About This Home

This 4-bedroom, 3-bathroom single family at 3955 Highway 77 in Chipley, FL is listed for $599,999 ($166 per sqft). Built in 1995, the home offers 3,625 sqft of living space on a 19.21 acres lot.

Key Features

  • Built in 1995
  • 19.21 acre lot
  • Fireplace

Property Details

3 full
2-car garage
1995

Amenities

FireplaceA/C
Listing 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.

Monthly Cost Estimate

$3,209/mo

20% down · 6.5% · 30 years

Principal$434
Interest$2,600
Insurance$175

Estimates only. Actual payments may vary.

Location

3955 Highway 77

Chipley, FL 32428

[No Recorded Subdiv]

Features & Amenities

Interior Features

DoubleVanitySeparateShowerUpperLevelPrimaryWalkInClosets

Exterior Features

Deck

Property Details

Construction

VinylSiding

Outdoor Features

PorchDeck

Heating

Fireplace(s)Electric (Heating)Central

Cooling

Central AirCeiling Fan(s)

Appliances

ElectricOvenElectricRangeElectricWaterHeater

Questions & Answers

This 4-bedroom, 3-bathroom single family at 3955 Highway 77 is listed at $599,999 ($166/sqft). The estimated monthly payment is $3,209 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1995, 19.21 acre lot, Fireplace. Interior Features: DoubleVanity, SeparateShower, UpperLevelPrimary. Exterior Features: Deck.

This property is listed by Casey Owens.

CO

Casey Owens

License BK3390116

Agent at Elite Realty

Listed by Elite Realty · Broker phone: (850) 258-9442 · View on Broker Site · Broker website

MLS# 796208· Source: Central Panhandle Association of REALTORS· 24 days on PropertySimple

Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

3955 Highway 77, Chipley, FL 32428

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