Listing provided courtesy of SOUTHERN WAY REALTY, INC.- MLS# 788906MLS Provider

656 4th StreetChipley, FL 32428

Single Family · 4 Beds · 3 Full Baths · 1 Half Bath · 3,494 Sq. ft. | 0.28 Acres
$389,999 Active

656 4th Street Overview

Time on Site:
65 days
Visits:
0

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. **Motivated Sellers**

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656 4th Street Facts & Features

  • Type Single Family
  • Sq. ft. 3,494
  • Price/Sq.ft. $112
  • Lot 0.28 Acres

Details

General

Association/HOA

  • Association: false

Building Information

  • New Construction: false
  • Year Built: 1930

Location/Region

  • County Or Parish: Washington
  • MLS Area Major: 10 - Washington County
  • MLS Area Minor: 1001 - Washington NE
  • Postal City: Chipley
  • Subdivision Name: No Recorded Subdiv

General Information

  • Property Sub Type: Single Family Residence
  • Property Type: Residential

Interior

Parking Information

  • Garage: false

Beds/Baths

  • Bathrooms Full: 3
  • Bathrooms Half: 1
  • Bathrooms Total: 4
  • Bedrooms Total: 4

Building Interior

  • Building Area Total: 3494.0

General Information

  • Appliances: Electric Cooktop,Electric Oven
  • Fireplace: true
  • Interior Features: Main Level Primary
  • Living Area Source: Listing Agent
  • Rooms Total: 9
  • Units Furnished: None

Exterior

Lot Information

  • Lot Features: Paved
  • Lot Size Acres: 0.28
  • Lot Size Area: 0.28
  • Lot Size Dimensions: 153x82x149x76
  • Lot Size Square Feet: 12327.0
  • Lot Size Units: Acres

Waterfront/View

  • Waterfront: false

Building Exterior/Construction

  • Architectural Style: Other
  • Attached Garage: false
  • Construction Materials: Brick
  • Patio And Porch Features: Covered,Porch
  • Roof: Composition,Shingle

General Information

  • Fencing: Fenced
  • Sewer: Public Sewer

Room Information

Room: Bonus Room

  • Length: 28.19

Room: Dining Room

  • Dimensions: 13.5 x 11.7
  • Length: 13.5
  • Width: 11.7

Room: Family Room

  • Dimensions: 16.3 x 13
  • Length: 16.3
  • Width: 13.0

Room: Living Room

  • Dimensions: 13.5 x 22.8
  • Length: 13.5
  • Width: 22.8

Room: Primary Bedroom

  • Level: First
  • Dimensions: 21.5 x 23
  • Length: 21.5
  • Width: 23.0

Room: Bedroom

  • Level: Second
  • Dimensions: 10 x 21
  • Length: 10.0
  • Width: 21.0

Room: Bedroom

  • Level: Second
  • Dimensions: 11.5 x 21
  • Length: 11.5
  • Width: 21.0

Room: Bedroom

  • Level: Second
  • Dimensions: 14.2 x 21.3
  • Length: 14.2
  • Width: 21.3

Room: Bonus Room

  • Level: Second
  • Dimensions: 18.6 x 27.3
  • Length: 18.6
  • Width: 27.3

656 4th Street Neighborhood

Community

32428 (Chipley) Demographics

41
Median Age
60
Population Density (per sq. mile)
20%
College Educated
$40,084
Estimated Median Income
4,796
Estimated Total Home Owners
1,270
Estimated Total Renters
79% / 21%
Estimated Owner / Renter Divide
2
Estimated Average Household Size
Community data courtesy of LiveBy, Inc.

Schools

School data courtesy of LiveBy, Inc. School ratings are based on a scale of 1-5, with 5 being the highest rating and 1 being the lowest rating.

656 4th Street Monthly Cost

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$
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* All calculations are estimates and provided by Reliance Network, for informational purposes only. Actual amounts may vary. ** Assumes 6.50% APR, 20% down payment, and conventional 30-year fixed rate first mortgage. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice. You should not make any decisions based simply on the information provided. Additional required amounts such as taxes, insurance, homeowner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Contact your mortgage company for current rates and additional information. Any mortgage broker or insurance agent that may appear is independent and is not affiliated with, endorsed by, or provided by the MLS.

656 4th Street Market Data

Based on the last 30 days in this zip code

$293,874
Average List Price
$173
Average Price per Square Foot
16
Properties Sold
69
Average Days on Market
205
Properties for Sale
Calculations provided by Reliance Network

656 4th Street History

Date Event Value Agent
6/17/2026Source: Central Panhandle MLS Price Reduction
$389,999 -1.3%
6/6/2026Source: Central Panhandle MLS Price Reduction
$394,999 -1.3%
4/25/2026Source: Central Panhandle MLS Added to Database
April 25, 2026
3/18/2026Source: Central Panhandle MLS Added to Database
March 18, 2026