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3130 Magnolia Dr, Chipley, FL, 32428

2beds
2baths
1,848sqft
$775,000
$419price/sqft
$5,329/moest. monthly cost
$213,160/yrincome needed

About This Home

Custom, ICF CONSTRUCTION, WATERFRONT home with acreage located in Paradise Lakes, Washington County Florida- 2BR/2 Bath -1848 sq feet/3030 sq ft under roof. 3.57 acres+/- of Dunford Lake water frontage....There are 4 contiguous lots at this homesite, but the GARDEN lot has has no structure could easily be SOLD as a vacant, buildable lot...Exterior of Home- CRAFTSMAN look and feel with 36 inch river rock stone border to include columns of front porch with Hardi brand board & batten around the full exterior, Roof deck(attic) sprayed with 6 inches of open cell spray foam- Andersen A- series, picture style windows cased in oak, windows wet flashed with Prosoco wet flashing, Andersen A- series doors with multi point locks cased in oak, Larson Mahogany 42 inch solid wood front door, 3ft wood sea wall, Haas 664 Mahogany Bi-directional grain, 6 pane garage door with arched windows and hurricane rated with handles and hinges-6 inch seamless gutters around perimeter of house, huge screened in back porch 10x50 which stretched full length of the home (waterfront)...Geo- technical boring done on site to insure suitable, stable ground for the Construction of the home..Interior of Home- Living Room features a huge, Stone accent, Wood burning fireplace with Gas log lighter, built in oversize book cases, 6x8 ft picture window, access to back porch, open and spacious Kitchen features Z line appliances to include 7 burner gas cooktop, double ovens, 45'' single bowl stainless z line sink, and a drawer style microwave, Zephyr flush-mount exhaust hood, Frigidaire Gallery 29 cu ft refrigerator, built in custom cabinets, oversized 6x9 Quartzite Island, open and spacious Guest Bath features skirted Kohler soaker tub, curb less, walk in shower and features Schluter system waterproofing membrane and floor pans,, double vanities with Kohler undermount, oversized sinks, and Kohler ride height toilet, ceiling fan (Fandelier) Guest bedroom-features French door entry to back porch, waterfront view Master Bedroom- features French door entry to back porch, waterfront view Master Bath-features curb less, Walk in shower with custom stonework and features Schluter system waterproofing membrane and floor pans, double vanities with Kohler undermount, oversized sinks, and Kohler ride height toilet, oversized dressing counter with chair, linen closet, ceiling fan Laundry/mud room- oversized canning pantry and mechanical closet located in this room, built in mop/hand sink, hanging space for laundry, built in storage cabinets to include a day bench Extras and upgrades-Custom reclaimed oak engineered wood flooring 8'' wide planks, Custom trim work throughout house, Interior doors are 8' solid wood doors, Cypress tongue & groove ceilings, custom cabinetry throughout the home, 10 foot ceilings, oversized canning pantry, Granite and Quartzite counter tops throughout, HUGE Garden- 60x 120 - soil tested twice a year, blueberry bushes, pear trees, peach trees, blackberry trellis, orange trees, lemon tree, and muscadine arbor.- electric fence Pole barn- fully permitted 24x36 12' eaves pole barn residential concrete slab, upgraded 26 gauge metal roof/walls, fully wired to include 30amp outlet barn has been sprayed with closed cell insulation roof/walls also has 2 10' wind rated roll up doors...Extra Features - 22 KW Generac whole house generator with transfer switch, deep well with water filter system and water softener system, 250-gallon Propane tank, RV parking access spot with ramp

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
Vernon Elementary SchoolGrades PK-55.4 mi
4/10
Vernon Middle SchoolGrades 6-84.2 mi
3/10
Vernon High SchoolGrades 9-124.0 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Roof: Composition,Shingle
  • Construction materials: HardiPlank Type,Other,Concrete,Stone,See Remarks

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Single Family Residence

Interior

Bedroom

  • Level: First
  • Dimensions: 14 x 12

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Family Room

  • Level: First
  • Dimensions: 25 x 25

Features

  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Fireplace(s),Propane
  • Cooling features: Central Air,Ceiling Fan(s),ENERGY STAR Qualified Equipment

Interior Area

  • Total structure area: 1,848
  • Total interior livable area: 1,848 sqft

Kitchen

  • Level: First
  • Dimensions: 18 x 10

Laundry

  • Level: First
  • Dimensions: 14 x 6

Master Bathroom

  • Level: First
  • Dimensions: 12 x 6

Master Bedroom

  • Level: First
  • Dimensions: 22 x 18

Property

Details

  • Parcel number: 000000000033730115

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Porch,Screened
  • Exterior features: Porch,Rain Gutters
  • On waterfront: Yes
  • Waterfront features: Lake,Lake Front

Lot

  • Lot size: 3.57 Acres
  • Lot size dimensions: 400 x 400

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Wildfire
Tsunami

FEMA Declared Disasters in Washington County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,918$47,016
Home Insurance *$544$6,528
Property Taxes $670$8,040
Electricity $197$2,366
Total$5,329$63,948
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$182,708/yr
40% on housing$159,870/yr
45% on housing$142,106/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.1%
15.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: -2.4%
-2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$419This listing

vs Other Active Listings

Avg $/sqft

ZIP 32428$149
Washington County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 32428
Washington County$162

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-13Listed for sale$789,000
2026-04-05Listing removed$829,000
2026-02-03Price change$829,000
2025-09-02Listed for sale$849,000
2025-04-17Listing removed$799,999
2025-03-04Listed for sale$799,999

For Sale by Agent

AgentSteven Koleno
BrokerageBeycome of Florida LLC

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