2970 Woodymarion Drive, Chipley, FL 32428
Sources: CPAR (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
2970 Woodymarion Drive in Chipley is listed at $539,000. It has been listed Aug 8, 2026. Listing facts: built in 2016. The parcel maps to FEMA flood zone A, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 2016 · 10 yrs
- listed Aug 8, 2026
About this home
BACK ON THE MARKET AT NO FAULT TO SELLER! Welcome to your own private waterfront retreat on beautiful Spring Pond. Situated on a 4.71-acre waterfront parcel with approximately 215 feet of freshwater frontage, this exceptional custom-built home offers a rare combination of privacy, luxury, and outdoor recreation.
Approximately 2.5 to 3 acres are high and dry, providing ample room for the home, beautifully landscaped grounds, and outdoor living, while the remaining acreage extends into the pristine waters of Spring Pond, enhancing both the property's privacy and waterfront appeal. Built in 2016 and featuring a brand-new roof installed in 2026, the true showpiece is the expansive private white sand beach spanning nearly two-thirds of an acre, creating a setting that feels more like a secluded resort than a private residence. From the moment you enter, soaring 16-foot ceilings create an impressive first impression, while wood-look tile flooring extends throughout the home, blending timeless style with everyday durability.
The spacious living room is highlighted by custom built-in bookcases that convey with the sale, and oversized windows capture breathtaking views of the backyard and waterfront beyond. The open-concept kitchen is designed for gathering, featuring a massive, oversized granite island, custom cabinetry, abundant workspace, and seamless flow into the living and dining areas. The primary suite offers a peaceful retreat with generous space, a custom headboard that conveys with the home, and a luxurious ensuite bath complete with a soaking tub, double vanity, and oversized tiled walk-in shower with a built-in bench.
It also offers private access to the home's spacious screened-in porch. One of the home's most impressive features is the 59-foot by 10-foot screened porch, where you'll enjoy panoramic views of the property and water. Whether you're enjoying your morning coffee, entertaining friends, or simply relaxing at sunset, the scenery provides a sense of peace that's difficult to find.
Every detail throughout the home has been thoughtfully designed to create both comfort and functionality. The backyard is truly something special. Mature landscaping, lush vegetation, apple trees, blueberry bushes, and seasonal blackberry patches create a private sanctuary where nature surrounds you.
The crystal-clear waters of Spring Pond invite endless outdoor recreation, including kayaking, paddleboarding, swimming, boating, jet skiing, and fishing for largemouth bass, bluegill, bream, and other freshwater species. With approximately 215 feet of shoreline and your own massive white sand beach, every day feels like a vacation without ever leaving home. Additional features include a spacious two-car garage, a private well supplying an eight-zone irrigation system, and no HOA restrictions.
You'll enjoy exceptional privacy while still being conveniently located just 20 minutes from Lynn Haven, providing easy access to shopping, dining, schools, and everyday conveniences. As you make your way home, you'll pass the Greenhead Fire Department, a nearby amenity that contributes to more favorable homeowner's insurance rates, followed by scenic horse pastures that set the tone for the peaceful surroundings ahead. Tucked away on the shores of Spring Pond, this exceptional property offers a rare combination of privacy, natural beauty, and waterfront living.
Whether you're spending your days relaxing on your private white sand beach, fishing from your backyard, or simply taking in the tranquil views, this is a place where life moves at a slower pace. If you've been dreaming of a home where modern comfort meets the serenity of nature, this one-of-a-kind waterfront retreat is ready to welcome you home. This is more than a waterfront home; it's your own private freshwater paradise.
All 75 photos
Description provided by ERA Neubauer Real Estate, Inc and reproduced from the MLS; not independently verified.
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for Chipley, FL. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $2,921/mo 78%
- Taxes $625/mo 17%
- Insurance $179/mo 5%
$3,725/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Central Panhandle AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 2970 Woodymarion Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $1,800/yr (certified county roll, taxable value × millage). Buy at the asking price of $539,000 and the first-year bill resets to about $7,500/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.35 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Washington County is $1,599/yr (116 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$3,000/yr; neither is a quote. Flood: this address maps to FEMA zone A, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2016. An original roof is about 10 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Washington County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 2016BuiltPer public record
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
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Listed by ERA Neubauer Real Estate, Inc · MLS # 793332
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Similar homes for sale near Chipley
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
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More on Washington County
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Assigned schools
Schools currently assigned to this address in Washington County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
What homes sell for in 32428 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 2970 Woodymarion Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2016: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- FEMA flood zone A: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- Get a homeowners insurance quote for this specific address in Washington County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $7,500/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,700 more per year than the current owner’s estimated bill (+317%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | CPAR, checked against the MLS hourly (last: November 11, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone A shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of CPAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 2970 Woodymarion Drive and when was it built?
Per the listing record, 2970 Woodymarion Drive was built in 2016 and has 3 bedrooms and 2 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2970 Woodymarion Drive in?
2970 Woodymarion Drive is in Chipley, Washington County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 2970 Woodymarion Drive differ from the current owner's?
The estimate on this page (about $7,500 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,700 more per year than the current owner’s estimated bill (+317%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 2970 Woodymarion Drive in a flood zone?
The FEMA flood map places this parcel in Zone A, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 2970 Woodymarion Drive in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Central Panhandle Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Central Panhandle Association of REALTORS®. © 2026 Central Panhandle Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.