Sunny Hills
Homes for Sale in Chipley, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of September 2026, Sunny Hills in Chipley, FL has 61 homes for sale and 22 pending, asking from $168,990 to $371,400 (median $262,990). Over the 12 months ending 2026-09-12, 147 recorded sales closed at a median of $227,990, a median 58 days on market, sellers accepting 97% of original asking (+3% versus the prior year). Homes listed or recently sold were built 1972–2026 with 59 new construction; 1 of the 71 geocoded homes sit in a FEMA special flood hazard zone (median elevation 139 ft). At the median price and Washington County's FY2025-26 rate of 15.35 mills, annual property tax runs about $3,500 ($2,890 with the full homestead exemption).
| Location | Chipley, Washington County, FL · ZIP 32328, 32408, 32428 |
|---|---|
| Homes in the community | 258 (FL DOR 2025 assessment roll) |
| Years built | 1971–2024 (median 2003.0) |
| Typical living area | 1,831 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 100% |
| Sale prices, last 12 months | $227,990 median across 147 closed sales · +3.2% vs the prior 12 months |
| Days on market (closed sales) | 58 median |
| For sale right now | 60 active, 23 pending · median asking $263,990 |
| Owner-occupied (homestead) share | 43% |
Data as of September 12, 2026. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Sunny Hills key facts,” movewithmomentum.com/neighborhoods/sunny-hills, data as of September 12, 2026.
Last 30 days in Sunny Hills: 29 new listings (median asking $259,000), 22 under contract right now. As of September 17, 2026, Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate.
Homes For Sale Right Now in Sunny Hills
Live MLS inventory for Sunny Hills. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Sunny Hills listings as of 2026-09-17, priced high to low. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Price in Sunny Hills is driven by condition and the specific parcel, not by a uniform product. With a housing stock spanning nearly a century of build dates and a median build year in the mid-1990s, you are looking at a genuinely mixed inventory where two homes of similar size can sit far apart on price. The median sits at $227,990, and the median home runs a little over 1,700 square feet — but treat that median as a center of gravity, not a rule.
The market posture here is patient. Homes are taking a median of 58 days to go under contract, and the heat score of 45 tells you this is a balanced-to-slow market rather than a bidding-war environment. Sellers should price to condition from day one and expect a real marketing window; buyers have room to inspect, negotiate, and walk away without losing the house to a same-day offer.
Sunny Hills right now
🟡 Still climbing. The trailing-12-month median ($228K) is up 3.2% from the prior 12 months ($221K) and up 168% since 2012.Momentum Research, record-level CPAR MLS closed sales, 12-month windows ending September 12. Confidence: Very High (147 and 143 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 19, 2026 · Live data: CPAR MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Sunny Hills market snapshot (as of September 12, 2026): the median sale price is about $228K, and a median 58 days on market for closed sales. The trailing-12-month median is up 3% from the prior 12 months and up 168% since 2012, computed from record-level CPAR MLS closed sales (147 closings in the current window).
In ZIP 32408 (Chipley), 1,783 homes closed in the last 12 months at a median of $412K, up 0.0% year over year, with a median 76 days on market. Right now 1,192 active and 225 pending listings — a buyer's market. See the live ZIP 32408 housing market and the Bay County market.
Flood zones in Sunny Hills: of 41 listing addresses checked against the FEMA National Flood Hazard Layer, 98% sit outside the FEMA Special Flood Hazard Area (Zone X); 2% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary — verify any specific address at msc.fema.gov.
Sunny Hills is a community of 258 homes in Chipley, Washington County, built between 1971 and 2024 (median 2003.0), with a median living area of about 1,831 square feet. 43% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Sunny Hills is a large, spread-out community of roughly 785 homes in Chipley, Washington County, with a wide range of ages and conditions rather than a single cohesive product. The 145 closings in the tracked window show steady, unhurried turnover.
The setting & the homes.
