3445 Cardinal Place, Chipley, FL 32428 (MLS# 794153)

3445 Cardinal Place, Chipley, FL 32428

New Listing

$349,900

A covered porch with gutters make for a pleasant sitting area during rain showers.

The area leading to the front door is landscaped including lighting.

It is a 3 bedroom, 2 bath house in a split bedroom design.

A log concrete apron leads up to the 2-car garage.

This is the view of the home taken from the front door.

Timeless kitchen includes lots of white cabinets, granite, breakfast bar, stainless appliances, and a pot filler faucet that is adjustable.

The large stainless sink has a window above it that provides a good view of the back yard woods.

In the kitchen island there are storage drawers and doors.

Cooking is faster with a convection oven.

The vent hood exhausts stove heat to the outside.

This is a view from the kitchen looking toward the front door.

Besides a huge ceiling fan, there are hidden lights above the crown molding.

The huge ceiling fans moves a lot of air in the main living area.

The concrete back patio is 16x26 and has ceiling fans and electric power. This would be a great place for grilling and outside entertaining.

This outdoor living area can be enjoyed most every day, rain or shine.

There is power and water to the pole barn. It also has plumbing that connects to the septic tank. There is a 30 amp plug to hook up a camper.

The 10x20 shed has electricity for lighting and tools.

The pump house sits near the wood line that was left natural.

The well house was built to blend in with the house.

The well is insulated for nights that get below freezing.

The home is at the corner of Quail Ridge Drive and Cardinal Place where the driveway begins.

The corner lot has been partially cleared but is almost hidden from people driving past the house.

The sod is looking good toward the back woods.

In the primary bedroom the king size bed is flanked by two windows.

There is a pocket door that opens to the bathroom suite.

The master bedroom shower has sliding glass doors, and surrounded by stone.

The large walk-in master closet is in the bathroom and features wire shelving on 3 sides.

The granite matches that of the kitchen and hall bathroom.

The master bathroom is well lit and helped by another window.

There is ample room in the utility room for a freezer and more storage.

The utility room is just off the entrance from the 2-car garage. It includes a sink to wash up before coming into other areas of the house.

The third bedroom is on the right back corner of the house.

The third bedroom is currently used as an office.

The second bedroom is at the right front corner of the house.

The hallway bathroom separates the two extra bedrooms.

The hall bathroom has a tub/shower combo and a window for extra natural lighting.

The tennis court is located on the other side of the basketball court. One of the amenities at the recreation area on the big lake.

This is the security gated entrance to the lake subdivision.

The covered pavilion also has men's and women's restrooms.

The concrete boat launch makes it easy to get in and out of the water.

This is the scene of many family picnics.

This is perhaps the most fun way to explore the lakes.

New playground equipment has been installed.

The toddler playground's sandy surface makes for smoother landings.

There is some shade over the playground provided by the oak trees.

Come swing a while as the kids and grandkids play.

The tennis court is fenced and ready for action.

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,379 Lot Size (sq. ft.): 74,052 Status: Active

Current Price: $349,900 List Date: 8/17/2026 Last Modified: 8/17/2026

Overview

Description

This 3-year old home still shines like new in the security gated lake subdivision of Leisure Lakes, a hidden gem about 30 minutes north of Panama City. A split bedroom design, it has 3 bedrooms and 2 bathrooms with a 2-car garage. Situated on 1.7 acres on a corner lot, it is still partially wooded for extra privacy. It is very difficult to see the house from both roads it fronts. Concrete siding boards provide strength and extra insulation. Along with 9-foot ceilings and a big trey ceiling in the living room, it helps keep the house cool. The flooring is covered with luxury vinyl planking that is durable and easy to clean. The kitchen features lots of white cabinetry, granite, breakfast bar, island with extra drawers and doors, and stainless steel appliances. There is a window above the large sink that offers views of the back woods, and the 16 x 26 covered concrete patio used as outdoor entertaining and grilling. There is a pot filler on the wall above the stove. The microwave has bee … (Read more)

Listing Details MLS# 794153

Contract Info

List Price/SqFt: 253.73

Location

Area: 10 – Washington County
Street #: 3445
Street Name: Cardinal
Street Suffix: Place
State: FL
Zip Code: 32428
County: Washington
Sub Area: 1002 – Washington SE
Subdivision: Leisure Lakes 1st Add
Community/Resort: None
Waterfront: No
Parcel ID: 00000000-00-4151-0155
Elementary School: Vernon Elementary
Middle School: Vernon
High School: Vernon
Directions: From Panama City, go north on Hwy 77, cross Hwy 20, go about 3 miles to left on Chain Lake Road, and go about 3 miles to the security gated entrance.
Legal Description: LOT B-155 LEISURE LAKES 1ST ADD REC PLAT, ORB 1213 P 871,

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 1379
SqFt Source: Prop App Site
Full Baths: 2
Total Baths: 2
# of Stories in Building: Yes
Accessory Dwelling Unit: No
Year Built: 2023
Immediate Occupancy: Yes
Pre-Const Flip: No
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Driveway Spaces: 2
Lot Dimensions: 150x300x300x225
Acreage: 1.7
Lot Size (SqFt): 74052
Pool: No

