HEMLOCK CIRCLE, CHIPLEY, FL, 32428
Active108 days on marketListed Apr 7, 2026MLS #O6396935
About this home
HEMLOCK CIRCLE
Opportunity awaits on this .34-acre lot in the peaceful community of Sunny Hills. Situated on a quiet street, this property offers no HOA restrictions and is not located in a flood zone, providing freedom and peace of mind for your dream home or future investment. Enjoy the relaxed Florida lifestyle with easy access to local conveniences, shopping, and dining, as well as outdoor recreation including parks, trails, and golf courses. Whether you’re planning new construction or holding for appreciation, this lot offers excellent investment potential in a growing, welcoming neighborhood. Perfect for creating your ideal home or building a long-term asset. Two prime lots in Chipley offered as a package deal, including Hemlock Cir and Windbrook St. Ideal for builders, developers, or long-term investors. Call now to secure your opportunity!
Facts & features
The home at a glance
0.34 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.
$271 /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
$271/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.
Where it sits
Inside CHIPLEY 32428
CHIPLEY 32428 — neighborhood snapshot
Population
18,015
Median age
40.9
Median income
$52,234
Median home value
$157,900
Avg household
2.42
Households w/ children
2,053
For the school run
Washington County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The CHIPLEY 32428 market
This home is listed 51% above the CHIPLEY 32428 median.
Paper trail
This home's history
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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about HEMLOCK CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for HEMLOCK CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
HEMLOCK CIRCLE FAQs
What would the monthly payment be for HEMLOCK CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $271/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 HEMLOCK CIRCLE?+
The most recent tax bill on record (2025) was $124. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in CHIPLEY 32428?+
At $15,900, this home is listed about 51% above the CHIPLEY 32428 median of $10,500. The market section on this page shows how the area is trending.
Which schools are assigned to HEMLOCK CIRCLE?+
Vernon High School (high), Vernon Middle School (middle), Vernon Elementary School (elementary), Chipley High School (high), Roulhac Middle School (middle), Kate M. Smith Elementary School (elementary) — Washington County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of VYLLA HOME · Jennifer Vilayvong. MLS #O6396935.
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 Stellar MLS.