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$399,999 Just Listed
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Property Description
Step into timeless character with thoughtful modern updates in this well-maintained historic home, now ready for its next chapter. Offering over 4,200 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.
Full Property Details
Full Property Details for 656 4th St
General
- Price: $399,999
- Status: Active
- Type: Single Family
- Source: Bay_County
- MLS ID: 788906
- Updated: Today (4/25/2026)
- Added to Site: Today
Interior
- Number of Rooms: 7
- Fireplace: Yes
- Appliances: Electric Cooktop, Electric Oven
Rooms
Bathrooms
- Total Bathrooms: 4
- Full Bathrooms: 3
- Half Bathrooms: 1
Bedrooms
- Total Bedrooms: 4
Exterior
- Porch/Patio/Deck: Covered, Porch
Location
- County: Washington
- Subdivision: [No Recorded Subdiv]
- Driving 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.
Community
- Community Name: 10 - Washington County
Heating & Cooling
- Central air: Yes
- Air Conditioning: Yes
- Cooling Type: Central Air, Multi Units
- Heating Type: Central, Fireplace(s)
Utilities
- Sewer: Public Sewer
Structural Information
- Architectural Style: Other
- Construction: Brick
- Roof: Composition, Shingle
- Sq. Ft. Source: Listing Agent
- Year Built: 1930
Lot Features
- Lot Size (Acres): 0.28
- Lot Size (Sq. Ft.): 12,327
- Lot Size: .28
- Lot Dimensions: 153 x 82 x 149 x 76
- Lot Features: Paved
- Fencing (Description): Fenced
Disclosures and Reports
- 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,
- Property ID: 00000000-00-1596-0000
Listed by Southern Way Realty, Inc.
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Schools
Schools serving 656 4th St
School District:Washington County School District, Vernon, FL
| Name | Grades | Distance |
|---|---|---|
Washington Virtual Instruction Program 652 3rd Street, Chipley, FL 32428 | K-12 | 0.1 mi |
Washington Virtual Franchise 753 West Boulevard, Chipley, FL 32428 | 6-12 | 0.7 mi |
Kate M. Smith Elementary School 1447 South Boulevard, Chipley, FL 32428 | PK-4 | 1 mi |
Roulhac Middle School 1535 Brickyard Road, Chipley, FL 32428 | 5-8 | 1.6 mi |
Vernon Middle School 3190 Moss Hill Road, Vernon, FL 32462 | 5-8 | 14.9 mi |
Chipley High School 1545 Brickyard Road, Chipley, FL 32428 | 9-12 | 1.6 mi |
Vernon High School 3232 Moss Hill Road, Vernon, FL 32462 | 9-12 | 15 mi |
Vernon Elementary School, Vernon, FL 3665 Roche Avenue, Vernon, FL 32462 | PK-4 | 14.5 mi |
Disclaimer:
School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 656 4th St
Date
Details
Price
Change
Source
4/25/2026
Listed
$399,999
73.91%
MLS
3/23/2023
Sold
$230,000
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 656 4th St
Year
Property Taxes
Change
Tax Assessment
Change
2025
-100%
$290,440
3%
2024
$4,718
-2%
$282,255
13%
2023
$4,799
21%
$249,489
33%
2021
$3,959
-10%
$187,412
-17%
2022
$4,379
11%
$225,444
83%
2021
$3,959
136%
$123,324
2%
2019
$1,674
—
$120,551
2%
2018
$1,669
—
$118,303
2%
2017
$1,665
2%
$115,870
2%
2016
$1,637
-1%
$113,487
1%
2015
$1,647
1%
$112,698
1%
2014
$1,638
7%
$111,804
1%
2013
$1,530
—
$110,152
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 656 4th St
656 4th Street, Chipley, FL 32428 (MLS# 788906) is a Single Family property with 4 bedrooms, 3 full bathrooms and 1 partial bathroom. 656 4th Street is currently listed for $399,999 and was received on April 25, 2026. Want to learn more about 656 4th Street? Do you have questions about finding other Single Family real estate for sale in Chipley? You can browse all Chipley real estate or contact a Coldwell Banker agent to request more information.

