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Washington County, Florida · near Chipley · APN 11-0818-0007: The Closest of These Sunny Hills Lots to the Gulf

Steward Street, Chipley, FL 32428

Of these Sunny Hills lots, this is the one that sits closest to the Gulf, down in the southern end of the community where Coronet Drive meets Steward Street. It runs about four-tenths of an acre at 156 feet, still outside the flood zone, with power in the area and a water system already serving the neighborhood. Room enough for a site-built home a short drive from the coast, low annual taxes, and a piece of Florida your family gets to keep. Bring a septic and pick your spot.

The Beach Stops Being Somewhere You Leave

For most families, the Gulf is a week in a rental, then a long car ride home with sand still in everybody's shoes. The beach is always somewhere you visit and give back. Of the Sunny Hills lots I have, this is the one that sits closest to that water, down in the southern end of the community, and it makes a fine argument for keeping a piece of the region for good.

Picture weekends that start with a short drive south and a home you built waiting when you get back. A family that wants a base near the coast, a couple planning their first place closer to the water, a Gulf-Coast retiree ready to right-size, or the dad who is finally done paying beach-house rental rates by the night will all find room here.

You are in the Panhandle a few minutes from Chipley, which puts the Gulf about forty minutes off. Here is something worth knowing about that white, squeaky sand the coast is famous for: it is almost pure quartz, washed down out of the Appalachian Mountains over millions of years and ground fine by the time it reached the water. The white beaches south of here started as mountains up north.

A couple things to put on the table before you get the truck out. The neighborhood runs on a shared water system rather than a private well, so water here is a hookup you tie into, not a hole you pay to drill. The street access off Coronet and Steward is platted but reads unverified in the county records, so the recorded easement is worth confirming as you do your homework.

The sand down on the coast took a few million years to come down from the mountains and turn that shade of white. This is a fine place to put down something that stays, and to let your kids grow up knowing the way to the water.

  • Closest of these Sunny Hills lots to the Gulf
  • Build a site-built home, 650 sq ft and up
  • Four-tenths of an acre, room to spread out
  • Power in the area, community water hookup
  • Out of the flood zone at 156 feet
  • No time limit to build, set your own pace
  • No HOA, just a small civic association fee
  • Low annual property taxes, easy to hold
  • Chipley groceries and Walmart, about 15 minutes north
  • Panama City and the Gulf, about 40 minutes south

Is this your kind of land

Who this parcel suits

Good fit for

A site for a permanent stick-built home with well water and septic, just minutes from the Gulf coast in Florida's quieter panhandle.

Not a fit for

Not a fit for RV living, mobile homes, camping, or off-grid cabins. Deed restrictions require public water hookup unless no utility service exists in your area.

On the ground

Where it sits

The red outline on the map is approximate. It is drawn from county records to show roughly where the lot sits, not a surveyed boundary.

30.525775, -85.506504
Center coordinate · drive out on weak signal
Open in Google Maps
The four corner coordinates
NW30.5258, -85.5065
NE30.5258, -85.5062
SW30.5254, -85.5064
SE30.5255, -85.5060

Corner coordinates are approximate. Verify against the recorded plat before relying on them.

The record

The facts, every one of them

Acreage
0.4 acres
Lot dimensions
92 feet (Northern Leg) x 156 feet (Eastern Leg) x 130 feet (Southern Leg) x 143 feet (Western Leg)
Subdivision
Sunny Hills Civic Association
Zoning
Land Use Districts
Utilities
No service on the lot. Power is reported at the road.
Terrain
Flat
Elevation
156 ft
Access †
The property can be accessed via Coronet Dr and Steward St.
Flood zone
Not in a FEMA flood zone
Wetlands
None mapped in the national wetlands inventory
Cell signal
Not confirmed. Plan for none.
Annual taxes
About $135 a year
HOA / POA
Optional association, joining is up to you

† From county maps and records. Check with the county, or ask your Land Specialist what we have on file.

Dig deeper

Zoning & building rules: see What’s allowed here
Water & septic detail

Water: On-site: None. Options: Well or Public Hookup. Based on the deed restriction: No individual well will be permitted on any lot or tract within the subdivision except for irrigation, sprinkler systems, swimming pools, or air conditioning. This restriction shall be enforced so long as a water utility system is operated to the satisfaction of the State Board of Health. Notes from the county P&Z: Well allowable if there is no service and you would hire a well driller. The well driller would secure the permit on your behalf from the Northwest Florida Water Management District.

Sewer / septic: On-site: None. Options: Septic.

