Lot 6 HARDING AVENUE, CHIPLEY, FL, 32428
Active477 days on marketListed Apr 17, 2025MLS #OM699606
About this home
Lot 6 HARDING AVENUE
(1) OF (4) LOTS FOR SALE BY SAME SELLER IN THIS AREA. AFFORDABLE, 0.23 AC. LOT. This is unimproved land, zoned residential mixed use and inside the Sunny Hills Subdivision. This lot is buildable, deed restricted w/NO HOA with the ability to pull a building permit tied to the development of the roads and infrastructure to support a home. ETA of future development of this Unit #15 Section of Sunny Hills is unknown. So, buy this land as an investment with low taxes or buy all (4) lots and hold while the land improves in value. LAND IS THE GOLD COIN YOU CAN'T LOSE AND THEY ARE NOT MAKING ANY MORE OF IT.
Facts & features
The home at a glance
0.23 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.
$209 /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
$209/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 33% below 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
Krystina Allen
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about Lot 6 HARDING AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for Lot 6 HARDING AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
Lot 6 HARDING AVENUE FAQs
What would the monthly payment be for Lot 6 HARDING AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $209/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 Lot 6 HARDING AVENUE?+
The most recent tax bill on record (2024) was $4. 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 $7,725, this home is listed about 33% below the CHIPLEY 32428 median of $11,500. The market section on this page shows how the area is trending.
Which schools are assigned to Lot 6 HARDING AVENUE?+
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 REDI REAL ESTATE, LLC · Joseph Gallagher. MLS #OM699606.
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.