656 4th St, Chipley, FL 32428
Property image
Property image
FOR SALE
0.28 ACRES

656 4th St
Chipley, FL 32428

  • 4 Beds
  • 3.5 Baths
  • 3,494 sqft (on 0.28 acres)

$348,999

Original price: $349,999
Est. Mortgage $2,281/mo*
Get Pre-Qualified

$348,999

Original price: $349,999
Est. Mortgage $2,281/mo*
Get Pre-Qualified
4 Beds
3.5 Baths
3,494 sqft
(on 0.28 acres)

Home Highlights

Outdoor
Porch
Price/Sqft
$100
Climate Control
Central, Fireplace & Central Air
Listed
118 days ago

Local Information

  • Map ViewExplore the area around 656 4th St.
  • Schools1 Preschool School4 Elementary Schools4 Middle Schools4 High Schools
  • Shop & Eat
-- mins to
Commute Destination

About this House

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 28x19 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. **Motivated Sellers**
Last check for updates: about 6 hours ago
Listing courtesy of Seamus J O'neill, (850) 260-5851
SOUTHERN WAY REALTY, INC.
Originating MLS: Central Panhandle Association of REALTORS
Source: CPAR, MLS#788906
Also Listed on CPAR.

Home Details for 656 4th St

Interior Features

Interior Details
Number of Rooms: 9Types of Rooms: Master Bedroom, Bedroom, Bonus Room, Dining Room, Family Room, Living Room
Beds & Baths
Number of Bedrooms: 4Number of Bathrooms: 4Number of Bathrooms (full): 3Number of Bathrooms (half): 1
Appliances & Utilities
Appliances: Electric Cooktop, Electric Oven
Heating & Cooling
Heating: Central,Fireplace(s)Has CoolingAir Conditioning: Central Air,Multi UnitsHas HeatingHeating Fuel: Central
Fireplace & Spa
Has a Fireplace

Exterior Features

Exterior Home Features
Roof: Composition ShinglePatio / Porch: Covered, PorchFencing: Fenced
Parking & Garage
No GarageNo Attached Garage
Frontage
Not on Waterfront
Water & Sewer
Sewer: Public Sewer

Days on Market

Cumulative Days on Market: 89Days on Market: 118

Property Information

Year Built
Year Built: 1930
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceArchitecture: Other
Building
Construction Materials: BrickNot a New Construction
Property Information
Parcel Number: 000000000015960000

Price & Status

Price
List Price: $348,999Price Per Sqft: $100

Active Status

MLS Status: Active

Location

Direction & Address
City: ChipleyCommunity: [No Recorded Subdiv]

Agent Information

Listing Agent
Listing ID: 788906

Building

Building Area
Building Area: 3494 Square Feet

HOA

Association for this Listing: Central Panhandle Association of REALTORSNo HOA

Lot Information

Lot Area: 0.28 acres

Rental Terms, Policies & Fees

Are Units Furnished: None

Miscellaneous

Mls Number: 788906Living Area Range Units: Square FeetAbove Grade Unfinished Area Units: Square FeetBelow Grade Unfinished Area Units: Square FeetUniversal Property Id: US-12133-N-000000000015960000-R-N

Around this home

What Locals Say about Chipley

At least 24 Trulia users voted on each feature.

  • 92 % Say yards are well-kept

  • 88 % Say car is needed

  • 86 % Say parking is easy

  • 86 % Say there's holiday spirit

  • 83 % Say it's quiet

  • 64 % Say people would walk alone at night

  • 62 % Say it's dog friendly

  • 55 % Say kids play outside

  • 53 % Say there's wildlife

  • 51 % Say neighbors are friendly

  • 50 % Say there are sidewalks

  • 48 % Say they plan to stay for at least 5 years

  • 41 % Say it's walkable to grocery stores

  • 34 % Say streets are well-lit

  • 31 % Say it's walkable to restaurants

  • 29 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.
  • Merissa Woods
    "I don’t have a neighborhood I live out in the woods, but Chipley itself is very good for dogs and walking dogs in the sidewalks and the capabilities of doing that. "
    0
    Flag
  • Mandi W.
    "golf course, ponds, lakes, dirt roads, Halloween tons of tricker treating. keep main grass area cut. looks very homie"
    0
    Flag
  • Carol
    "I have lived in this neighborhood for three years. Our neighbors seem to be very nice. There is government housing down the road and a lot of people walk up and down the sidewalks. All seem to be nice. "
    1
    Flag
  • Tonya G. H.
    "if you like a country feel but still belong to a community this is the place. Woods and ponds to explore but also have neighbors and community functions. "
    0
    Flag
  • Kayla H.
    "Home town feeling wether it is your home town or not. Your neighbor is my neighbor. If you ever need a helping hand just reach out they are everywhere here."
    0
    Flag
  • Dafuss39
    "I live at the end of the road on the lake with traffic no trick-or-treaters and no visitors very safe neighborhood"
    1
    Flag
  • Troyrackley
    "This area is a great place to walk your dog. Courteous neighbors, friendly passers-by, and a lovely area overall. I would highly recommend living here. "
    0
    Flag
  • Wanda S.
    "It's okay, it's a long way to town, but you get used to it. We have a general store, a volunteer fire department, a library, and a Baptist Mission. We are also surrounded by nearby churches in neighboring areas. We have a fresh spring lake nearby, great for camping and cookouts if you have an ATV. Dependable transportation is a MUST. Military Retirees especially welcome. I'm a vet, and would LOVE some friendly, Christ Loving Peers. Must Love Animals (4 legged types.) i'm at 537. Come on by."
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  • Peaden
    "Great hunting, fishing, swimming, golfing. Very quiet area. Low crime. 35 miles to beaches. "
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    Flag

