656 4th Street, Chipley, FL 32428 (MLS# 788906)

656 4th Street, Chipley, FL 32428

$394,999

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 3,494 Lot Size (sq. ft.): 12,327 Status: Active

Current Price: $394,999 List Date: 4/25/2026 Last Modified: 6/06/2026

Overview

Description

Step into timeless character with thoughtful modern updates in this well-maintained historic home, now ready for its next chapter. Offering over 3,400 sq ft, this 4-bedroom, 3.5 bath residence blends classic charm with recent improvements throughout. Inside, you'll find a formal dining room and a spacious family room with a wood-burning fireplace that flows seamlessly into the breakfast nook and updated kitchen that boast new quartz countertops, updated appliances, and a Wi-Fi capable oven, making it both stylish and functional. Just off the kitchen, a newly added butler's pantry provides additional prep space and storage–perfect for entertaining. Fresh paint and tasteful wallpaper add character and warmth throughout the home.The main level features a generously sized primary suite complete with an ensuite bath and walk-in closet. Upstairs offers two large guest bedrooms, full bath, and plenty of storage space. Additional upgrades include three new A/C units, new hot water heaters, an … (Read more)

Listing Details MLS# 788906

Contract Info

List Price/SqFt: 113.05

Location

Area: 10 – Washington County
Street #: 656
Street Name: 4th
Street Suffix: Street
State: FL
Zip Code: 32428
County: Washington
Sub Area: 1001 – Washington NE
Subdivision: [No Recorded Subdiv]
Community/Resort: None
Waterfront: No
Parcel ID: 00000000-00-1596-0000
Directions: From the intersection of Hwy 90 and Hwy 77 head north on Hwy 77, take a left onto Church Ave and then a right onto 4th St. Home is on the left. Sign up.
Legal Description: 4 4 13 BEG.AT NEC OF LOT 8,RUN S.110', W.83', N.110',E.83', S1/2 OF NW1/4, S.42' OF LOT 1 OR 224 P 476 (LE OR 255 P 2315 ) BLK 1,

General Property Info

Sub-Type: Detached Single Family
Design: Other
Apx SqFt(Htd/Cooled): 3494
SqFt Source: Agent Measured
Full Baths: 3
Half Baths: Yes
Total Baths: 4
Year Built: 1930
Construction Status: Construction Complete
New Construction: No
Garage Y/N: No
Lot Dimensions: 153x82x149x76
Acreage: 0.28
Lot Size (SqFt): 12327
Pool: No

Listing Info, Tax and Legal

Homestead: No
HOA Fee: No
New Buyer Fee: No
Brokerage Interest: No Interest

Remarks & Misc

Remarks: Step into timeless character with thoughtful modern updates in this well-maintained historic home, now ready for its next chapter. Offering over 3,400 sq ft, this 4-bedroom, 3.5 bath residence blends classic charm with recent improvements throughout. Inside, you'll find a formal dining room and a spacious family room with a wood-burning fireplace that flows seamlessly into the breakfast nook and updated kitchen that boast new quartz countertops, updated appliances, and a Wi-Fi capable oven, making it both stylish and functional. Just off the kitchen, a newly added butler's pantry provides additional prep space and storage–perfect for entertaining. Fresh paint and tasteful wallpaper add character and warmth throughout the home.The main level features a generously sized primary suite complete with an ensuite bath and walk-in closet. Upstairs offers two large guest bedrooms, full bath, and plenty of storage space. Additional upgrades include three new A/C units, new hot water heaters, and blown-in insulation for improved efficiency and comfort. An attached apartment with private exterior access is a blank canvas ready for your vision, with plumbing and electrical already in place to easily add a kitchen, along with space for a living area, bedroom, and full bath. Above, a 28×19 bonus room offers even more flexibility for use. The home is located in the heart of Chipley and within walking distance of restaurants, banks, and shops.

Bonus Room

Second: Yes

More Information

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Microwave: Yes
Oven – Electric: Yes
Range Hood: Yes
Refrigerator: Yes

Interior Features

Bookcases: Yes
Fireplace: Yes
Floor – Hardwood: Yes
Pantry: Yes
Split Bedroom: Yes

Construction/Siding

Brick: Yes
Foundation – Off Grade: Yes
Roof – Composite Shngl: Yes

Exterior

Fenced Back Yard: Yes
Porch Covered: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
USDA: Yes

Furnished

Unfurnished: Yes

Interior

Bonus Room: Yes

Lot Features

Cleared: Yes

Lot Access

Paved Road: Yes

Parking Features

Driveway: Yes

Rooms

Bedroom: Yes
Bonus Room: Yes
Dining Room: Yes
Family Room: Yes
Living Room: Yes
Master Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

Public Sewer – Connected: Yes
Public Water – Connected: Yes

Master Bedroom

First: Yes

Bedroom

Second: Yes

Cooling

Central Air: Yes
Multi Units: Yes

Heating

Central: Yes
Fireplace(s): Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Microwave; Oven – Electric; Range Hood; Refrigerator Master Bedroom: First Bedroom: Second Cooling: Central Air; Multi Units Heating: Central; Fireplace(s) Exterior: Fenced Back Yard; Porch Covered Financing: Cash; Conventional; FHA; USDA Furnished: Unfurnished Interior: Bonus Room Lot Features: Cleared Lot Access: Paved Road Bonus Room: Second Parking Features: Driveway Rooms: Bedroom; Bonus Room; Dining Room; Family Room; Living Room; Master Bedroom Showing: ShowingTime Utilities: Public Sewer – Connected; Public Water – Connected

Room Information

Room Name	Level	Dimensions	Length	Width
Living Room		13.5 x 22.8	13.50	22.80
Dining Room		13.5 x 11.7	13.50	11.70
Family Room		16.3 x 13	16.30	13.00
Master Bedroom	First	21.5 x 23	21.50	23.00
Bedroom	Second	11.5 x 21	11.50	21.00
Bedroom	Second	10 x 21	10.00	21.00
Bonus Room			28.19
Bedroom	Second	14.2 x 21.3	14.20	21.30
Bonus Room	Second	18.6 x 27.3	18.60	27.30

Listing Office: SOUTHERN WAY REALTY, INC.

Last Updated: June – 06 – 2026

Information deemed reliable but not guaranteed.