978 JOINER ROAD, CHIPLEY, FL, 32428
Active30 days on marketListed Jun 25, 2026MLS #OM727329
About this home
978 JOINER ROAD
Beautiful 34.5-acre property offering the perfect blend of privacy, space, and opportunity with paved road frontage. This partially fenced parcel features an existing well, septic system, electric service, and RV being conveyed as is, with no warranties. Whether you're looking to build your dream home, establish a farm or ranch, create a recreational retreat, or invest for the future, this property provides endless possibilities. Enjoy peaceful country living with ample room for horses, livestock, gardens, and outdoor recreation. Ideally located by Falling Waters State Park and less than 4 miles from Super Walmart, I-10, medical facilities, shopping, schools, and everyday conveniences. Tallahassee and Panama City are both within easy driving distance, offering the perfect balance of rural tranquility and city accessibility. Build now and enjoy the freedom of owning your own piece of Florida countryside. Opportunities like this are becoming increasingly rare—don't miss it!
Facts & features
The home at a glance
34.5 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.
$1,336 /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
$1,336/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 1662% 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
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 978 JOINER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 978 JOINER ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
978 JOINER ROAD FAQs
What would the monthly payment be for 978 JOINER ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,336/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 978 JOINER ROAD?+
The most recent tax bill on record (2025) was $65. 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 $185,000, this home is listed about 1662% 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 978 JOINER ROAD?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$185,000 runs 1662% above the CHIPLEY 32428 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $225,000, now $185,000 — a $40K cut. The full history is in the market section below.
Listing courtesy of CB/ELLISON RLTY WEST · Jay Guberman. MLS #OM727329.
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.