SOLD JUL 9, 2026

Sold on Jul 2026

$170,000

Land

•

2.00

acres (lot)

3903 Stewart Lake Rd, Chipley, FL 32428

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About this home

Welcome to your private lakeside retreat! This lovely approximately 2 acre parcel on peaceful Stewart Lake features a cozy 2-bedroom cabin with warm, inviting finishes -- a perfect place to relax and unwind. The property includes a spacious bathhouse with shower and laundry plus a handy storage shed for tools and water toys. Stewart Lake is roughly 35 acres; bring your boat for abundant fishing and a public boat ramp is nearby. Utilities are in place -- septic, well and power. No HOA fee is an added incentive. This would also make an excellent homesite for building or placing a mobile home, if desired. Picturesque lake views and ample outdoor space make this a rare offering. Long gated driveway; please schedule a showing before walking the property. Lakefront lots this size seldom become available, don't miss out, call today to schedule your private viewing. Swing does not convey. All measurements and boundary lines are approximate and should be verified by the buyer.

Vacant landProperty Type

2 acresLot Size

$85,000Price/Acres

Listed by Amanda Peel • SOUTHERN WAY REALTY, INC.

Bought with Amanda Peel • SOUTHERN WAY REALTY, INC.

Redfin checked: a few seconds ago

•Source:CPARMLS #787027

Redfin Estimate

$151,040

$19K since sold in July 2026$3,000 since August

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 44% lower than the average sale price ($270K) of 5 comparable homes.

SOLD APR 30, 2026
$296,000
A
2 beds2 baths1,184 sq ft
4651 Moss Hill Rd, Chipley, FL 32428
SOLD APR 2, 2026
$290,000
B
3 beds2 baths1,392 sq ft
3965 Stillwater Dr, Chipley, FL 32428
SOLD OCT 31, 2025
$287,000
C
2 beds2 baths1,202 sq ft
3218 Lodge Dr, Chipley, FL 32428
SOLD JUN 24, 2026
$230,000
D
3 beds2 baths1,118 sq ft
14322 Bonnie Girls Way, Panama City, FL 32409
SOLD JUL 27, 2026
$245,000
E
3 beds2 baths1,284 sq ft
2809 Roche Rd, Chipley, FL 32428

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Market trends in 32428, FL

Last updated August 2026

Buyer's Market

Seller's Market

Balanced market

Sale-to-List Price

97.5%

+0.7% MoM

Median sale price

$247K

$11K MoM

Avg. days on market

77d

2 days MoM

Recently sold homes

2 MoM

New listings for sale

$399,900
4 beds3 baths1,765 sq ft
2924 Paradise Lakes Rd, Chipley, FL 32428
$319,900
3 beds2 baths1,456 sq ft
3726 Pine Log Rd, Chipley, FL 32428
$309,000
4 beds3.5 baths2,380 sq ft
1379 Joe Neel Rd, Chipley, FL 32428
$121,000
2 beds2 baths924 sq ft
5288 Highway 77, Chipley, FL 32428
$350,000
3 beds2 baths1,705 sq ft
4541 Hancock Ct, Chipley, FL 32428
3D WALKTHROUGH
$369,900
4 beds3 baths2,916 sq ft
4152 Leisure Lakes Dr, Chipley, FL 32428
$260,000
2 beds2 baths1,337 sq ft
4533 Hancock Ct, Chipley, FL 32428
$179,900
3 beds1 bath964 sq ft
825 Jones Ct, Chipley, FL 32428
$199,990
4 beds2 baths1,500 sq ft
837 Maple St, Chipley, FL 32428
$485,000
4 beds3 baths3,756 sq ft
620 4th St, Chipley, FL 32428
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Sale and tax history for 3903 Stewart Lake Rd

Sale History
Tax History

Date

Event

Price

CPARMLS #787027

Jul 9, 2026

Sold

$170,000

Jun 8, 2026

Price Changed

$170,000

May 11, 2026

Price Changed

$178,500

Mar 19, 2026

Listed

$185,000

CPARMLS #740723

May 16, 2023

Sold

$131,000

Apr 27, 2023

Listed

$125,000

+24

MULTIPLE OFFERS RECEIVED! Requesting all offers be submitted by 2pm Wed, May 3. Welcome to your own private oasis! This beautiful approximately 2 acre lot features an old hunting cabin situated on tranquil Stewart Lake. The cozy cabin has a rustic charm and offers a space to unwind and escape the hustle and bustle. With the lake spanning approximately 35 acres, bring your boat and enjoy plentiful fishing. There's also a public boat ramp nearby. In addition to the cabin, there was a bathhouse with shower and laundry, but it is in need of renovation. A pipe leaked during the winter freeze and the owner never knew about it. The property already has septic/well/power. There is no HOA and it would make an excellent homesite for those looking to build or place a mobile home! The picturesque surroundings offer a stunning lake view and provide the perfect backdrop for relaxation or outdoor activities. Don't miss out on this unique opportunity. Lakefront lots of this size don't come available often. It will probably require a cash buyer; no seller financing. There is a long, gated driveway. Please schedule a showing before walking the property. Lot dimensions are estimated. Buyer to verify all information to determine suitability.

