Crooked Lake
Homes for Sale in Chipley, FL
All 18 homes for sale in Chipley, FL · median $204,950 · 125 homes for sale in 32428 · Washington County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of November 2026, Crooked Lake in Chipley, FL has 1 home for sale. As of November 2026, the MLS records 2 closed sales in Crooked Lake in Chipley, FL since 2021, the most recent in June 2026. Across Chipley as a whole, 65 homes closed in the last 12 months at a median of $232,750, 65 median days on market, with 71 homes for sale today. At that median and Washington County's FY2025-26 rate of 15.35 mills, annual property tax runs about $3,570 ($2,970 with the full homestead exemption).
Crooked Lake sits in Chipley, Washington County, and current MLS data does not surface a defined set of community amenities tied to listings here. That absence is itself informative: this reads as a lake-adjacent, low-structure setting rather than a managed or amenitized community, and pricing on any given listing will be driven mostly by the specific parcel, water access, and home condition rather than a shared amenity package.
For a buyer, that means due diligence has to happen at the individual property level — lake frontage, lot characteristics, and structural condition will matter more than anything a community brochure would tell you. For a seller, it means the listing itself has to do the work of establishing value, since there is no built-in amenity narrative to lean on.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
Crooked Lake is a Chipley address in Washington County with no identified community amenities in current MLS listings, pointing to a setting defined by the lake and individual properties rather than shared infrastructure.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Crooked Lake is best for.
Best for
- Buyers focused on lake proximity in Washington County rather than community amenities
- Buyers comfortable doing property-specific diligence on frontage and access
- Buyers seeking a less structured, unincorporated-feel setting near Chipley
Probably not for
- Buyers who want a documented amenity package as part of the purchase decision
- Buyers expecting HOA-managed shared facilities or recreation
- Buyers unwilling to independently verify lake access or lot specifics before offering
The market around Crooked Lake
Crooked Lake is too small for its own price trend, so here is the market around it.
In ZIP 32428, 115 homes are on the market and 24% are under contract — a steady corner of Chipley.
Across Washington County, 114 homes are active and 37 pending (24% under contract).
In ZIP 32428 (Chipley), 65 homes closed in the last 12 months at a median of $233K, with a median 65 days on market. Right now 71 active and 16 pending listings put supply at about 13.1 months — a buyer's market. See the live ZIP 32428 housing market and the Washington County market.
ZIP and county figures describe the wider market, not Crooked Lake specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Crooked Lake
Live MLS inventory for Crooked Lake. 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 Crooked Lake listings as of 2026-11-12, 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.
The Crooked Lake buying strategy.
If we were buying in Crooked Lake 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 Crooked Lake.
What Crooked Lake actually is right now
There is no evidence in current listings of an HOA-style amenity package, clubhouse, or organized recreation tied to Crooked Lake. That is a meaningful data point on its own — it suggests a more informal, unincorporated feel typical of Washington County lake settings rather than a planned subdivision.
Anyone evaluating this address should treat it as a location and lake-access play first. Confirm directly what frontage, dock rights, or shared access (if any) come with a specific parcel, since none of that can be assumed at the community level from the data available.
The location and the amenities are priced into every listing in Crooked Lake. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a setting like Crooked Lake, where there is no standard amenity package to compare against, the work is in verifying what each individual property actually offers — lake access, lot lines, and condition — rather than relying on community-level assumptions. We do that diligence directly rather than repeating listing copy.
Crooked Lake in 15 seconds.
Tools for a Crooked Lake 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 Crooked Lake sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Crooked Lake, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Crooked Lake home worth?
Get a no-obligation home value based on real comparable sales in Crooked Lake, 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 all homes for sale in Chipley →
Should you buy in Crooked Lake?
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: November 12, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2021 (2 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.
Recent Developments in Crooked Lake
Development, infrastructure, retail, and school activity affecting Crooked Lake, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Infrastructure
Bay County approves $940K fire engine for new Fountain-area station on Highway 20
Commissioners approved the engine on October 20, funded by impact fees and federal money. The Highway 20 station is expected to open in March with 24/7 staffing, an ambulance and a 2,000 to 3,000 gallon water tanker because the area lacks hydrants.
What it may mean for the marketA staffed station on Highway 20 adds emergency-service coverage for the growing northeast Bay County area. The site is about 8 miles southeast of Crooked Lake.
Source: WJHG - June 2026Civic
Ribbon cutting marks Chipley's historic Mongoven Building turned public gathering space
The City of Chipley and the Washington County Chamber of Commerce held a June 22 ribbon cutting for the restored 1905 Mongoven Building, formerly the First National Bank, in downtown Chipley. The restoration preserved the original bank vault, fireplace faces, and central column and converted the site into a public gathering space.
What it may mean for the marketA restored downtown Chipley landmark adds a public gathering space and supports ongoing downtown revitalization. The project is about 16 miles north of Crooked Lake, elsewhere in Washington County.
Source: Washington County News
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
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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.