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1305 Church Ave, Chipley, FL, 32428

7beds
5baths
5,899sqft
$749,900
$127price/sqft
$6,258/moest. monthly cost
$250,320/yrincome needed

About This Home

Welcome to a truly one-of-a-kind historic home, currently known as the The Sullivan House Bed & Breakfast--originally the Alford House--where timeless character meets modern comfort. Established in the 1880s and thoughtfully rebuilt after a fire, this remarkable residence has been cherished by four generations and stands as a meaningful piece of local history. Spanning nearly 6,000 square feet, the main home features 6 spacious bedrooms and 3.5 bathrooms, offering ample space for everyday living, hosting guests, or multi-generational use. Inside, you'll find cedar-lined closets and six fireplaces (four coal-burning and two wood-burning), creating a warm and inviting atmosphere throughout. The expansive downstairs living areas provide a natural flow for entertaining, with room to comfortably host large gatherings. This home has been well maintained with key updates to include a new roof in 2025, central HVAC installed in 2023, a hot water heater replaced in 2023, and electrical and plumbing upgrades completed between 2023-2025. Outside, the property continues to impress with a 5-car garage and a charming carriage house above, complete with its own 1 bedroom and 1 bathroom--perfect for guests, extended family, or private living space. Modern conveniences such as a 50-amp RV hookup, Level 1 and Level 2 electric vehicle charging stations, and a five-car garage enhance both guest experience and owner flexibility. Additional highlights include a basement ideal for storage or flexible use, a separate outdoor wash house for added convenience, and a rare outdoor concrete block safe--providing a unique and secure solution for storing valuables. Modeled after a South Florida home inspired by Cuban architecture observed in the 1920s, the former Alford House is rich in history, craftsmanship, and character. Whether you're looking for a distinctive primary residence or a private retreat with room to grow, this exceptional property offers a rare opportunity to own something truly special.

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1927

Materials

  • Roof: Composition,Flat,Shingle
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater,Ice Maker,Wine Cooler

Bedroom

  • Level: Second
  • Dimensions: 18 x 13.9

Bedroom

  • Level: Second
  • Dimensions: 17.9 x 17.9

Bedroom

  • Level: Second
  • Dimensions: 17.9 x 13.9

Bedroom

  • Level: Second
  • Dimensions: 16 x 16.3

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Den

  • Level: First
  • Dimensions: 14.4 x 13.5

Dining Room

  • Level: First
  • Dimensions: 18 x 15.8

Great Room

  • Level: First
  • Dimensions: 25.5 x 17.9

Half Bath

  • Level: First
  • Dimensions: 6.1 x 6

Heating & Cooling

  • Heating features: Central,Electric,Fireplace(s)
  • Cooling features: Central Air,Ceiling Fan(s),Heat Pump

Interior Area

  • Total structure area: 5,899
  • Total interior livable area: 5,899 sqft

Kitchen

  • Level: First
  • Dimensions: 17 x 9.9

Kitchen

  • Level: First
  • Dimensions: 11.3 x 9.1

Master Bathroom

  • Level: First
  • Dimensions: 6.1 x 6

Master Bedroom

  • Level: First
  • Dimensions: 16.8 x 16

Office

  • Level: First
  • Dimensions: 17 x 11.9

Other

  • Level: Second
  • Dimensions: 7.5 x 7.3

Other

  • Level: Second
  • Dimensions: 9.1 x 7.9

Other

  • Level: Basement
  • Dimensions: 24.7 x 22.4

Porch

  • Level: First
  • Dimensions: 42 x 11

Screened Porch

  • Level: First
  • Dimensions: 15 x 8

Sunroom

  • Level: First
  • Dimensions: 17.8 x 12.2

Property

Details

  • Parcel number: 000000000016000000
  • Special condition: Listed As-Is

Features

  • Patio & porch: Patio,Porch,Screened
  • Exterior features: Patio,Porch

Lot

  • Lot size: 1.47 Acres
  • Features: Paved
  • Lot size dimensions: 200 x 299 x 235 x 302

Parking

  • Total spaces: 5
  • Parking features: Electric Vehicle Charging Station(s)
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 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
    HurricaneVery High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Inland Flooding
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 $3,791$45,492
Home Insurance *$526$6,312
Property Taxes $1,348$16,176
Electricity $593$7,123
Total$6,258$75,096
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$214,560/yr
40% on housing$187,740/yr
45% on housing$166,880/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

$127This 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
2026-04-27Listed for sale$799,900
2025-10-13Listing removed$780,000
2025-09-30Price change$780,000
2025-09-13Price change$980,000
2025-09-13Price change$680,000
2025-01-31Listed for sale$779,000
2022-09-09Listing removed--
2022-06-11Listed for sale$825,000
2022-04-25Sold$452,000
2022-04-08Pending sale$499,999
2022-03-28Listed for sale$499,999
2022-03-28Pending sale$499,999
2022-02-25Listed for sale$499,999

For Sale by Agent

AgentCindy R Birge
BrokerageElite Realty

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