TBD JANET CIRCLE, CHIPLEY, FL, 32428
Active7 days on marketListed Jul 30, 2026MLS #O6429306
About this home
TBD JANET CIRCLE
Discover the perfect canvas for your Florida dream home or next investment project! This beautiful, spacious 0.37-acre wooded lot is located on Janet Cir in the established, peaceful community of Sunny Hills in Washington County. Boasting a generous parcel size, this property offers plenty of room to design a custom single-family site-built or modular home with ample backyard space. Situated just 15 miles south of downtown Chipley, you will enjoy a serene, country-style setting while remaining a short drive from local schools, shopping, and everyday conveniences. Outdoor enthusiasts will love the proximity to Falling Waters State Park, pristine area golf courses, and the region's famous crystal-clear springs, lakes, and rivers. Even better, you are just a 45-minute drive from the world-famous white sand beaches of Panama City Beach! Sunny Hills features an established central grid, making it an excellent up-and-coming area for builders and forward-thinking investors. Don't miss this affordable opportunity to secure your piece of the Sunshine State! Per US Water Services, water connection is available. Closing will take place using Title & Abstract Agency of America, Inc.
Facts & features
The home at a glance
0.37 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 39% 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about TBD JANET CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for TBD JANET CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
TBD JANET CIRCLE FAQs
What would the monthly payment be for TBD JANET 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 TBD JANET CIRCLE?+
The most recent tax bill on record (2025) was $119. 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 $16,000, this home is listed about 39% above the CHIPLEY 32428 median of $11,500. The market section on this page shows how the area is trending.
Which schools are assigned to TBD JANET 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 RADIUS REALTY GROUP LLC · Toni Xavier. MLS #O6429306.
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.