • Room Dimensions: 16.3 x 13
  • Room Length: 16.3
  • Room Type: Family Room
  • Room Width: 13.0
Room 8
  • Room Dimensions: 13.5 x 11.7
  • Room Length: 13.5
  • Room Type: Dining Room
  • Room Width: 11.7
Room 9
  • Room Dimensions: 13.5 x 22.8
  • Room Length: 13.5
  • Room Type: Living Room
  • Room Width: 22.8
Multi Family
Multi-Family Information
  • Units Furnished: None
Mobile Home
Mobile Home Information
  • Mobile Dim Units: Feet
Rental
Rental Information
  • Occupant Type: Vacant

Property History for 656 4th Street

DateEvent & SourcePriceAppreciation
Apr 25, 2026

Listed (Active)

CPAR #788906

$399,999—
Mar 24, 2023

Sold

CPAR #725960

$230,000—
Mar 23, 2023

Sold (Public Record)

Public Record #1508545583

$230,000—
DateEvent & SourcePrice
04/25/2026

Listed (Active)

CPAR #788906

$399,999
03/24/2023

Sold

CPAR #725960

$230,000
03/23/2023

Sold (Public Record)

Public Record #1508545583

$230,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 656 4th Street

Taxable ValueLand-Additions-Total-
Home Facts
Beds0Total Finished SqFt2,821 SqFtAbove Grade Finished SqFt2,821 SqFtLot Size12,327 SqFtStyleSingle Family ResidenceYear Built1930Year Renovated1986CountyWASHINGTONAPN15960000Fireplace TypeHas Fireplace

Schools near 656 4th Street

This home is within Washington County School District.
Rating
School
Type
Grades
Distance
Vernon Elementary School
Public - PK to 5
Kate M. Smith Elementary School
Public - K to 5
Vernon Middle School
Public - 6 to 8
Roulhac Middle School
Public - 6 to 8
Rating
School
Distance
Vernon Elementary School
PublicPK to 5

Kate M. Smith Elementary School
PublicK to 5

Vernon Middle School
Public6 to 8

Roulhac Middle School
Public6 to 8

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 656 4th Street, Chipley, FL 32428

656 4th Street is a single family home for sale in Chipley, FL 32428. This property was listed for sale on April 25, 2026 by SOUTHERN WAY REALTY, INC., it's currently listed at $399,999. It has been on the market for a total of 6 days and was last sold on March 24, 2023. This listing's school district is Washington County School District. Nearby schools include Vernon Elementary School, Kate M. Smith Elementary School and Vernon Middle School. 656 4th Street is a 4-bed, 4-bath, 3,494 sqft single family home built in 1930.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of SOUTHERN WAY REALTY, INC.

The data relating to real estate for sale/lease on this web site come in part from a cooperative data exchange program of the Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. The properties displayed may not be all of the properties in the MLS's database, or all of the properties listed with Brokers participating in the cooperative data exchange program. Information deemed reliable but not guaranteed. Copyright© 2026 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.