4597 Spotted Horse Ln, Chipley, FL, 32428
About This Home
**Motivated seller! Bring Offers** **Price Improvement + $5K toward Buyer closing costs and prepaids** Looking for country living with all the hard work already done? This beautiful 3.94-acre property is move-in ready and packed with upgrades! The property features a like-new 2024 Southern Energy 14x60 manufactured home offering 2 bedrooms and 2 bathrooms. In addition, you'll find a new well, new underground power, and a septic system sized for a future 3-bedroom, 3-bath home--giving you room to expand. A 75-foot milled asphalt driveway leads you through a large farm gate to the property, providing both convenience and privacy. The standout feature is the newly completed 20-foot insulated container workshop, complete with air conditioning, a man door, finished wood interior, 100-amp electrical panel, overhead lighting, exterior light and outlet, built-in workbenches, and six conveniently placed electrical outlets. A well pump house adds even more functionality. All furniture and machines/tools convey with an acceptable offer. Whether you're looking for a peaceful homestead, weekend retreat, or property with room to grow, this one checks all the boxes.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2024
Materials
- Roof: Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: MobileManufactured
- Architectural style: Mobile Home
- Property subType: Manufactured Home,Single Family Residence
Interior
Appliances
- Appliances included: Electric Cooktop,Electric Oven,Electric Water Heater
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Main Level Primary,Smart Thermostat,Tub Shower
Heating & Cooling
- Heating features: Central,Electric,Heat Pump
- Cooling features: Heat Pump
Interior Area
- Total structure area: 840
- Total interior livable area: 840 sqft
Living Room
- Level: First
- Dimensions: 13 x 13
Master Bedroom
- Level: First
- Dimensions: 11 x 13
Property
Details
- Parcel number: 000000000030730211
- Zoning description: Resid Single Family
- Special condition: Listed As-Is
Lot
- Lot size: 3.94 Acres
- Lot size dimensions: 350 x 490
Parking
- Parking features: Gravel
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
- Lightning
- Tornado
- Cold Wave
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Washington County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,238 | $14,856 |
| Home Insurance * | $171 | $2,052 |
| Property Taxes | $280 | $3,360 |
| Electricity | $197 | $2,366 |
| Total | $1,886 | $22,632 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-14 | Price change | $234,900 |
| 2026-07-28 | Price change | $244,900 |
| 2026-07-16 | Listed for sale | $249,900 |
| 2023-11-06 | Sold | $30,000 |
View on Zillow