CPARMLS #682135

May 20, 2019

Sold

$87,000

Apr 4, 2019

Listed

$89,000

+16

CURRENTLY UNDER CONTRACT, SELLER ACCEPTING BACK UP OFFERS. Let's go to the Lake for the weekend or longer. This lake cabin sits on Stewart Lake and features a sleeping cabin with a bath house complete with washer and dryer. The lake is approximately 35 AC, allows skiing, motor boats, a public boat ramp is convenient for launching your play toys or fishing boat. Very pretty lot for a nice get away to relax or play. Call today to see!

CPARMLS #618803

Sep 4, 2014

Sold

$120,000

Apr 3, 2014

Listed

$147,500

Year

Property tax

Land + Additions

Assessment*

2025

$1,702 (+7.9%)

$31,500 + $91,376

$122,876

2024

$1,577 (+12.5%)

$31,500 + $85,579

$117,079

2023

$1,401 (+11.7%)

2022

$1,255 (+9.0%)

2021

$1,151 (+15.1%)

$23,100 + $58,397

$81,497

2020

$1,001 (+124.2%)

$23,100 + $47,262

$70,362

2019

$446

2018

$446 (−3.2%)

$23,100 + $31,047

$54,147

2017

$460 (−2.0%)

$23,100 + $30,822

$53,922

2016

$470 (+74.7%)

2015

$269 (−58.8%)

$23,100 + $18,141

$41,241

2014

$653

Public record

Beds

—

Baths

Stories

—

Lot width

—

Lot depth

—

Lot size

1.42 Acres

Year renovated

2008

Sq. Ft.

768

Year built

1999

Style

Single Family Residential

County

Washington County

APN

000000000044150006

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jul 24, 2026.

Property details

Exterior

Exterior Features
Other Structures: Residence, Shed(s)

Lot Information
Lot Size Area: 2
Lot Size Acres: 2
Lot Size Dimensions: Irregular
Is Waterfront
Waterfront Features: Lake

Property Information
Has View

Financial

Tax Information
Annual Tax Amount: $1,702
Tax Year: 2025

Public facts

Beds: —
Baths: 2.0
Sq. Ft.: 768
Stories: —
Lot Size: 1.42 acres
Style: Single Family Residential
Year Built: 1999
Year Renovated: 2008
County: Washington County
APN: 000000000044150006

Home facts updated by county records on Jul 24, 2026

Around this home

Schools

Vernon Elementary School

Public PreK-5 • Assigned • 5.8mi

4/10

Vernon Middle School

Public 6-8 • Assigned • 4.8mi

5/10

Vernon High School

Public 9-12 • Assigned • 4.7mi

3/10

Provided by GreatSchools

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

4/10 Fire Factor

2% chance of being in a wildfire in next 30 years

9/10 Heat Factor

7 days above 106° expected this year, 21 days in 30 years

9/10 Wind Factor

99% chance of strong winds in next 30 years

1/10 Air Factor

0 unhealthy days expected this year, 0 days in 30 years

Provided by First Street

Historical weather

Chipley, FL • 32428

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

93/ 100

Exceptional sunlight

Sunscore

This home receives average direct sun exposure in Chipley. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.

8.7 hrs

6.2 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$144,000 – $174,000

Sell confidently with a local market expert in Chipley.

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New listings for sale in 32428

$399,900

4 beds3 baths1,765 sq ft

2924 Paradise Lakes Rd, Chipley, FL 32428

$319,900

3 beds2 baths1,456 sq ft

3726 Pine Log Rd, Chipley, FL 32428

$309,000

4 beds3.5 baths2,380 sq ft

1379 Joe Neel Rd, Chipley, FL 32428

$121,000

2 beds2 baths924 sq ft

5288 Highway 77, Chipley, FL 32428

$350,000

3 beds2 baths1,705 sq ft

4541 Hancock Ct, Chipley, FL 32428

3D WALKTHROUGH

$369,900

4 beds3 baths2,916 sq ft

4152 Leisure Lakes Dr, Chipley, FL 32428

$260,000

2 beds2 baths1,337 sq ft

4533 Hancock Ct, Chipley, FL 32428

$179,900

3 beds1 bath964 sq ft

825 Jones Ct, Chipley, FL 32428

$199,990

4 beds2 baths1,500 sq ft

837 Maple St, Chipley, FL 32428

Home values near 3903 Stewart Lake Rd

Data from public records.

Address	Redfin Estimate
3923 Stewart Lake Road, Chipley, FL - Beds \| - Baths \| - Sq. Ft.	—
Stewart Lake Road, Chipley, FL - Beds \| - Baths \| - Sq. Ft.	$27,274

Address	Redfin Estimate
3924 Stewart Lake Road, Chipley, FL 3 Beds \| 2 Baths \| 1025 Sq. Ft.	$165,911
3919 Stewart Lake Road, Chipley, FL - Beds \| - Baths \| - Sq. Ft.	$88,739

Address	Redfin Estimate
3899 Stewart Lake Road, Chipley, FL - Beds \| - Baths \| - Sq. Ft.	$30,098
3927 Stewart Lake Road, Chipley, FL 2 Beds \| 2 Baths \| 1134 Sq. Ft.	$90,108

Property information provided by CPARMLS when last listed in 2026. This data may not match . Learn more.

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GreatSchools Ratings provided by GreatSchools.org.

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3903 Stewart Lake Rd, Chipley, FL 32428

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Sale and tax history for 3903 Stewart Lake Rd

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Property details

Exterior

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Public facts

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Climate risks

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