0 Stewart Lake Road, FL 32428, FL, 32428
Active34 days on marketListed Jul 7, 2026MLS #B26049683
About this home
0 Stewart Lake Road, FL 32428
Seize the opportunity to own this pristine 1.01-acre wooded lot in a non-HOA community in Chipley. This high-and-dry land, zoned RL for Residential, opens the door to countless off-the-grid building possibilities. Enjoy direct road access via a county-maintained dirt road, making it easy to develop your dream home or getaway retreat. Imagine building a charming single-family home, a mobile home, a cozy tiny home, or a lucrative short-term vacation rental. You can even bring in a mobile home! Please note that some RV restrictions apply; please review the attached documents for details. Well and septic systems are required. Power poles on the road; lines would need to be run, or an alternative power source used, which will add to the property's self-sufficient charm. Situated only an hour from the vibrant cities of Destin and Panama City Beach, this location offers the best of both worlds' peaceful seclusion and urban conveniences. Plus, you'll be just minutes away from exciting attractions, including Cypress Springs and Morrison Springs County Park. Don't miss out on this incredible opportunity to create your own slice of paradise!
Facts & features
The home at a glance
1.01 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$359 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$359/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 0 Stewart Lake Road — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 0 Stewart Lake Road — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
0 Stewart Lake Road FAQs
What would the monthly payment be for 0 Stewart Lake Road, FL 32428?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $359/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 0 Stewart Lake Road, FL 32428?+
The most recent tax bill on record (2025) was $186. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
IDX information is provided exclusively for consumers’ personal, non-commercial use and 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 Miami Association of REALTORS®.