Crooked Lake
Homes for Sale in Washington County, FL
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of September 2026, Crooked Lake in Chipley, FL has 1 home for sale. As of September 2026, the MLS records 2 closed sales in Crooked Lake in Chipley, FL since 2021, the most recent in June 2026.
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.
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, 124 homes are on the market and 30% are under contract — a steady corner of Chipley.
Across Washington County, 112 homes are active and 47 pending (30% under contract).
ZIP and county figures describe the wider market, not Crooked Lake specifically. Momentum Research analysis of MLS records.
Crooked Lake Market Scorecard
Crooked Lake is currently a thin data market. Limited supply, a median asking price of $144,999, and homes go under contract in about 34 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.
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 2026-09-12, 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.
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 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.
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Should you buy in Crooked Lake?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Crooked Lake with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | CPAR MLS records, as of 2026-09-08 |
| 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.
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.
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