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BUYER INCENTIVE! Seller is offering up to $10,000 toward buyer's closing costs, interest rate buy-down, and/or prepaid expenses with an acceptable offer. Welcome to The Fourth Street House, a beautiful historic home in the heart of downtown Chipley where timeless character, generous living spaces, and thoughtful modern improvements come together in a home unlike anything being built today. Offering more than 3,400 square feet with 4 bedrooms and 3.5 baths, this home has the charm and personality historic-home buyers love--while many of the costly updates today's buyers worry about have already been completed. Recent improvements include three new HVAC units, new hot water heaters, blown-in insulation, new main-level LVP flooring, quartz countertops, updated appliances, and a newer roof approximately four years old. The main level was made for both everyday living and entertaining. A formal dining room provides a beautiful setting for gatherings, while the spacious family room features a wood-burning fireplace and flows into the breakfast nook and updated kitchen. Quartz countertops, updated appliances, a Wi-Fi-capable oven, and a newly added butler's pantry provide abundant prep space and storage. Fresh paint and carefully selected wallpaper complement the home's historic character throughout. Also on the main floor is a generously sized primary suite with an ensuite bath and walk-in closet, offering the convenience of main-level living. Upstairs, you'll find two spacious guest bedrooms, a full bath, and abundant storage. One of the property's most unique features is the attached secondary living space with its own private exterior entrance. Plumbing and electrical are already in place for a future kitchen, with additional space designed to accommodate a living area, bedroom, and full bath. Finish it to suit your needs as a private guest suite, multigenerational living space, home office, studio, or additional living quarters. Above it, an impressive 28' x 19' bonus room creates even more possibilities. And then there's the location. Situated in the heart of downtown Chipley, The Fourth Street House puts restaurants, shops, banks, and everyday conveniences within walking distance while offering the space and character of a substantial historic residence. This is more than square footage and bedrooms. It's a home with a history, significant improvements already completed, room to make it your own, and possibilities that are increasingly difficult to find. The history is already here. The major updates have been made. The Fourth Street House is ready for its next chapter. **Motivated Sellers**

Highlights

  • Residential
  • Single Family Residence
  • Built in 1930
  • 0.28 Acre Lot
  • 196 days on Market

  • Bedrooms
    4
  • Bathrooms
    3 full · 1 half
  • Year Built
    1930
  • Architectural Style
    Other
  • Construction Materials
    Brick
  • Appliances
    Electric Oven, Electric Cooktop
  • Patio And Porch
    Covered, Porch
  • Cooling
    Central Air, Multi Units
  • Heating
    Fireplace(s), Central

  • Acres
    0.28
  • Lot Features
    Paved


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Frequently Asked Questions

How do I schedule a tour of 656 4th St?

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 656 4th St.

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

How do I get more information about 656 4th St?

Click Ask a Question to talk with our team. You already know it is a 4 bed, 3 bath, listed for $319,999. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Chipley, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 656 4th St?

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 656 4th St at around $1,735. 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 656 4th St?

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 656 4th St?

In most cases, yes. Whether 656 4th St 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 656 4th St?

We can handle that for you. Our preferred local agent specializes in residentials 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.

What is the price per square foot for this home?

This home is listed at $319,999 with 3,494 sqft of space—that comes out to approximately $92 per square foot.

How long has this property been on the market?

656 4th St was listed on April 25, 2026, which means it's been on the market for 196 days.

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

When was this house built?

This home was built in 1930, making it approximately 96 years old.

What is the lot size of this property?

656 4th St sits on a 0.28-acre lot, which is 12,197 square feet.

Is 656 4th St 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 07, 2026 at 07:03AM | Source: Central Panhandle Association of REALTORS | MLS#: 788906