# Cynthia Way lot: 23, Chipley, FL 32428 > **TL;DR:** land, $35,000. Est. $187/mo. Listed 245 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $35,000 | | Lot Size | 44,431 sqft (1.02 acres) | | Property Type | Land (Other) | | Status | Active | | Days on Market | 245 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $177 | | Estimated Insurance | $10 | | **Total** | **$187** | ## Nearby Schools - **Elementary:** Vernon Elementary - **Middle:** Vernon - **High:** Vernon ## Property Highlights - 1.02 acre lot ## Description ### Agent Description 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. Adjacent Lot Available also available. ## Location - **Address:** Cynthia Way lot: 23, Chipley, FL 32428 - **County:** Washington - **Neighborhood:** Village Of Spanish Lakes - **Coordinates:** 30.537121, -85.668826 - **Google Maps:** https://www.google.com/maps?q=30.537121,-85.668826 ## Listing Agent - **Name:** Sheran Whitaker · **License:** 3005728 - **Brokerage:** New Town Realty, LLC - **Broker Phone:** (850) 535-0707 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/Cynthia-Way_Chipley_FL_32428_M52134-63083?f=listhub&s=BCARFL&m=786014&c=propsimple) ## Photos ![Cynthia Way lot: 23 - Photo 1](http://lh.rdcpix.com/220877a1f78a3d7d9a1ddea95b3b10d7l-f819955131r.jpg) ![Cynthia Way lot: 23 - Photo 2](http://lh.rdcpix.com/220877a1f78a3d7d9a1ddea95b3b10d7l-f2824216962r.jpg) ![Cynthia Way lot: 23 - Photo 3](http://lh.rdcpix.com/220877a1f78a3d7d9a1ddea95b3b10d7l-f4128272098r.jpg) ![Cynthia Way lot: 23 - Photo 4](http://lh.rdcpix.com/220877a1f78a3d7d9a1ddea95b3b10d7l-f1648749517r.jpg) --- **MLS#:** 786014 | **Updated:** 2026-10-20 **Source:** listhub *Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/cynthia-way-lot-23-chipley-fl-32428-df71085fac4d4dbcbf98f233013ef164) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/cynthia-way-lot-23-chipley-fl-32428-df71085fac4d4dbcbf98f233013ef164#listing", "url": "https://staging.propertysimple.ai/listing/cynthia-way-lot-23-chipley-fl-32428-df71085fac4d4dbcbf98f233013ef164", "name": "Cynthia Way lot: 23, Chipley, FL 32428", "description": "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. Adjacent Lot Available also available.", "image": [ "http://lh.rdcpix.com/220877a1f78a3d7d9a1ddea95b3b10d7l-f819955131r.jpg", "http://lh.rdcpix.com/220877a1f78a3d7d9a1ddea95b3b10d7l-f2824216962r.jpg", "http://lh.rdcpix.com/220877a1f78a3d7d9a1ddea95b3b10d7l-f4128272098r.jpg", "http://lh.rdcpix.com/220877a1f78a3d7d9a1ddea95b3b10d7l-f1648749517r.jpg" ], "primaryImageOfPage": { "@type": "ImageObject", "url": "http://lh.rdcpix.com/220877a1f78a3d7d9a1ddea95b3b10d7l-f819955131r.jpg", "caption": "Cynthia Way lot: 23 - Chipley, FL" }, "datePosted": "2026-02-28", "dateModified": "2026-10-20T17:36:30.609Z", "mainEntity": { "@type": "Place", "@id": "https://staging.propertysimple.ai/listing/cynthia-way-lot-23-chipley-fl-32428-df71085fac4d4dbcbf98f233013ef164#property", "name": "Cynthia Way lot: 23, Chipley, FL 32428", "address": { "@type": "PostalAddress", "streetAddress": "Cynthia Way lot: 23", "addressLocality": "Chipley", "addressRegion": "FL", "postalCode": "32428", "addressCountry": "US" }, "geo": { "@type": "GeoCoordinates", "latitude": 30.537121, "longitude": -85.668826 }, "image": [ "http://lh.rdcpix.com/220877a1f78a3d7d9a1ddea95b3b10d7l-f819955131r.jpg", "http://lh.rdcpix.com/220877a1f78a3d7d9a1ddea95b3b10d7l-f2824216962r.jpg", "http://lh.rdcpix.com/220877a1f78a3d7d9a1ddea95b3b10d7l-f4128272098r.jpg", "http://lh.rdcpix.com/220877a1f78a3d7d9a1ddea95b3b10d7l-f1648749517r.jpg" ], "identifier": { "@type": "PropertyValue", "propertyID": "MLS", "value": "786014" }, "additionalProperty": [ { "@type": "PropertyValue", "name": "Lot Size", "value": "1.02 acres" }, { "@type": "PropertyValue", "name": "Property Subtype", "value": "Other" }, { "@type": "PropertyValue", "name": "Property Type", "value": "Land" } ] }, "offers": { "@type": "Offer", "@id": "https://staging.propertysimple.ai/listing/cynthia-way-lot-23-chipley-fl-32428-df71085fac4d4dbcbf98f233013ef164#offer", "url": "https://staging.propertysimple.ai/listing/cynthia-way-lot-23-chipley-fl-32428-df71085fac4d4dbcbf98f233013ef164", "price": 35000, "priceCurrency": "USD", "businessFunction": "http://purl.org/goodrelations/v1#Sell", "availability": "https://schema.org/InStock", "seller": { "@id": "https://staging.propertysimple.ai/listing/cynthia-way-lot-23-chipley-fl-32428-df71085fac4d4dbcbf98f233013ef164#agent" } }, "provider": { "@type": "Person", "@id": "https://staging.propertysimple.ai/listing/cynthia-way-lot-23-chipley-fl-32428-df71085fac4d4dbcbf98f233013ef164#agent", "name": "Sheran Whitaker", "worksFor": { "@type": "Organization", "@id": "https://staging.propertysimple.ai/listing/cynthia-way-lot-23-chipley-fl-32428-df71085fac4d4dbcbf98f233013ef164#brokerage", "name": "New Town Realty, LLC", "telephone": "(850) 535-0707", "logo": { "@type": "ImageObject", "url": "http://lh.rdcpix.com/dbddf9f1a76811e099a000219b994c72k-c2811989768r.png" } } } } ```