Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$123,852$52 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

865 MAIN ST

CHIPLEY, FL 32428
3
Baths
2,379 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.5 ac
Lot SizeThe size of the land the home sits on, from county records.
1901
Year BuiltThe year the home was originally built, according to county records.

Valuation

$124K
$108K low$140K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$812 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$88,665 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$86,166
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$153,156

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
97
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
68
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
5
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyWashington
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1975
Lot (acres)The size of the land the home sits on, from county records.0.50
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 186 ft²Porch · 453 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Washington Virtual Instruction Program
Elementary · Grades KG–12 · 0.4 mi

District: Washington County School District

Neighborhood · ZIP 32428These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.76
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.25

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.6.9%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.17,198
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.56 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$53,611
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$68,933
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.62 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Owner Tools

Do you own this home?
Claim this home

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

865 Main St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 76% of homes in Chipley 32428
  • Costs less per square foot than 96% of homes in Chipley 32428
  • Bigger than 91% of homes in Washington County
  • Has a smaller lot than 81% of homes in Washington County
  • Among the oldest homes in Chipley 32428

What homes are worth in Chipley 32428

Each bar is how many homes fall in that price range. The marker is this home.

This home
$49K$615K

This home is worth more than 24% of homes in Chipley 32428.

How it measures up in Chipley 32428

The dot is this home. The mark in the middle is the typical home in Chipley 32428.

Estimated value$123,852
CheaperTypical $203,609Pricier

Pricier than 24% of homes nearby

Price per ft²$52
CheaperTypical $133Pricier

Pricier than 4% of homes nearby

Living area2,379 ft²
SmallerTypical 1,500 ft²Bigger

Bigger than 90% of homes nearby

Lot size0.5 ac
SmallerTypical 1.55 acBigger

Bigger than 24% of homes nearby

Year built1901
OlderTypical 1991Newer

Older than almost all homes nearby

How 865 Main St ranks against every home in each area.
MeasureThis homeChipley 32428Washington County
Estimated valuepricier than$123,85224% of homes26% of homes
Price per ft²pricier than$524% of homes4% of homes
Living areabigger than2,379 ft²90% of homes91% of homes
Lot sizebigger than0.5 ac24% of homes19% of homes
Year builtnewer than1901almost no homesalmost no homes

About 865 Main St

How much is 865 Main St, Chipley, FL worth?

The TopHap Estimate for 865 Main St, Chipley, FL is $123,852 as of Sep 24, 2026. The likely range is $108,178 to $139,526. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 865 Main St, Chipley, FL?

865 Main St, Chipley, FL has 3 bathrooms, 2,379 square feet of living space and a 0.50-acre lot.

When was 865 Main St, Chipley, FL built?

865 Main St, Chipley, FL was built in 1901, making it 125 years old.

What schools serve 865 Main St, Chipley, FL?

865 Main St, Chipley, FL is assigned to Washington Virtual Instruction Program (elementary). All sit in Washington County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 865 Main St, Chipley, FL compare to other homes in Chipley 32428?

Among the 7,686 homes in Chipley 32428, it is worth more than 24% of them ($123,852 against a typical $203,609), its price per square foot is higher than 4% of them ($52 against a typical $133), it is bigger than 90% of them (2,379 ft² against a typical 1,500 ft²), its lot is bigger than 24% of them (0.5 ac against a typical 1.55 ac) and it is newer than almost none of them (1901 against a typical 1991). Measured against all of Washington County, it is worth more than 26% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 865 Main St, Chipley, FL?

The 2025 property tax bill for 865 Main St, Chipley, FL was $812. The county assessed it at $88,665.

More homes on Main St

Closest homes

More homes in Chipley 32428

Assigned schools

Explore the area

See this home in context

Open 865 Main St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map