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1528 Hilltop Dr, Bonifay, FL, 32425

4beds
3baths
2,160sqft
$665,900
$308price/sqft
$5,277/moest. monthly cost
$211,080/yrincome needed

About This Home

Welcome to this beautiful and unique 4-bedroom, 3-bathroom waterfront home situated on 2.58+/- acres in the tranquil Twin Lakes Estates. Originally built in 2008, this property has been completely remodeled inside and out, offering a modern and luxurious living experience. The home is nestled between two serene ponds/lakes, perfect for fishing and enjoying nature. Outside, you'll find a stunning paver pool patio complete with an outdoor kitchen, fire pit, and hot tub - ideal for entertaining or relaxing. A finished pool room with a closet for storage and a full bathroom adds convenience and functionality. The property also boasts an impressive 32x72 barn/workshop that includes a spacious mother-in-law suite featuring a full kitchen, two bedrooms, and a bathroom. The barn is equipped with spray foam insulation, power button roll-up doors, and an upstairs game room, providing plenty of space for hobbies, projects, or guests. Additionally, there is a 32x48 pole barn perfect for storing a camper, boat, or other recreational vehicles. Situated at the end of a quiet road with no through traffic, this property offers privacy and peace. Don't miss your chance to own this exceptional home!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

4/10
Bethlehem High SchoolGrades PK-124.8 mi
4/10
Poplar Springs High SchoolGrades PK-125.7 mi
--
Holmes Virtual FranchiseGrades K-128.5 mi

Construction

Condition

  • Year built: 2008

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater

Bedroom

  • Dimensions: 12 x 12

Bedroom

  • Dimensions: 12 x 12

Bedroom

  • Dimensions: 11 x 11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Dimensions: 10.5 x 11

Features

  • Utility Room

Heating & Cooling

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

Interior Area

  • Total structure area: 2,160
  • Total interior livable area: 2,160 sqft

Kitchen

  • Dimensions: 20 x 11.5

Living Room

  • Dimensions: 19 x 15

Master Bathroom

  • Dimensions: 12 x 8

Master Bedroom

  • Dimensions: 16 x 14

Utility Room

  • Dimensions: 7 x 9.5

Property

Details

  • Parcel number: 0420.00001000032.000
  • Zoning description: Resid Single Family
  • Special condition: Listed As-Is

Features

  • Pool features: In Ground
  • Patio & porch: Covered,Porch

Lot

  • Lot size: 2.58 Acres
  • Lot size dimensions: irregular

Parking

  • Total spaces: 2
  • Parking features: Garage
  • 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
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Strong Wind

FEMA Declared Disasters in Holmes 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 $3,367$40,404
Home Insurance *$1,093$13,116
Property Taxes $600$7,200
Electricity $217$2,608
Total$5,277$63,324
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$180,925/yr
40% on housing$158,310/yr
45% on housing$140,720/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: 14.7%
14.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 10.4%
10.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$308This listing

vs Other Active Listings

Avg $/sqft

ZIP 32425$108
Holmes County$133

vs Homes Sold Last Month

Median $/sqft

ZIP 32425
Holmes County$73

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
2026-01-26Price change$674,900
2025-09-17Price change$679,900
2025-08-12Price change$684,900
2025-03-28Price change$694,900
2024-12-13Listed for sale$699,900
2024-12-11Listing removed--
2024-12-05Price change$699,000
2024-10-28Listed for sale$750,000
2016-06-22Sold$13,500

For Sale by Agent

AgentCindy R Birge
BrokerageElite Realty

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