# Hwy 77, Chipley, FL 32428

> **TL;DR:** land, $375,000.
> Waterfront, View. Est. $2,005/mo. Listed 26 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $375,000 |
| Lot Size | 838,094 sqft (19.24 acres) |
| Property Type | Land (Other) |
| Status | Active |
| Days on Market | 26 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed
- **Views** - Lake

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,896 |
| Estimated Insurance | $109 |
| **Total** | **$2,005** |

## Key Amenities

- Waterfront
- View

## Property Highlights

- 19.24 acre lot
- Waterfront

## Description

### Agent Description
Discover your private retreat on almost 20 acres of elevated vacant land in Chipley, Florida--perfect for building your dream single-family home. This exceptional property offers 300 feet of lake frontage on River Lakes plus a private pond, combining waterfront recreation with true seclusion. Nestled among scrub oaks and mature oaks, the property delivers natural beauty, privacy, and elevated and/or wooded sites ideal for a custom home. Aerial video available! Conveniently located on Highway 77, just 1 mile north of Highway 20 and north of Panama City, it provides easy access while remaining in a quiet, rural area. The elevated terrain sits outside flood zones and offers the potential for scenic views, making it well-suited for a primary residence or weekend getaway. Picture a thoughtfully placed cabin, barndo, or traditional home surrounded by mature trees, with the private pond nearby for fishing, kayaking, or peaceful evenings, and direct lake access for additional water activities. The generous acreage allows room for outbuildings, gardens, trails, or simply open space while maintaining a sense of privacy. ATV's, mountain bikes, hiking, the possibilities are endless! Whether you envision a modern custom home or a classic country residence, this property provides the space, elevation, water features, and natural setting to bring your plans to life in Northwest Florida. Only 20 minutes to Lynn Haven, with public boat launches (Gulf Access), shopping, dining, and a multitude of other parks. 20 Miles to Panama City, 30 Miles to Pier Park in Panama City Beach, and 25 minutes to I-10. Only 10 minutes to Pitt and Sylvan Springs, a beautiful oasis of crystal clear spring water. This property is two parcels, (14.62 Acres & 4.62 Acres) and each is available separately. This listing includes both parcels for nearly 20 acres. Contact us today to schedule a private showing and explore the possibilities of building your forever home here.

## Location

- **Address:** Hwy 77, Chipley, FL 32428
- **County:** Washington
- **Neighborhood:** [No Recorded Subdiv]
- **Coordinates:** 30.448586, -85.687476
- **Google Maps:** https://www.google.com/maps?q=30.448586,-85.687476

## Listing Agent

- **Name:** Dennis Nelson · **License:** BK3379289
- **Brokerage:** Keller Williams Success Realty
- **Broker Phone:** (850) 249-0313
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/Highway-77_Chipley_FL_32428_M90883-27599?f=listhub&s=BCARFL&m=796621&c=propsimple)

## Photos

![Hwy 77 - Photo 1](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f537479088r.jpg)

![Hwy 77 - Photo 2](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f624131722r.jpg)

![Hwy 77 - Photo 3](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f1163837315r.jpg)

![Hwy 77 - Photo 4](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f305072493r.jpg)

![Hwy 77 - Photo 5](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f1337019706r.jpg)

![Hwy 77 - Photo 6](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f2637772431r.jpg)

![Hwy 77 - Photo 7](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f1976440436r.jpg)

![Hwy 77 - Photo 8](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f4064145122r.jpg)

![Hwy 77 - Photo 9](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f2208680212r.jpg)

![Hwy 77 - Photo 10](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f3959837195r.jpg)

![Hwy 77 - Photo 11](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f251024967r.jpg)

![Hwy 77 - Photo 12](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f552279618r.jpg)

![Hwy 77 - Photo 13](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f3240122984r.jpg)

![Hwy 77 - Photo 14](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f3423564808r.jpg)

![Hwy 77 - Photo 15](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f2841817882r.jpg)

![Hwy 77 - Photo 16](http://lh.rdcpix.com/ec93abf21e7b90172f17c533d1b11935l-f3524242364r.jpg)

---

**MLS#:** 796621 | **Updated:** 2026-10-27
**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/hwy-77-chipley-fl-32428-b64dee6cd8154d39ba4524a83a34f7ad)

---

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