See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

3881 Merger Dr, Chipley, FL, 32428

3beds
2baths
1,401sqft
$274,999
$196price/sqft
$1,964/moest. monthly cost
$78,560/yrincome needed

About This Home

Welcome to this thoughtfully designed 3-bedroom, 2-bath custom-built home where quality craftsmanship meets modern convenience. Every detail of this property has been carefully selected to enhance comfort, efficiency, and everyday living. The heart of the home features a beautifully appointed kitchen with granite countertops, a stunning tile backsplash, stainless steel appliances, and a sleek vent hood. A Delta touch-activated kitchen faucet adds both style and functionality, while the reverse osmosis water system supplies purified water directly to the kitchen sink dispenser and refrigerator. This home is equipped with multiple whole-home upgrades designed for peace of mind and long-term savings, including a whole-home water treatment system, air purifier, and surge protector. The primary suite offers a spa-like retreat with a custom master shower featuring a rainhead, standard shower head, and handheld fixture, a bidet toilet, complemented by high-quality Delta faucets throughout all bathrooms. Energy efficiency is a standout feature, with a spray foam insulated attic and batt insulation in both exterior and interior walls, helping to reduce heating and cooling costs. The home also includes a 50-gallon hybrid water heater, designed to conserve energy while helping cool and dehumidify the garage space. For added versatility, the property includes a 50 Amp RV outlet and a secondary asphalt milling driveway, perfect for storing an RV, boat, or recreational vehicles. The garage is further enhanced with a built-in audio system and speakers, creating a functional and enjoyable space. The home also has black chain link fencing along the backside of home and right side. This home perfectly blends modern upgrades, energy efficiency, and custom features, offering a unique opportunity for buyers seeking both comfort and elevated living. The community has multiple amenities including a golf course with 18 holes, multiple lakes for fishing-with a public boat ramp located at Gap lake, a beach front-like setting for swimming and gatherings at Boat lake, a community park-Wilder Park that has a playground, basketball court, tennis court, and even a skateboard area.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

4/10
Vernon Elementary SchoolGrades PK-57.5 mi
4/10
Vernon Middle SchoolGrades 6-86.2 mi
3/10
Vernon High SchoolGrades 9-126.1 mi

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Composition,Shingle
  • Construction materials: HardiPlank Type

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Electric Cooktop,Electric Water Heater,Water Purifier Owned

Bedroom

  • Level: First
  • Dimensions: 11 x 11

Bedroom

  • Level: First
  • Dimensions: 11 x 11

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Bidet,Smart Thermostat
  • Flooring: Luxury Vinyl Plank

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,401
  • Total interior livable area: 1,401 sqft

Master Bedroom

  • Level: First
  • Dimensions: 13 x 14

Property

Details

  • Parcel number: 000000000100240014
  • Zoning description: Resid Single Family
  • Special condition: Listed As-Is
  • Other equipment: Air Purifier

Features

  • Patio & porch: Open,Porch
  • Fencing: Chain Link,Fenced

Lot

  • Lot size: 0.28 Acres
  • Features: Paved
  • Lot size dimensions: 124.9' x 100.7' x 104.3' x 105.9'

Parking

  • Total spaces: 1.5
  • Parking features: Additional Parking,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1.5
  • Covered spaces: 1.5

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
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
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 $1,390$16,680
Home Insurance *$193$2,316
Property Taxes $184$2,208
Electricity $197$2,366
Total$1,964$23,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,337/yr
40% on housing$58,920/yr
45% on housing$52,373/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

$196This listing

vs Other Active Listings

Avg $/sqft

ZIP 32428$155
Washington County$163

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)

Price History

DateEventPrice
2026-04-27Price change$274,999
2026-04-11Listed for sale$279,999
2022-11-17Sold$260,000
2022-01-07Sold$4,800

For Sale by Agent

AgentKatie W Jennings
BrokerageLegacy Premier Agency

Similar Homes