Listing Info, Tax and Legal

Homestead: Yes
HOA Fee: Yes
HOA Amount: 250
HOA Frequency: Annually
HOA Annual Amount: 250
Is Subject Leased: No
New Buyer Fee: Yes
New Buyer Fee Amt: 200
New Buyer Fee Paid: $
Last Taxes: 1436.28
Last Tax Year: 2025
Brokerage Interest: No Interest
As Is: Yes

Remarks & Misc

Remarks: This 3-year old home still shines like new in the security gated lake subdivision of Leisure Lakes, a hidden gem about 30 minutes north of Panama City. A split bedroom design, it has 3 bedrooms and 2 bathrooms with a 2-car garage. Situated on 1.7 acres on a corner lot, it is still partially wooded for extra privacy. It is very difficult to see the house from both roads it fronts. Concrete siding boards provide strength and extra insulation. Along with 9-foot ceilings and a big trey ceiling in the living room, it helps keep the house cool. The flooring is covered with luxury vinyl planking that is durable and easy to clean. The kitchen features lots of white cabinetry, granite, breakfast bar, island with extra drawers and doors, and stainless steel appliances. There is a window above the large sink that offers views of the back woods, and the 16 x 26 covered concrete patio used as outdoor entertaining and grilling. There is a pot filler on the wall above the stove. The microwave has been vented through the roof but hidden by cabinets. The primary bedroom has room for a king bed and can be flanked by two windows. A pocket door opens to the bathroom suite that features a big walk-in closet, stone shower with double glass doors. The tall pole barn has water, power, a 30 amp service plug for a camper, and offer a pipeline connected to the septic tank. The enclosed storage building has electric power for lighting and tools. Live security guards are on duty weekdays, at other times residents have a special entry code. Enjoy the amenities that include a swimming pool, tennis court, basketball court, toddler playground, covered pavilion, men's and women's restrooms, grill stations and more. Come see if lake living would help you enjoy life.

Deck/Patio

First: Yes

More Information

Workshop

First: Yes

Appliances

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

Interior Features

Breakfast Bar: Yes
Floor – Vinyl Plank: Yes
Kitchen Island: Yes
Lighting – Recessed: Yes
Split Bedroom: Yes

Construction/Siding

Wood/Frame: Yes
Roof – Composite Shngl: Yes
Structural Concrete Insulated Panels – SCIP: Yes
Trim – Vinyl: Yes

Exterior

Deck Covered: Yes
Double Pane Windows: Yes
Porch Covered: Yes

Other Structures

Pole Barn: Yes
Workshop: Yes

Association Fees Include

BBQ Pit/Grill: Yes
Beach: Yes
Boat Launch: Yes
Fishing: Yes
Gated Community: Yes
Master Association: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes

Furnished

Unfurnished: Yes

Interior

Ceiling – Tray: Yes

Lot Features

Corner Lot: Yes
Covenants & Rescrictions: Yes
Interior Lot: Yes
Subdivision – Recorded: Yes

Lot Access

Comm/Own/Maint: Yes
Paved Road: Yes

Parking Features

Garage Attached: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

Basketball Court: Yes
BBQ Pit/Grill: Yes
Beach: Yes
Boat Launch: Yes
Fishing: Yes
Gated Community: Yes
Pavilion/Gazebo: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes
Tennis: Yes

Rooms

Bedroom: Yes
Deck/Patio: Yes
Workshop: Yes

Utilities

Electricity – Connected: Yes
Private Well: Yes
Septic Tank: Yes
Underground Utilities: Yes

Sale Type

As Is: Yes

Bedroom

First: Yes

Cooling

Central Air: Yes
Electric: Yes
Heat Pump: Yes

Heating

Central: Yes
Electric: Yes
Heat Pump: Yes

Primary Bdrm/Primary Bath

MBath Shower Only: Yes
MBath Walk-In Closet: Yes
MBed First Floor: Yes

Security Features

Gated Community: Yes
Gated with Guard: Yes

Property Features

Appliances: Dishwasher; Microwave; Oven – Electric; Refrigerator; Water Heater – Electric Bedroom: First Cooling: Central Air; Electric; Heat Pump Heating: Central; Electric; Heat Pump Exterior: Deck Covered; Double Pane Windows; Porch Covered Association Fees Include: BBQ Pit/Grill; Beach; Boat Launch; Fishing; Gated Community; Master Association; Picnic Area; Playground; Pool Financing: Cash; Conventional; FHA Furnished: Unfurnished Interior: Ceiling – Tray Lot Features: Corner Lot; Covenants & Rescrictions; Interior Lot; Subdivision – Recorded Lot Access: Comm/Own/Maint; Paved Road Security Features: Gated Community; Gated with Guard Workshop: First Parking Features: Garage Attached Other Structures: Pole Barn; Workshop Association Amenities: Basketball Court; BBQ Pit/Grill; Beach; Boat Launch; Fishing; Gated Community; Pavilion/Gazebo; Picnic Area; Playground; Pool; Tennis Rooms: Bedroom; Deck/Patio; Workshop Sale Type: As Is Utilities: Electricity – Connected; Private Well; Septic Tank; Underground Utilities Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Deck/Patio	First	26 x 16	26.00	16.00
Bedroom	First	14 x 14	14.00	14.00
Workshop	First	20 x 12	20.00	12.00

Listing Office: Counts Real Estate Group

Last Updated: August – 17 – 2026

Information deemed reliable but not guaranteed.