Set on a spacious 1-acre lot, this 3-bedroom, 1.5-bath home, built in 1975, offers timeless character with endless potential. The home carries a classic 70s charm, providing the perfect canvas for modern aesthetic updates to truly make it your own. A two-car garage adds convenience, while the generous lot size allows plenty of room for expansion, outdoor living, or future customization. With thoughtful interior modernizing, this property has all the ingredients to become a true forever home. Ideally located just outside the Chipley city limits, this property offers the peace of country-style living while remaining close to everyday conveniences. Enjoy easy access to Chipley, a straightforward drive to Panama City, and convenient proximity to Bonifay, making this a great option for those seeking space without sacrificing connectivity. Whether you’re looking to renovate, personalize, or invest in long-term potential, this home delivers opportunity, flexibility, and a setting that invites vision and growth.
For sale
$170,000
3228 Gainer Rd, Chipley, FL 32428
3beds
1,368sqft
Est.:
Single Family Residence
Built in 1975
1 Acres Lot
$-- Zestimate®
$124/sqft
$-- HOA
What's special
Two-car garage
- 60 days |
- 1,358 |
- 54 |
Zillow last checked: 7 hours ago
Listing updated: March 04, 2026 at 07:27pm
Listed by:
Elaijuah Staten 850-658-4947,
KELLER WILLIAMS REALTY GULF COAST
Source: PAR,MLS#: 677003
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Dining room
- Level: First
- Area: 312
- Dimensions: 26 x 12
Kitchen
- Level: First
- Area: 260
- Dimensions: 26 x 10
Heating
- Central
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Electric Water Heater
Features
- Flooring: Carpet
- Has basement: No
Interior area
- Total structure area: 1,368
- Total interior livable area: 1,368 sqft
Property
Parking
- Total spaces: 2
- Parking features: 2 Car Garage
- Garage spaces: 2
Features
- Levels: One
- Stories: 1
- Pool features: None
Lot
- Size: 1 Acres
- Features: Central Access
Details
- Parcel number: 000000000006920003
- Zoning description: Res Single
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Brick
- Foundation: Slab
- Roof: Shingle
Condition
- Resale
- New construction: No
- Year built: 1975
Utilities & green energy
- Electric: Copper Wiring
- Sewer: Septic Tank
Community & HOA
Community
- Subdivision: None
HOA
- Has HOA: No
Location
- Region: Chipley
Financial & listing details
- Price per square foot: $124/sqft
- Tax assessed value: $111,478
- Price range: $170K - $170K
- Date on market: 2/9/2026
- Cumulative days on market: 60 days
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 2/9/2026 | Listed for sale | $170,000+611.8%$124/sqft |
Source:  PAR #677003 Report a problem | ||
| 10/1/1995 | Sold | $23,882$17/sqft |
Source: Agent Provided Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | -- | $58,949 +2.9% |
| 2024 | $135 +2.7% | $57,288 +3% |
| 2023 | $132 -11.9% | $55,619 +3% |
| 2022 | $150 -1.2% | $53,999 +3% |
| 2021 | $151 | $52,426 +1.4% |
| 2020 | -- | $51,702 +2.3% |
| 2019 | -- | $50,540 +1.9% |
| 2018 | $152 -1.4% | $49,598 +2.1% |
| 2017 | $155 | $48,578 -0.3% |
| 2016 | $155 -42.2% | $48,736 +17% |
| 2015 | $267 | $41,644 +0.8% |
| 2014 | -- | $41,313 +1.5% |
| 2013 | -- | $40,702 +1.7% |
| 2012 | -- | $40,022 +3% |
| 2011 | -- | $38,856 +1.5% |
| 2010 | -- | $38,282 +2.7% |
| 2009 | -- | $37,276 +0.1% |
| 2008 | -- | $37,239 +3% |
| 2007 | -- | $36,154 +5.6% |
| 2005 | -- | $34,245 +3% |
| 2004 | -- | $33,248 +1.9% |
| 2003 | -- | $32,628 -15.2% |
| 2002 | -- | $38,467 +1.6% |
| 2001 | -- | $37,861 +3.4% |
| 2000 | -- | $36,632 |
Find assessor info on the county website
Monthly payment
Est. payment
$1,081/mo
Principal & interest
$874
Property taxes
$207
More affordability tools
Climate risks
Neighborhood: 32428
Nearby schools
GreatSchools rating
- 4/10Kate M. Smith Elementary SchoolGrades: PK-5Distance: 6.9 mi
- 7/10Roulhac Middle SchoolGrades: 6-8Distance: 6.3 mi
- 3/10Chipley High SchoolGrades: 9-12Distance: 6.3 mi
Schools provided by the listing agent
- Elementary: Local School In County
- Middle: LOCAL SCHOOL IN COUNTY
- High: Local School In County
Source: PAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
Local experts in 32428
- Florida
- Washington County
- Chipley
- 32428
- 3228 Gainer Rd
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