




872 1st St, Chipley, FL, 32428
About This Home
Welcome to this charming home situated on four city lots, where classic Southern style blends seamlessly with thoughtful updates throughout this 4-bedroom, 2-bath property. From the moment you arrive, you'll appreciate the inviting curb appeal and the comfortable feel this home offers. Inside, the living room provides a spacious setting for everyday living and entertaining, featuring vinyl plank flooring and a warm, welcoming atmosphere. The kitchen is both functional and stylish, complete with an island, breakfast bar, butcher block countertops, stainless steel appliances, and a pantry for added storage. A versatile bonus room--currently used as the primary bedroom--offers added flexibility, along with an attached bath and direct access to the carport, creating a private and convenient space. Three additional bedrooms and a full bath are located on the opposite side of the home, providing a practical layout for family or guests. The home also benefits from several key improvements completed by the current owner, including spray foam insulation beneath the home, replacement of drain lines extending to the road, updated hot water lines, and improved driveway drainage with the addition of a French drain. Flooring has also been updated, contributing to the home's overall comfort and functionality. Outside, you'll find a covered porch perfect for relaxing, along with a 3-bay pole barn that offers plenty of room for equipment, storage, or recreational vehicles. Conveniently located just minutes from shopping, dining, and Northwest Florida Community Hospital, this property combines space, comfort, and everyday convenience.
Getting Around
Schools
Construction
Condition
- Year built: 1960
Materials
- Foundation: Slab
- Roof: Asphalt
- Construction materials: Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Country
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Range,Gas Water Heater,Tankless Water Heater
Bedroom
- Dimensions: 12.2 x 14.4
Bedroom
- Dimensions: 12.3 x 10.2
Bedroom
- Dimensions: 10.2 x 10.3
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Cooling
- Cooling features: Central Air
Features
- Flooring: Luxury Vinyl Plank
Interior Area
- Total structure area: 1,768
- Total interior livable area: 1,768 sqft
Kitchen
- Dimensions: 14 x 14.4
Living Room
- Dimensions: 15.2 x 19.1
Master Bedroom
- Dimensions: 17.9 x 19.1
Property
Details
- Parcel number: 000000000021950008
Features
- Patio & porch: Covered,Open,Porch
Lot
- Lot size: 0.67 Acres
- Features: Paved
- Lot size dimensions: 97 x 293 x 98 x 293
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
- Inland Flooding
- Strong Wind
- 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 | $1,365 | $16,380 |
| Home Insurance * | $189 | $2,268 |
| Property Taxes | $332 | $3,984 |
| Electricity | $197 | $2,366 |
| Total | $2,083 | $24,996 |
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 |
|---|---|---|
| 2026-04-26 | Price change | $277,499 |
| 2026-04-03 | Listed for sale | $279,999 |
| 2024-05-02 | Sold | $225,000 |
| 2024-04-18 | Pending sale | $239,999 |
| 2024-04-05 | Price change | $239,999 |
| 2024-03-28 | Price change | $244,999 |
| 2024-03-25 | Price change | $249,999 |
| 2024-03-09 | Listed for sale | $254,999 |
| 2021-06-25 | Sold | $174,000 |
| 2021-05-29 | Pending sale | $189,999 |
| 2021-05-06 | Listed for sale | $189,999 |
| 2021-04-26 | Contingent | $204,999 |
| 2021-04-20 | Listed for sale | $204,999 |
| 2021-02-10 | Listing removed | -- |
| 2021-01-24 | Listed for sale | $199,999 |
