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1000 Oswald Road, Chipley, FL 32428

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For Sale

$279,999

3 beds • 3 baths • 1,845 sqft

Estimated Payment

$ 1,504 /mo. †

6.65% APR for 30 yrs.
$793 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $151.76
    Price per square foot

  • Over 50 Years Old
    Age

  • Fireplace
    Heating System

Explore this Property

Welcome to this ranch-style retreat, a 3-bedroom, 3-bathroom home nestled on 3 acres of beautiful countryside. This property features not one, but two master bedrooms, each with en suites, providing plenty of privacy and comfort.Step out back into the spacious Florida room, perfect for enjoying tranquil mornings or cozy evenings. The screened porch overlooks a vast backyard adorned with beautiful trees, ideal for relaxing and watching the wildlife such as deer or entertaining guests. With ample outdoor space, it's perfect for hosting weddings, birthday parties, and gatherings. Kids can ride ATVs around the property, and the paved driveway is perfect for basketball games.The heart of the home is the large kitchen, featuring custom cabinetry that offers plenty of space for culinary creations while overlooking the cozy living room, complete with a wood-burning fireplace. Additional highlights include an indoor laundry room, a versatile office with built-ins or a dining room, metal roof, and a welcoming front patio area.An outbuilding provides extra storage for all your outdoor essentials, and with unrestricted land, you can easily bring all your animals and cultivate a garden. Located at the end of a dead-end street just off Highway 277, this retreat offers the perfect balance of seclusion and convenience, with quick access to the heart of Chipley and less than an hour from Panama City Beach. Embrace a lifestyle of freedom and enjoyment on this property!
MLS# 764167

Courtesy Of Elite Realty

(850) 638-0370

Property Features

  • Age
    Over 50 Years Old
  • Amenities
    Porch, Ceiling Fan
  • Appliances
    Cooktop, Dryer, Microwave, Oven, Refrigerator
  • Architecture Style
    Ranch
  • Cooling System
    Ceiling Fan(s)
  • Exterior Type
    Brick
  • Fireplace
    Fireplace
  • Heating System
    Central Furnace, Fireplace
  • Lot Size
    3 Acres
  • Roof Type
    Metal

Map and Directions

Directions to 1000 Oswald Road, Chipley, FL 32428

Home seller CENTURY 21 Commander Realty, Inc.

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Commander Realty, Inc.

(850) 769-8326
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $1,438
  • Property Taxes
    $66
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $1,504

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Vernon Elementary School

Grades PK-5 Public School

Vernon, FL 32462 11.9 miles
3665 roche ave

560 total students
14:1 Student teacher ratio

School Rating: D+

School Details

Kate M. Smith Elementary School

Grades PK-5 Public School

Chipley, FL 32428 1.6 miles
1447 south blvd

1002 total students
18:1 Student teacher ratio

School Rating: D

School Details

Washington Virtual Instruction Program

Grades KG-12 Public School

Chipley, FL 32428 2.7 miles
652 3rd st

18 total students

School Details

Roulhac Middle School

Grades 6-8 Public School

Chipley, FL 32428 1.2 miles
1535 brickyard rd

452 total students
17:1 Student teacher ratio

School Rating: B-

School Details

Vernon Middle School

Grades 6-8 Public School

Vernon, FL 32462 12.3 miles
3190 moss hill rd

301 total students
16:1 Student teacher ratio

School Rating: D

School Details

Washington Virtual Franchise

Grades 6-12 Public School

Chipley, FL 32428 1.9 miles
753 west blvd

3 total students

School Details

Chipley High School

Grades 9-12 Public School

Chipley, FL 32428 1.1 miles
1545 brickyard rd

622 total students
21:1 Student teacher ratio

School Rating: D

School Details

Vernon High School

Grades 9-12 Public School

Vernon, FL 32462 12.3 miles
3232 moss hill rd

385 total students
23:1 Student teacher ratio

School Rating: C-

School Details
Other Nearby Schools Distance Type Grades School Rating
Washington County Christian School 1.7 miles Private PK-12
Washington Academy Of Varying Exceptionalities (wave) 2.6 miles Public PK-12
Washington Institute For Specialized Education 2.6 miles Public 6-12
Grace And Glory Christian School 2.6 miles Private PK-12

Washington County Christian School

Distance: 1.7 miles

Type Private

Grades: PK-12

Washington Academy Of Varying Exceptionalities (wave)

Distance: 2.6 miles

Type Public

Grades: PK-12

Washington Institute For Specialized Education

Distance: 2.6 miles

Type Public

Grades: 6-12

Grace And Glory Christian School

Distance: 2.6 miles

Type Private

Grades: PK-12

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Chipley, FL 32428

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Chipley, FL 32428

This community’s employment is highest in the food and sales industries. The area’s overall household expenses are below the national average.

92° July
Hottest Average Month
39° January
Coldest Average Month
6,164 Total Households in Area
2% Increase in population since the year 2010
31.4%
of households
have children
33 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Chipley, FL 32428

Chipley, FL 32428 has a population of 16,456 people in 6,164 households with a median age of 42.1 years old.

2%
Increase in population
since the year 2010
Population is Trending up
5,717
Total households as of 2010
5.8%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 42.1 years old. The smallest percentage group is 45-54 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 78%
Black 13%
Hispanic 4%
Other 1%
Asian <1%
Native American <1%
The most prevalent ethnicity is White at 78%, followed by Black at 13%, Hispanic at 4%, and Other at 1%.

Economics
for Chipley, FL 32428

54 /sq mi
Population Density
$50,061 /yr
Median Household Income
$141,000
Median Sales Price
33 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 18.31% of the households.

Transportation to Work

  • Drive 96%
  • Work from Home 3%
  • Walk or Bike 1%
  • Public Transit 0%

Occupancy by Type

Owned 5,098 71%
Rented 1,067 15%
Vacant 967 14%

White vs Blue Collar Jobs







White Collar 64%
Blue Collar 36%

Family & Education Facts
for Chipley, FL 32428

42.1 Median Age

Average Household Size

2.4
persons per
household

47.8%

Married Households

Community Population By Education

High School Graduate 43%
Some College 20%
Some High School 14%
Bachelors Degree 9%
Associates Degree 8%
Graduate Degree 6%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 42.92% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
31.4% of households have children

Weather
for Chipley, FL 32428

The weather for this area ranges from a high of 92° F in July to a low of 39° F in January

92° July
Hottest Average Month
39° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
39°
63°
Feb
41°
67°
Mar
47°
73°
Apr
53°
80°
May
61°
86°
Jun
68°
90°
Jul
70°
92°
Aug
70°
91°
Sep
66°
88°
Oct
55°
81°
Nov
46°
72°
Dec
40°
65°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 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. Information being provided is 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 being provided is 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.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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