Aerial and on-site photos of Sunny Hills. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Sunny HillsPhotos from CPAR MLS listings in Sunny Hills; content deemed reliable but not guaranteed.
Who Sunny Hills is best for.
Best for
- Buyers seeking more square footage for the money who will do property-by-property diligence
- Patient shoppers who value negotiating room over speed
- Buyers open to a range of home ages, including projects that need updating
Probably not for
- Buyers who need HOA-style amenities on site
- Shoppers who want a uniform, turnkey product with predictable pricing
- Anyone counting on a quick flip or a guaranteed short-term gain
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($228K) IS the median in the snapshot above, and the move from 2025 ($221K) IS the +3.2% one-year change.
Windows contain 4 to 147 sales each (147 in the current window); every figure carries its sample size. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Washington County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Washington County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
26% of homes for sale in Sunny Hills are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-19).
Sunny Hills Market Scorecard
Sunny Hills is currently a thin data market. Limited supply, a median asking price of $261,495, and homes go under contract in about 45 days.
Typical home value in the 32428 ZIP is $232,117, about 11.0% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Sunny Hills on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from CPAR MLS. Map data © OpenStreetMap, tiles © CARTO.
The Sunny Hills buying strategy.
If we were buying in Sunny Hills today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Sunny Hills.
A condition-driven market, not a cookie-cutter one
The defining fact of Sunny Hills is spread. Build dates run from 1930 through 2024, which means you will find both original older structures and newer construction sitting within the same community footprint. That variety is why there is no clean price band here — value tracks the individual home's age, updates, and lot far more than the neighborhood average does. Do your diligence on each property; the median is a poor predictor for any single address.
Longer-term the trend has been upward — values are up 168% since 2012 and 3.2% year over year — but that history describes the past, not a promise about your specific purchase. No community amenities were identified from current MLS listings, so buyers should weigh this as a residential, land-and-house proposition rather than an amenity package. A homestead share of 47% points to a real mix of owner-occupants and non-homesteaded properties across the community.
The location and the amenities are priced into every listing in Sunny Hills. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Sunny Hills buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (7.2). Basis: Long-Term Appreciation +168% since 2012; Recent Direction +3.2% year-over-year; Owner Commitment 43% owner-occupied; Pricing Power 96.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a condition-driven market with a wide range of build years and a 58-day median marketing window, the median price tells you very little about any one house. We underwrite each property on its own merits — age, systems, updates, and lot — and price or negotiate from that, not from a neighborhood average. That is the difference between a fair number and a guess.
Sunny Hills in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Sunny Hills buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Sunny Hills sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sunny Hills, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sunny Hills home worth?
Get a no-obligation home value based on real comparable sales in Sunny Hills, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Sunny Hills on the map →
Recently off market in Sunny Hills
Homes in Sunny Hills that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 32 on record.
- 1732 Salem Drive · off market
- 1807 Ulmer Lane · off market
- 1847 Sunny Hills Boulevard · off market
- 1857 Sunny Hills Boulevard · off market
- 2056 Sunny Hills Boulevard · off market
- 2072 Apollo Drive · off market
- 2158 Apollo Drive · off market
- 2194 Sunny Hills Boulevard · off market
Frequently Asked Questions
What is the median home price in Sunny Hills?
How long do homes in Sunny Hills take to sell?
How many homes are in Sunny Hills?
What share of Sunny Hills is owner-occupied?
When were the homes in Sunny Hills built?
Have Sunny Hills home prices gone up?
Who is the best real estate agent for Sunny Hills?
How do I find a top Chipley real estate agent who knows Sunny Hills?
Can Momentum Realty connect me with an agent for Sunny Hills?
Where is Sunny Hills, and what county is it in?
Is Sunny Hills in a flood zone?
Is Sunny Hills a good place to live?
Should you buy in Sunny Hills?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: September 17, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (16 streets, ZIP 32328/32408/32428)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2012 (788 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of CPAR MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the CPAR MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Sunny Hills fits the bigger picture — live prices, inventory, and Momentum Scores:
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