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Washington County, Florida · near Chipley · APN 06-0380-0026: Build Your Place on a Big Quiet Lot in Sunny Hills

Flagler Drive, Chipley, FL 32428

The streets in this stretch of Sunny Hills were paved decades ago and they are still waiting on most of their houses. This one is a big, better-than-half-acre lot in a north Florida community that was drawn up for a small city and is only now filling in. Power runs through the area, the taxes stay low, and there is room to build the kind of home you have been sketching in your head. Bring a well and a septic and pick your spot.

Paved Streets, Low Taxes, and Room to Build Something That Lasts

If you have spent any time hunting for a place to build in Florida, you know how it usually goes. The lots you can afford come with a homeowners board telling you what color to paint the door, and the ones with no rules turn out to be swamp you cannot put a house on. This lot sits in a different spot. It is a big, quiet piece in Sunny Hills, a north Florida community where the streets went in a long time ago and the houses are still catching up.

Picture the home you have been meaning to build, set off a paved road with a yard the kids and the dog can actually use and a stretch of low woods behind you that nobody is going to crowd. Real houses are what go up here, so this is a lot for someone ready to put down something that stays, not a weekend camp. A young family planning a first build, a couple settling somewhere warm and slow, or somebody who just wants a big lot in a town on its way up will all find room on it.

You are a short drive from Chipley for groceries and the interstate. Just south of town, Falling Waters State Park drops the tallest waterfall in Florida, seventy-three feet of it, straight into a hundred-foot sinkhole where the water disappears into the ground (not a thing most folks expect from the flat part of the state).

Here is what to square away before you picture the porch: the back third or so runs into low, wet ground you will not build on, so the house goes on the dry front and the wet end stays a green buffer behind you. You add a well and a septic, and power is already running through the area to tie into.

The streets out here were laid for a town that is still arriving. There is room in it for a place your family keeps.

  • Build a single-family home, no time limit
  • Site-built homes, 1,500 sq ft and up
  • Big 0.7-acre lot with paved road frontage
  • Power in the area, well and septic to add
  • Front portion buildable, wet rear stays a buffer
  • No HOA, just a small civic association fee
  • Quiet Sunny Hills community, slowly filling in
  • Low annual property taxes
  • Chipley groceries and Walmart, about 15 minutes
  • Panama City and the Gulf, about 40 minutes south

Is this your kind of land

Who this parcel suits

Good fit for

A homestead with a conventional house, a well and septic system, and quiet flat land near power in rural Florida.

Not a fit for

Not a fit for RV camping, mobile homes, modular homes, or temporary living while building. Deed restrictions require a permanent foundation house.

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.

30.568864, -85.581759
Center coordinate · drive out on weak signal
Open in Google Maps
The four corner coordinates
NW30.5689, -85.5818
NE30.5682, -85.5812
SW30.5680, -85.5815
SE30.5687, -85.5820

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

The record

The facts, every one of them

Acreage
0.7 acres
Lot dimensions
101 × 305 ft
Subdivision
Sunny Hills Civic Association
Zoning
Land Use Districts
Utilities
No service on the lot. Power is reported at the road.
Terrain
Sloped
Elevation
218 ft
Access †
The property is bordering an unnamed road to the SE.
Flood zone
Part of this parcel is in a FEMA flood zone (Zone A). The rest is outside it.
Wetlands
Mapped wetlands on part of this parcel (Freshwater Forested/Shrub Wetland)
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 Haul. Would be a well, water haul and holding tank or other similar option

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

What’s allowed, and what it’s for

This one is a homestead first.

The dry front of the lot is your building site, set off a paved road with power running through the area, so you add a well and a septic and put up a site-built home of 1,500 square feet or more on your own timeline. The wet rear third stays a green buffer nobody builds behind you. There is no time limit and no real HOA, just a small civic-association membership, and the whole community is quietly filling in around the streets Deltona laid years ago. Chipley covers groceries and the big-box run a few minutes north, and the Gulf beaches near Panama City are a straight shot south.

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 1,500 square feet or larger, with power already in the area.
Manufactured, mobile, modular, and tiny homes are not allowed, camping and RV use are out, and the rear of the lot is floodplain you build away from.
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 Haul
On-site: None. Options: Well or Haul. Would be a well, water haul and holding tank or other similar option
Sewer
Septic
On-site: None. Options: Septic.
AllowedWith permitRestrictedNot allowedAsk the county
See more homestead and cabin land

What it costs

Pricing & owner financing

Claim it today
$650
down + doc fee
Down payment$400
Doc fee$250
To claim today$650
$275/mo · 78 months
Note maintenance fee$12/mo
Property taxes, prorated$11/mo
Billed monthly$298
Total price$21,850

Pay it off early, any time, with no penalty.

No bank, no credit check. How it works
Clean title. Warranty deed in your name at payoff.
Taxes current.
Pay by card, debit, or USDC crypto.

Claiming holds this parcel for you. Your contracts arrive by email within one business day, and your first 100 days are covered by the Peace‑of‑Mind Guarantee.

Listing IDFLWAS-00657

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
    30.568864, -85.581759
  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.

View it here instead
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Claim your ground

Go ahead and make these 0.7 acres yours.

Reserve it online in a few minutes with $400 down and a $250 doc fee, or ask a Land Specialist first. No bank, no credit check, and the deed in your name at payoff.

Claiming holds this parcel for you. Your contracts arrive by email within one business day, and your first 100 days are covered by the Peace‑of‑Mind Guarantee.

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