What’s allowed, and what it’s for

This one is a homestead first.

The lot sits in the southern end of Sunny Hills, a clean building site for a site-built home of 650 square feet or more, on your own timeline. Power runs through the area, sewer is by septic, and the neighborhood has a community water system the deed points you to rather than a private well for household water. There is no time limit and no real HOA, just a small civic-association membership. It is the closest of these Sunny Hills lots to the Gulf, about forty minutes south near Panama City, with Chipley groceries and the Walmart run about fifteen minutes north and Interstate 10 close by.

A plain-language summary of how Washington County's Land Use Districts zone reads, current to October 2026. It is not a determination of what you may do here, and it is not legal or land-use advice.

Yes, you can build a single-family home here, site-built and 650 square feet or larger, on a four-tenths-acre lot with power in the area and the Gulf a short drive south.
Manufactured, mobile, modular, and tiny homes are not allowed, camping and RV use are out, and the deed directs you to the community water system rather than a private well for household water.
Homes and dwellings
With permit
Living on the land
Not allowed
Off-grid and utilities
With permit

Washington County decides what is allowed, not us. Confirm current rules with Planning & Zoning before you buy.

Call (850) 415-5093
Show the full breakdownHide the full breakdown
Homes and dwellings
Build a house
With permit
One detached single-family home per lot, up to two stories, plus a one or two-car garage or carport. Plans go through the Sunny Hills architectural review before the county permit.
Modular home
Not allowed
The deed restrictions call for a site-built single-family home, and the community does not accept modular units. Confirm with the association before pricing one.
Manufactured home
Not allowed
Washington County allows manufactured homes, but the Sunny Hills deed restrictions do not. Site-built only.
Mobile home
Not allowed
Mobile homes are not allowed under the Sunny Hills deed restrictions, even though the county would permit one.
Tiny home
Not allowed
The deed sets a minimum ground-floor area (650 square feet in most units, higher in some), which rules out a tiny home.
Alternative structures
Not allowed
No trailer, basement, tent, shack, garage, barn, or other outbuilding may be used as a residence, temporarily or permanently. A garage or carport is allowed alongside the home.
Minimum dwelling
650 sq ft
Minimum ground-floor area varies by unit: 650 square feet in Unit 8, 1,500 in others. Check the recorded restrictions for the specific unit before pricing a build.
Living on the land
Tent camping
Not allowed
Tent camping is not allowed. Nothing of a temporary character may be used as a residence on the lot.
Camp in RV
Not allowed
No residence of a temporary character is permitted, which rules out camping in an RV on the lot.
RV while building
Not allowed
The county allows an RV on site during construction with a signed affidavit, but the Sunny Hills deed restrictions do not, so plan to live elsewhere while you build.
Off-grid and utilities
Off-grid setup
With permit
Solar, well and septic all work, but power is not connected until the house permit is final.
Power nearby
Yes
Utility power near the parcel
Water
Well or Public Hookup
On-site: None. Options: Well or Public Hookup. Based on the deed restriction: No individual well will be permitted on any lot or tract within the subdivision except for irrigation, sprinkler systems, swimming pools, or air conditioning. This restriction shall be enforced so long as a water utility system is operated to the satisfaction of the State Board of Health. Notes from the county P&Z: Well allowable if there is no service and you would hire a well driller. The well driller would secure the permit on your behalf from the Northwest Florida Water Management District.
Sewer
Septic
On-site: None. Options: Septic.
AllowedWith permitRestrictedNot allowedAsk the county
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What it costs

Pricing & owner financing

Claim it today
$500
down + doc fee
Down payment$250
Doc fee$250
To claim today$500
$225/mo · 76 months
Note maintenance fee$12/mo
Property taxes, prorated$11/mo
Billed monthly$248
Total price$17,350

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Listing IDFLWAS-00650

Before you buy

Want to see it first?

Plenty of folks claim sight unseen, and plenty like to walk the corners before they decide. If that is you, we will text you a one-page field guide to take along.

Driving in

  1. Start in the nearest town
    Chipley, Washington County
  2. GPS to the parcel center
    30.525775, -85.506504
  3. Look for the road access
    Gravel road frontage · check the corners on the plat before you park

Before you leave town

  • Bring water and layers
    Cell service can drop past the nearest town. Plan for a round-trip without it.
  • Save the corners offline
    Copy the four corner coordinates before you head out.

The guide has the boundary map, the drive in, and county contacts. One text, no follow-up spam. Reply STOP to opt out.

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