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22 Cynthia Way #LOT, Chipley, FL 32428

$35,000

Discover the perfect blend of privacy, freedom, and convenience with this beautiful 1-acre wooded homesite located in a peaceful, well-kept area with paved road access. This property offers flexibility rarely found today -- no HOA, no build timeframe, and site-built homes only with a minimum of 1600 sq ft. (No mobile homes permitted.) Owner financing is available, making it even easier to secure your future homesite or investment. Enjoy the quiet of nature while staying close to everything you need. You'll have easy access to nearby towns, schools, and essential services, making this an ideal choice for full-time living or a future getaway. Outdoor lovers will appreciate being just minutes from Holmes Creek, known for its crystal-clear waters perfect for canoeing, kayaking, swimming, and exploring. Lucas Lake is also nearby, offering excellent opportunities for water skiing, boating, and fishing. When you're ready for coastal fun, it's only a short drive to Panama City Beach, where you'll find endless activities, world-class beaches, shopping, dining, and entertainment. Whether you plan to build now or hold for the future, this property delivers natural beauty, location convenience, and flexible ownership options -- a rare combination in Florida's Panhandle. Additional Lot Available adjacent to this parcel.

Highlights

  • Land
  • 1.05 Acre Lot
  • 253 days on Market


  • Acres
    1.05

  • Area
    10 - Washington County
  • County
    Washington
  • City
    Chipley
  • Neighborhood
    Village Of Spanish Lakes
  • Zip Code
    32428
  • High School
    Vernon
  • Middle School
    Vernon
  • Elementary School
    Vernon Elementary

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Frequently Asked Questions

How do I schedule a tour of 22 Cynthia Way #LOT?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 22 Cynthia Way #LOT.

They know lands in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 22 Cynthia Way #LOT?

Click Ask a Question to talk with our team. You already know it is a N/A bed, N/A bath, listed for $35,000. We can talk through recent upgrades, potential seller motivation, how this land compares to others in Chipley, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 22 Cynthia Way #LOT?

With a 20% down payment and a 30-year fixed loan at an illustrative 6.75% rate, the ez Mortgage Calculator estimates the monthly payment for 22 Cynthia Way #LOT at around $219. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 22 Cynthia Way #LOT?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Washington County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 22 Cynthia Way #LOT?

In most cases, yes. Whether 22 Cynthia Way #LOT is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Chipley's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 22 Cynthia Way #LOT?

We can handle that for you. Our preferred local agent specializes in lands in Chipley and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

How long has this property been on the market?

22 Cynthia Way #LOT was listed on February 28, 2026, which means it's been on the market for 253 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

What is the lot size of this property?

22 Cynthia Way #LOT sits on a 1.05-acre lot, which is 45,738 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: Vernon Elementary
  • Middle: Vernon
  • High: Vernon

Want to see how these schools compare? Check out our Washington County School Guide to see ratings, reviews, and more for the schools in the area.

What are the property taxes for 22 Cynthia Way #LOT?

The most recent public record shows annual property taxes for 22 Cynthia Way #LOT were approximately $345. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is 22 Cynthia Way #LOT still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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Listing information 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. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Central Panhandle Association of REALTORS. All rights reserved.

Last Updated: November 08, 2026 at 06:25AM | Source: Central Panhandle Association of REALTORS | MLS#: 786013