# 3955 Highway 77, Chipley, FL 32428

> **TL;DR:** 4bd/3ba single family, $599,999 ($166/sqft), built 1995, 3,625 sqft.
> Fireplace, A/C, 2-car garage. Est. $3,209/mo. Listed 25 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $599,999 |
| Price/sqft | $166 |
| Bedrooms | 4 |
| Bathrooms | 3 full |
| Square Feet | 3,625 |
| Year Built | 1995 |
| Lot Size | 836,788 sqft (19.21 acres) |
| Garage | 2-car |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 25 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $3,034 |
| Estimated Insurance | $175 |
| **Total** | **$3,209** |

## Key Amenities

- Fireplace
- A/C
- 2-car garage

## Property Highlights

- Built in 1995
- 19.21 acre lot
- Fireplace

## Description

### Agent 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.

## Location

- **Address:** 3955 Highway 77, Chipley, FL 32428
- **County:** Washington
- **Neighborhood:** [No Recorded Subdiv]
- **Coordinates:** 30.604352, -85.592915
- **Google Maps:** https://www.google.com/maps?q=30.604352,-85.592915

## Virtual Tour & Media

- **Video Tour:** https://www.zillow.com/view-imx/3e894eb6-2905-4945-b5b9-4de991d5a69f?wl=true&setAttribution=mls&initialViewType=pano

## Listing Agent

- **Name:** Casey Owens · **License:** BK3390116
- **Brokerage:** Elite Realty
- **Broker Phone:** (850) 258-9442
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/3955-Highway-77_Chipley_FL_32428_M63192-98867?f=listhub&s=BCARFL&m=796208&c=propsimple)

## Photos

![3955 Highway 77 - Photo 1](http://lh.rdcpix.com/60eeddce5c00dd78cd4ad735bf450d1el-f484108545r.jpg)

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---

**MLS#:** 796208 | **Updated:** 2026-10-26
**Source:** listhub

*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.*

[View on PropertySimple](https://www.propertysimple.ai/listing/3955-highway-77-chipley-fl-32428-9bc284e5fa8e4ccf8c5909feec3f1d62)

---

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