3445 Cardinal Place, Chipley, FL 32428

$349,900

3445 Cardinal Place
Chipley, FL 32428
MLS# 794153
3 beds | 2 baths | 1379 sqft

This home is the builder's personal home and includes many extras.

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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.

The garage floor was spruced up last week.

The garage door is extra wide, so if you have a big truck bring it.

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 granite matches that of the kitchen and hall bathroom.

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

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

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.

New glass shower doors were installed last week.

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.

This would be a good place to watch the sun go down.

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

This is the scene of many family picnics.

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

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

This is the smaller of the two lakes inside the subdivision.

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 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 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.

Details

Maps

General Property Info

Acreage: 1.7

Design: Craftsman Style

Lot Size (SqFt): 74052

Apx SqFt(Htd/Cooled): 1379

Immediate Occupancy: Yes

Construction Status: Construction Complete

SqFt Source: Prop App Site

# of Stories in Building: 1

Accessory Dwelling Unit: No

Pre-Const Flip: No

Lot Dimensions: 150x300x300x225

New Construction: No

Garage Y/N: Yes

Garage Spaces: 2

Driveway Spaces: 2

Pool: No

Sub-Type: Detached Single Family

Bedrooms: 3

Full Baths: 2

Total Baths: 2

Year Built: 2023

Contract Info

List Price/SqFt: 253.73

Status: Active

List Date: 2026-08-15

List Price: $349,900

Current Price: $349,900

Location

Sub Area: 1002 - Washington SE

Community/Resort: None

Waterfront: No

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.

Area: 10 - Washington County

Street #: 3445

Street Name: Cardinal

Street Suffix: Place

State: FL

Zip Code: 32428

County: Washington

Subdivision: Leisure Lakes 1st Add

Parcel ID: 00000000-00-4151-0155

Legal Description: LOT B-155 LEISURE LAKES 1ST ADD REC PLAT, ORB 1213 P 871,

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: 1

Workshop

First: 1

Appliances

Dishwasher: 1

Microwave: 1

Oven - Electric: 1

Refrigerator: 1

Water Heater - Electric: 1

Interior Features

Breakfast Bar: 1

Floor - Vinyl Plank: 1

Kitchen Island: 1

Lighting - Recessed: 1

Split Bedroom: 1

Construction/Siding

Wood/Frame: 1

Roof - Composite Shngl: 1

Structural Concrete Insulated Panels - SCIP: 1

Trim - Vinyl: 1

Exterior

Deck Covered: 1

Double Pane Windows: 1

Porch Covered: 1

Other Structures

Pole Barn: 1

Workshop: 1

Association Fees Include

BBQ Pit/Grill: 1

Beach: 1

Boat Launch: 1

Fishing: 1

Gated Community: 1

Master Association: 1

Picnic Area: 1

Playground: 1

Pool: 1

Financing

Cash: 1

Conventional: 1

FHA: 1

Furnished

Unfurnished: 1

Interior

Ceiling - Tray: 1

Lot Features

Corner Lot: 1

Covenants & Rescrictions: 1

Interior Lot: 1

Subdivision - Recorded: 1

Lot Access

Comm/Own/Maint: 1

Paved Road: 1

Parking Features

Garage Attached: 1

Present Zoning

Resid Single Family: 1

Association Amenities

Basketball Court: 1

BBQ Pit/Grill: 1

Beach: 1

Boat Launch: 1

Fishing: 1

Gated Community: 1

Pavilion/Gazebo: 1

Picnic Area: 1

Playground: 1

Pool: 1

Tennis: 1

Rooms

Bedroom: 1

Deck/Patio: 1

Workshop: 1

Utilities

Electricity - Connected: 1

Private Well: 1

Septic Tank: 1

Underground Utilities: 1

Sale Type

As Is: 1

Bedroom

First: 1

Cooling

Central Air: 1

Electric: 1

Heat Pump: 1

Heating

Central: 1

Electric: 1

Heat Pump: 1

Primary Bdrm/Primary Bath

MBath Shower Only: 1

MBath Walk-In Closet: 1

MBed First Floor: 1

Security Features

Gated Community: 1

Gated with Guard: 1

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 - 24 - 2026

Information deemed reliable but not guaranteed.

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