10802 Cedar Ridge Lane, Panama City, FL 32409 (MLS# 785561)

10802 Cedar Ridge Lane, Panama City, FL 32409

$420,000

All Brick Home in Wonderful Subdivision with No HOA.

Cedar Creek Chase Homes have Large Lots Providing Privacy.

Stainless Appliances, New Refrigerator (2024)

Laundry Room - Convenient and Functional

HVAC (Compressor and Air Handler) Replaced in 2022

Oversized Back Yard with Fire Pit and Playset

Boating, Fishing and Swimming Close by at Deer Point Lake.

Property Type: Residential Bedrooms: 4 Baths: 2 Square Footage: 2,291 Lot Size (sq. ft.): 30,492 Status: Under Contract – Taking Backups

Current Price: $420,000 List Date: 5/21/2026 Last Modified: 6/01/2026

Overview

Description

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. This property is the Complete Package – A Charming Home in Cedar Creek Chase Near Deer Point Lake – Spacious Lot, No HOA, & Modern Upgrades! Tucked away on a quiet cul-de-sac and just minutes from beautiful Deer Point Lake, this all brick exterior, 4-bedroom, 2-bath home offers the perfect blend of comfort, functionality, and privacy on a generous .70-acre lot. Ideal for boating and fishing enthusiasts, the location provides both tranquility and convenience–with no HOA to limit your freedom. Step inside to find a spacious great room featuring an impressive 11-foot boxed ceiling, a cozy brick wood-burning fireplace, with doors that open to the back patio–perfect for indoor-outdoor living. The home features luxury vinyl plank (LVP) flooring installed in 2019 in the living room, dining room, and master bedroom, while the three additional bedrooms are carpeted, offering warmth and comfort. The split-bedroom floor plan ensu … (Read more) CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. This property is the Complete Package – A Charming Home in Cedar Creek Chase Near Deer Point Lake – Spacious Lot, No HOA, & Modern Upgrades! Tucked away on a quiet cul-de-sac and just minutes from beautiful Deer Point Lake, this all brick exterior, 4-bedroom, 2-bath home offers the perfect blend of comfort, functionality, and privacy on a generous .70-acre lot. Ideal for boating and fishing enthusiasts, the location provides both tranquility and convenience–with no HOA to limit your freedom. Step inside to find a spacious great room featuring an impressive 11-foot boxed ceiling, a cozy brick wood-burning fireplace, with doors that open to the back patio–perfect for indoor-outdoor living. The home features luxury vinyl plank (LVP) flooring installed in 2019 in the living room, dining room, and master bedroom, while the three additional bedrooms are carpeted, offering warmth and comfort. The split-bedroom floor plan ensures privacy, with a generous master suite that includes an 11 foot box ceiling, double vanities, a walk-in shower, soaking tub, and his-and-her walk-in closets. The kitchen is well-equipped with granite countertops, custom cabinetry, and stainless appliances, including a new refrigerator (2024) and new hot water heater (2025). A breakfast room sits just off the kitchen, along with a formal dining room for entertaining. You’ll also appreciate the large laundry room offering added convenience for busy households. Additional highlights include: roof replaced in 2018; new HVAC system installed in 2022; HVAC ducts and dryer vent cleaned in 2026; crown molding throughout the home; fully fenced backyard; Ring security system; 16×20 workshop with electricity. This well-maintained home is move-in ready with thoughtful updates and a layout ideal for modern living. Don’t miss this opportunity to own a peaceful retreat close to Deer Point Lake with the freedom of no HOA! All sizes and dimensions are approximate and should be verified by the buyer if important.

Listing Details MLS# 785561

Contract Info

List Price/SqFt: 183.33

Location

Area: 04 – Bay County – North
Street #: 10802
Street Name: Cedar Ridge
Street Suffix: Lane
State: FL
Zip Code: 32409
County: Bay
Sub Area: 0410 – Bay North – West Deerpoint/Southport
Subdivision: Cedar Creek Chase Ph 1
Community/Resort: None
Waterfront: No
Parcel ID: 07585-338-000
Elementary School: Deane Bozeman
Middle School: Deane Bozeman
High School: Deane Bozeman
Directions: North on Highway 77. Turn right on Highway 2321 in Southport. Left on Resota Beach Road. Travel 4 miles. Turn right on High Cliff Road. Turn right on Cedar Ridge Lane. Home on the left at the end of the street.
Legal Description: CEDAR CREEK CHASE PH 1 LOT 38 ORB 3439 P 1579

General Property Info

Sub-Type: Detached Single Family
Design: Traditional
Apx SqFt(Htd/Cooled): 2291
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
Year Built: 2008
Immediate Occupancy: Yes
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 95 X 128 X 150 X 70
Acreage: 0.7
Lot Size (SqFt): 30492
Pool: No

Status Change Info

Under Contract Date: 2026-06-01

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: No
New Buyer Fee: No
Last Taxes: 2481
Last Tax Year: 2025
Brokerage Interest: No Interest
Township: Panama City Bea

