This beautifully renovated 1938 home blends classic charm with modern updates and an unbeatable location—just two minutes from downtown Chipley's shops and restaurants. Located in a charming neighborhood, the property spans from Main Street all the way back to 7th Street, offering rare rear access and plenty of parking.
Inside, the home has been completely remodeled from top to bottom. Updates include brand-new luxury vinyl plank flooring and carpet, fresh interior paint, new kitchen cabinets, new windows with a lifetime warranty, updated appliances (stove coming soon), new vanities and showers, new light fixtures throughout, and new doors. Major system upgrades include a new water heater, a new HVAC system, and a roof replaced in 2025—providing peace of mind for years to come.
The home offers 3 bedrooms and 2 full baths, highlighted by a huge 19x24 primary bedroom filled with beautiful windows that bring in abundant natural light and direct access to a private 12x10 back patio. An exceptionally large laundry room provides flexible space that could serve as a bonus room, home office, or flex area.
This well-built home combines timeless character with modern comfort in a prime Chipley location close to dining, shopping, and everyday conveniences.
For sale
$340,000
657 Main St, Chipley, FL 32428
3beds
1,804sqft
Est.:
Single Family Residence
Built in 1938
0.44 Acres Lot
$127,400 Zestimate®
$188/sqft
$-- HOA
What's special
Fresh interior paintNew light fixtures throughoutUpdated appliancesRare rear accessPlenty of parkingNew doorsNew kitchen cabinets
- 8 hours |
- 89 |
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Zillow last checked: 8 hours ago
Listing updated: 13 hours ago
Listed by:
Rebecca Robinson 850-557-9440,
Chipola Realty
Source: CPAR,MLS#: 783059
Originating MLS: Central Panhandle Association of REALTORS
Originating MLS: Central Panhandle Association of REALTORSTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Bedroom, Dining Room, Full Bath, Kitchen, Living Room, Primary Bathroom, Primary Bedroom, Bonus Room
Primary bedroom
- Level: First
- Dimensions: 23.58 x 19.33
Bedroom
- Level: First
- Dimensions: 10.66 x 11.58
Bedroom
- Level: First
- Dimensions: 10 x 13
Primary bathroom
- Level: First
- Dimensions: 6 x 7.5
Bonus room
- Level: First
- Dimensions: 16.66 x 9.17
Dining room
- Level: First
- Dimensions: 13.5 x 9.92
Other
- Level: First
- Dimensions: 5.25 x 7.5
Kitchen
- Level: First
- Dimensions: 20.92 x 8.5
Living room
- Level: First
- Dimensions: 18.33 x 13
Heating
- Coal, Electric, Fireplace(s)
Cooling
- Central Air
Appliances
- Included: Electric Water Heater
Features
- Flooring: Luxury Vinyl Plank
Interior area
- Total structure area: 1,804
- Total interior livable area: 1,804 sqft
Property
Parking
- Total spaces: 1
- Parking features: Additional Parking, Drive Through
- Covered spaces: 1
Features
- Stories: 1
- Patio & porch: Covered, Patio
Lot
- Size: 0.44 Acres
- Dimensions: 301 x 65
- Features: Paved
Details
- Parcel number: 000000000027520000
- Zoning description: City
- Special conditions: Listed As-Is
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Wood Frame
Condition
- New construction: No
- Year built: 1938
Utilities & green energy
- Sewer: Public Sewer
- Utilities for property: Electricity Available
Community & HOA
Community
- Subdivision: No Named Subdivision
HOA
- Has HOA: No
Location
- Region: Chipley
Financial & listing details
- Price per square foot: $188/sqft
- Tax assessed value: $97,757
- Annual tax amount: $1,896
- Date on market: 12/31/2025
- Electric utility on property: Yes
Estimated market value
$127,400
$93,000 - $164,000
$1,514/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 12/31/2025 | Listed for sale | $340,000+466.7%$188/sqft |
Source:  CPAR #783059 Report a problem | ||
| 1/15/2025 | Sold | $60,000$33/sqft |
Source: CPAR #766619 Report a problem | ||
| 1/6/2025 | Pending sale | $60,000$33/sqft |
Source: CPAR #766619 Report a problem | ||
| 12/30/2024 | Listed for sale | $60,000-19.1%$33/sqft |
Source: CPAR #766619 Report a problem | ||
| 2/15/2021 | Listing removed | -- |
Source: Owner Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $1,791 +8.6% | $84,219 +10% |
| 2023 | $1,649 +9.1% | $76,563 +10% |
| 2022 | $1,512 +10.3% | $69,603 +10% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$2,154/mo
Principal & interest
$1621
Property taxes
$414
Home insurance
$119
Climate risks
Neighborhood: 32428
Nearby schools
GreatSchools rating
- NAWashington Virtual Instruction ProgramGrades: K-12Distance: 0.5 mi
- NAWashington Virtual FranchiseGrades: 4-12Distance: 1.2 mi
- 4/10Kate M. Smith Elementary SchoolGrades: PK-5Distance: 1.5 mi
Schools provided by the listing agent
- Elementary: Kate M. Smith
- Middle: Roulhac
- High: Chipley
Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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