Market trends in Chipley

Last updated July 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
—
Sale-to-List Price
—
Price per sq ft
—
Available listings
111
1MoM

Home Value

Trulia Estimate
$340K
Since last month
Increased$2K (+0.6%)
Since last year
Decreased$20K (-5.6%)
Since last sale
Increased$110K (+48%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value increased by +93% in the last 10 years
MonthEstimated value
2026
August 2026$340K
July 2026$338K
June 2026$376K
May 2026$386K
April 2026$397K
March 2026$345K
February 2026$327K
January 2026$312K
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
1224 Church Ave, Chipley, FL
0.39
Single-Family Home
$264,900
12/11/25
4
3
2,762
1314 Coggin Ave, Chipley, FL
0.19
Single-Family Home
$205,000
04/09/26
3
2
1,724
1309 Church Ave, Chipley, FL
0.07
Single-Family Home
$199,500
07/31/26
2
2
1,064
873 Main St, Chipley, FL
0.34
Single-Family Home
$194,900
06/10/26
4
2
2,114
613 N Pear St, Chipley, FL
0.41
Single-Family Home
$189,150
08/11/26
4
2
1,320
632 Main St, Chipley, FL
0.51
Single-Family Home
$260,000
12/19/25
4
2
2,684
1380 Watts Ave, Chipley, FL
0.34
Single-Family Home
$199,900
04/17/26
3
2
1,480
1331 Coggin Ave, Chipley, FL
0.20
Single-Family Home
$180,000
05/05/26
3
1
1,316
1342 Old Bonifay Rd, Chipley, FL
0.37
Single-Family Home
$130,000
10/10/25
3
2.5
1,896
1322 Coggin Ave, Chipley, FL
0.20
Single-Family Home
$158,000
12/15/25
2
1
1,383

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
1305 Church Ave, Chipley, FL 32428
0.06
$749,900
7
4.5
5,899
For Sale
1309 Church Ave, Chipley, FL 32428
0.07
$199,500
2
2
1,064
Recently Sold
1313 Church Ave, Chipley, FL 32428
0.09
$241,300
2
1
1,464
Off Market
643 5th St, Chipley, FL 32428
0.13
$193,000
2
1
1,283
Off Market
676 3rd St, Chipley, FL 32428
0.11
$282,900
4
3
2,527
Off Market
768 Main St, Chipley, FL 32428
0.14
$189,000
4
2
2,299
For Sale
678 3rd St, Chipley, FL 32428
0.13
$192,800
2
1
1,276
Off Market
4 Olive Pl, Chipley, FL 32428
0.16
-
-
-
-
Off Market
781 Main St, Chipley, FL 32428
0.17
$155,900
3
2
1,938
Off Market
1311 Coggin Ave, Chipley, FL 32428
0.15
$210,400
3
2
1,533
Off Market
700 2nd St, Chipley, FL 32428
0.17
$450,000
4
3.5
3,745
For Sale

Price and Tax history

DateEventPrice
Jul 23, 2026
Source: CPAR #788906
PriceChange
$348,999
Price decreased by 0%
Jul 6, 2026
Source: CPAR #788906
PriceChange
$349,999
Price decreased by 10%
Jun 18, 2026
Source: CPAR #788906
PriceChange
$389,999
Price decreased by 1%
Jun 6, 2026
Source: CPAR #788906
PriceChange
$394,999
Price decreased by 1%
Apr 25, 2026
Source: CPAR #788906
Listed For Sale
$399,999

LGBTQ Local Legal Protections

Seamus J O'neill, SOUTHERN WAY REALTY, INC.
Agent Phone: (850) 260-5851
IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS.

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Frequently asked questions about 656 4th St

  • What is the estimated monthly payment for 656 4th St?
    Based on a $348,999 list price with 20% down at today's rates, the estimated monthly payment for 656 4th St in Chipley, FL is approximately $2,315 (about $1,815 principal & interest, $425 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
  • What do residents say about Chipley?
    Residents describe Chipley, FL as well-kept, easy to park in, and quiet. Most residents say you need a car. See homes for sale in Chipley, FL.
  • What are the closest schools to 656 4th St?
    The closest schools to 656 4th St in Chipley, FL are Chipley High School (rated 4/10), Kate M. Smith Elementary School (rated 4/10), Roulhac Middle School (rated 7/10).
  • What is 656 4th St estimated to be worth?
    Trulia's estimated value for 656 4th St in Chipley, FL is $340,400.
  • Does 656 4th St have air conditioning?
    Yes, 656 4th St in Chipley, FL has air conditioning.
  • Does 656 4th St have a yard?
    Yes, 656 4th St in Chipley, FL has a yard.
656 4th St, Chipley, FL 32428 is a 4 bedroom, 4 bathroom, 3,494 sqft single-family home built in 1930. This property is currently available for sale and was listed by CPAR on Apr 25, 2026. The MLS # for this home is MLS# 788906.