Remarks & Misc

Remarks: CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. This property is the Complete Package – A Charming Home in Cedar Creek Chase Near Deer Point Lake – Spacious Lot, No HOA, & Modern Upgrades! Tucked away on a quiet cul-de-sac and just minutes from beautiful Deer Point Lake, this all brick exterior, 4-bedroom, 2-bath home offers the perfect blend of comfort, functionality, and privacy on a generous .70-acre lot. Ideal for boating and fishing enthusiasts, the location provides both tranquility and convenience–with no HOA to limit your freedom. Step inside to find a spacious great room featuring an impressive 11-foot boxed ceiling, a cozy brick wood-burning fireplace, with doors that open to the back patio–perfect for indoor-outdoor living. The home features luxury vinyl plank (LVP) flooring installed in 2019 in the living room, dining room, and master bedroom, while the three additional bedrooms are carpeted, offering warmth and comfort. The split-bedroom floor plan ensures privacy, with a generous master suite that includes an 11 foot box ceiling, double vanities, a walk-in shower, soaking tub, and his-and-her walk-in closets. The kitchen is well-equipped with granite countertops, custom cabinetry, and stainless appliances, including a new refrigerator (2024) and new hot water heater (2025). A breakfast room sits just off the kitchen, along with a formal dining room for entertaining. You'll also appreciate the large laundry room offering added convenience for busy households. Additional highlights include: roof replaced in 2018; new HVAC system installed in 2022; HVAC ducts and dryer vent cleaned in 2026; crown molding throughout the home; fully fenced backyard; Ring security system; 16×20 workshop with electricity. This well-maintained home is move-in ready with thoughtful updates and a layout ideal for modern living. Don't miss this opportunity to own a peaceful retreat close to Deer Point Lake with the freedom of no HOA! All sizes and dimensions are approximate and should be verified by the buyer if important.

More Information

Breakfast Room

First: Yes

Dining Room

First: Yes

Garage

First: Yes

Great Room

First: Yes

Laundry

First: Yes

Master Bathroom

First: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Microwave: Yes
Oven – Electric: Yes
Range – Electric: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

Interior Features

Breakfast Bar: Yes
Ceiling – Crwn Molding: Yes
Fireplace: Yes
Floor – Tile: Yes
Floor – Vinyl Plank: Yes
Pull Down Stairs: Yes
Security System: Yes
Split Bedroom: Yes
Window – Treatment All: Yes

Construction/Siding

Brick Veneer: Yes
Foundation – Slab on Grade: Yes
Roof – Dimensional Shg: Yes
Roof – Gutters: Yes
Trim – Vinyl: Yes

Exterior

Columns: Yes
Fenced Back Yard: Yes
Fenced Privacy: Yes
Fire Pit: Yes
Sprinkler System: Yes

Other Structures

Pergola: Yes
Shed(s): Yes

Financing

Cash: Yes
Conventional: Yes
VA: Yes

Furnished

Unfurnished: Yes

Interior

Ceiling – Tray: Yes
Floor – Carpet: Yes

Kitchen

First: Yes

Lot Features

Covenants & Rescrictions: Yes
Cul-De-Sac: Yes
Flood Insurance Req: Yes
Near Public Boat Ramp: Yes
Subdivision – Recorded: Yes
Wooded: Yes

Lot Access

Paved Road: Yes

Parking Features

Driveway: Yes
Garage Attached: Yes
Garage Door Opener: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Garden Tub: Yes
MBath Separate Shwr: Yes
MBath Walk-In Closet: Yes
MBed First Floor: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Breakfast Room: Yes
Dining Room: Yes
Garage: Yes
Great Room: Yes
Kitchen: Yes
Laundry: Yes
Master Bathroom: Yes
Master Bedroom: Yes

Utilities

Electricity – Connected: Yes
Public Water – Connected: Yes
Septic Tank: Yes
Underground Utilities: Yes

Sale Type

As Is: Yes

Master Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes
Fireplace – Wood Burning: Yes

Security Features

Security System: Yes
Smoke Detector(s): Yes

Property Features

Appliances: Dishwasher; Disposal; Microwave; Oven – Electric; Range – Electric; Refrigerator; Water Heater – Electric Master Bedroom: First Bedroom: First Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric; Fireplace – Wood Burning Exterior: Columns; Fenced Back Yard; Fenced Privacy; Fire Pit; Sprinkler System Financing: Cash; Conventional; VA Furnished: Unfurnished Interior: Ceiling – Tray; Floor – Carpet Kitchen: First Lot Features: Covenants & Rescrictions; Cul-De-Sac; Flood Insurance Req; Near Public Boat Ramp; Subdivision – Recorded; Wooded Lot Access: Paved Road Breakfast Room: First Master Bathroom: First Dining Room: First Great Room: First Garage: First Laundry: First Security Features: Security System; Smoke Detector(s) Parking Features: Driveway; Garage Attached; Garage Door Opener Other Structures: Pergola; Shed(s) Rooms: Bedroom; Breakfast Room; Dining Room; Garage; Great Room; Kitchen; Laundry; Master Bathroom; Master Bedroom Sale Type: As Is Utilities: Electricity – Connected; Public Water – Connected; Septic Tank; Underground Utilities Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Master Bedroom	First	18.2 x 13.6	18.20	13.60
Bedroom	First	11.4 x 11.1	11.40	11.10
Bedroom	First	10.6 x 9.1	10.60	9.10
Bedroom	First	12 x 11.4	12.00	11.40
Kitchen	First	12.6 x 11.4	12.60	11.40
Breakfast Room	First	13.4 x 11.4	13.40	11.40
Dining Room	First	11.3 x 11	11.30	11.00
Great Room	First	21 x 20.6	21.00	20.60
Master Bathroom	First	18.2 x 12	18.20	12.00
Laundry	First	10 x 5.1	10.00	5.10
Garage	First	22 x 21.8	22.00	21.80

Listing Office: Miller & Associates Realty

Last Updated: June – 01 – 2026

Information deemed reliable but not guaranteed.