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3251 Hill Ln, Chipley, FL, 32428

4beds
2baths
2,046sqft
$354,999
$174price/sqft
$2,656/moest. monthly cost
$106,240/yrincome needed

About This Home

Discover this beautifully maintained 4-bedroom, 2-bathroom home offering 2,046 heated and cooled square feet, with the expansive covered patio bringing the total living space to 3,366 square feet. Built in 2022, this turn-key property sits on a peaceful 2.67-acre parcel and is being sold partially furnished, including appliances, washer/dryer, and additional items to make your move effortless. Step inside to an open-concept layout featuring a spacious kitchen with a large center island and abundant counter space perfect for entertaining family and friends. The primary suite is a true retreat, boasting a large walk-in closet plus a luxurious tiled master bath with a separate shower and soaking tub. The additional three bedrooms provide flexible space for guests, a home office, or hobbies. Outside, enjoy the huge, covered patio ideal for year-round outdoor dining and relaxing, along with a covered above-ground pool complete with a surrounding deck for your private backyard oasis. A storm shelter equipped with power and comfortable furnishings offers peace of mind, while the whole-home Generac gas-powered generator ensures comfort during any weather event. Solar panels on a durable metal roof are included, with the seller paying them off at closing. Additional highlights include covered detached parking perfect for an RV or boat, multiple storage buildings throughout the property, and a convenient gravel circular drive for easy access. This low-maintenance, energy-efficient home combines modern comforts with practical features that make everyday living enjoyable. Whether you're looking for a primary residence or a weekend getaway, this property delivers. Located in a quiet, country setting yet conveniently close to amenities, you're less than 30 minutes from Chipley, FL, where you'll find shopping, grocery stores, pharmacies, a hospital, hardware stores, and great local restaurants. Relax on the sugar-white sands of Panama City Beach in under an hour. This rare combination of newer construction, acreage, solar power, backup generator, storm shelter, pool, and abundant storage is truly hard to find. Don't miss your opportunity to own this move-in ready slice of Florida paradise.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
7/10
Roulhac Middle SchoolGrades 6-812.4 mi
4/10
Chipley High SchoolGrades 9-1212.4 mi

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Metal
  • 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 Water Heater

Bedroom

  • Dimensions: 11.08 x 11.08

Bedroom

  • Dimensions: 11.25 x 15.08

Bedroom

  • Dimensions: 10.67 x 15.08

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Dimensions: 9.5 x 14.33

Features

  • Double Vanity,Separate Shower,Walk-In Closet(s)

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,046
  • Total interior livable area: 2,046 sqft

Kitchen

  • Dimensions: 14.08 x 14.33

Laundry

  • Dimensions: 9.17 x 14.33

Living Room

  • Dimensions: 20.25 x 18.75

Master Bathroom

  • Dimensions: 13 x 11.08

Master Bedroom

  • Dimensions: 14.08 x 15.5

Other

  • Dimensions: 11.08 x 5.5

Property

Details

  • Parcel number: 000000000000040090
  • Special condition: Listed As-Is

Features

  • Private pool: Yes
  • Pool features: Above Ground,Private
  • Patio & porch: Deck,Covered,Patio
  • Exterior features: Covered Patio

Lot

  • Lot size: 2.67 Acres
  • Features: Paved
  • Lot size dimensions: Irregular

Parking

  • Parking features: RV Carport
  • Carport: Yes

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
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Heat Wave
Strong Wind
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 $1,795$21,540
Home Insurance *$249$2,988
Property Taxes $407$4,884
Electricity $205$2,470
Total$2,656$31,872
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,062/yr
40% on housing$79,680/yr
45% on housing$70,826/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

$174This listing

vs Other Active Listings

Avg $/sqft

ZIP 32428$154
Washington County$162

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
2026-08-14Price change$349,999
2026-08-03Price change$354,999
2026-07-04Listed for sale$359,000
2021-11-15Sold$20,500

For Sale by Agent

AgentMatthew R Finch
BrokerageWorld Impact Real Estate

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