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2202 Gemini Cir, Chipley, FL, 32428

5beds
3baths
2,043sqft
$285,071
$140price/sqft
$1,955/moest. monthly cost
$78,200/yrincome needed

About This Home

This home is under construction and is situated on just over ¼ acre lot. This exceptional home will have 5 bedrooms and 3 full bathrooms. As you enter the Lakeside floorplan you will find a bright foyer with two bedrooms and a shared bath just off the front entry. As you enter the large open living space there is a dining area and laundry room as well as a small hall leading to two more bedrooms and a full bathroom. The kitchen has a center island and is open to the living area allowing for easy meal prep and clean up. The primary bedroom is located at the back of the home with a nice-sized bathroom that has a shower, dual sink vanity and large closet. Beautiful interior features of this home include granite countertops in the kitchen and bathrooms as well as EVP flooring throughout the common living areas and carpet in each bedroom. The kitchen comes equipped with white cabinetry, a pantry for storage and appliances including a stove, microwave and dishwasher.   The exterior of this home will have vinyl siding, 30-year dimensional shingles with a manufacturer's warranty and lighting at the garage, front entry and back patio. The lawn has been professionally landscaped with a flower bed along the entry walkway and sodded lawn. If you are looking for the perfect place to call home, visit Sunny Hills and request a tour of this amazing home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

4/10
Vernon Elementary SchoolGrades PK-57.4 mi
4/10
Vernon Middle SchoolGrades 6-86.1 mi
3/10
Vernon High SchoolGrades 9-126.0 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Other

  • Builder name: D.R. Horton

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Electric Water Heater,Plumbed For Ice Maker

Bedroom

  • Level: First
  • Dimensions: 10.4 x 11

Bedroom

  • Level: First
  • Dimensions: 10.4 x 11

Bedroom

  • Level: First
  • Dimensions: 12 x 15

Bedroom

  • Level: First
  • Dimensions: 11.1 x 11.8

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Smart Home,Smart Thermostat
  • Flooring: Luxury Vinyl Plank

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,043
  • Total interior livable area: 2,043 sqft

Kitchen

  • Level: First
  • Dimensions: 18.3 x 11.3

Living Room

  • Level: First
  • Dimensions: 15.1 x 16.4

Property

Accessibility

  • Accessibility features: Smart Technology

Details

  • Parcel number: 000000000100080022
  • Zoning description: Resid Single Family

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Patio

Lot

  • Lot size: 0.29 Acres
  • Lot size dimensions: 90 x 139

Parking

  • Total spaces: 2
  • Parking features: Garage,Garage Door Opener
  • 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
    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 $1,441$17,292
Home Insurance *$200$2,400
Property Taxes $109$1,308
Electricity $205$2,467
Total$1,955$23,460
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,028/yr
40% on housing$58,650/yr
45% on housing$52,133/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

$140This 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
2026-04-30Price change$285,071
2026-04-22Price change$280,071
2026-03-03Price change$279,900
2026-02-08Listed for sale$319,900

New Construction Spec

AgentPamela K Hawkins
BrokerageDR Horton Realty of Emerald Coast, LLC

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