3445 Cardinal Pl, Chipley, FL 32428
Property image
Property image
FOR SALE
1.7 ACRES

$349,900

  • 3 Beds
  • 2 Baths
  • 1,379 sqft (on 1.70 acres)

3445 Cardinal Pl, Chipley, FL 32428

Est. Mortgage $2,325/mo*
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Home Highlights

Single-Family Home
Built in 2023
1.7 acre lot
$254/sqft
Garage
HOA $21/mo

Local Information

  • Map ViewExplore the area around 3445 Cardinal Pl.
  • Schools1 Preschool School4 Elementary Schools4 Middle Schools4 High Schools
  • Shop & Eat
-- mins to
Commute Destination

About this House

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.
Last check for updates: about 7 hours ago
Listing courtesy of Harvey B Webb, (850) 703-3028
Counts Real Estate Group
Originating MLS: Central Panhandle Association of REALTORS
Source: CPAR, MLS#794153
Also Listed on CPAR.

Home Details for 3445 Cardinal Pl

Interior Features

Interior Details
Number of Rooms: 3Types of Rooms: Bedroom, Patio, Workshop
Beds & Baths
Number of Bedrooms: 3Number of Bathrooms: 2Number of Bathrooms (full): 2
Appliances & Utilities
Utilities: Electricity Available, Underground UtilitiesAppliances: Electric Oven, Electric Water Heater
Heating & Cooling
Heating: Central,Electric,Heat PumpHas CoolingAir Conditioning: Central Air,Heat PumpHas HeatingHeating Fuel: Central
Gas & Electric
Has Electric on Property
Windows, Doors, Floors & Walls
Window: Double Pane Windows
Levels, Entrance, & Accessibility
Stories: 1Number of Stories: 1Levels: One
Security
Security: Gated with Guard, Gated Community

Exterior Features

Exterior Home Features
Roof: Composition ShinglePatio / Porch: Deck, Covered, PorchOther Structures: WorkshopExterior: Covered Patio
Parking & Garage
Number of Garage Spaces: 2Number of Covered Spaces: 2Has a GarageNo Attached GarageParking Spaces: 2Parking: Garage
Pool
Pool: Community
Frontage
Not on Waterfront

Days on Market

Cumulative Days on Market: 6Days on Market: 20

Property Information

Year Built
Year Built: 2023
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceArchitecture: Craftsman
Building
Construction Materials: Structural Insulated Panels, Vinyl Siding, Wood FrameNot a New Construction
Property Information
Parcel Number: 000000000041510155

Price & Status

Price
List Price: $349,900Price Per Sqft: $254

Active Status

MLS Status: Active

Location

Direction & Address
City: ChipleyCommunity: Leisure Lakes 1st Add
School Information
Elementary School: Vernon ElementaryJr High / Middle School: VernonHigh School: Vernon

Agent Information

Listing Agent
Listing ID: 794153

Building

Building Area
Building Area: 1379 Square Feet

Community

Community Features: Barbecue, Basketball Court, Beach, Boat Facilities, Fishing, Playground, Park, Pool, Tennis Court(s), Gated
Other
Playground

HOA

HOA Fee Includes: Association Management, Boat Ramp, Fishing Rights, Playground, Pool(s)Association for this Listing: Central Panhandle Association of REALTORSHas an HOAHOA Fee: $250/Annually

Lot Information

Lot Area: 1.7 Acres

Listing Info

Special Conditions: Listed As-Is

Rental Terms, Policies & Fees

Are Units Furnished: None

Miscellaneous

Mls Number: 794153Living Area Range Units: Square FeetAbove Grade Unfinished Area Units: Square FeetBelow Grade Unfinished Area Units: Square FeetUniversal Property Id: US-12133-N-000000000041510155-R-N

Additional Information

HOA Amenities: Beach Rights,Gated,Gazebo,Barbecue,Picnic Area

Around this home

What Locals Say about Chipley

At least 24 Trulia users voted on each feature.

  • 92 % Say yards are well-kept

  • 88 % Say car is needed

  • 86 % Say parking is easy

  • 86 % Say there's holiday spirit

  • 83 % Say it's quiet

  • 64 % Say people would walk alone at night

  • 62 % Say it's dog friendly

  • 55 % Say kids play outside

  • 53 % Say there's wildlife

  • 51 % Say neighbors are friendly

  • 50 % Say there are sidewalks

  • 48 % Say they plan to stay for at least 5 years

  • 41 % Say it's walkable to grocery stores

  • 34 % Say streets are well-lit

  • 31 % Say it's walkable to restaurants

  • 29 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.
  • Merissa Woods
    "I don’t have a neighborhood I live out in the woods, but Chipley itself is very good for dogs and walking dogs in the sidewalks and the capabilities of doing that. "
    0
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  • Mandi W.
    "golf course, ponds, lakes, dirt roads, Halloween tons of tricker treating. keep main grass area cut. looks very homie"
    0
    Flag
  • Carol
    "I have lived in this neighborhood for three years. Our neighbors seem to be very nice. There is government housing down the road and a lot of people walk up and down the sidewalks. All seem to be nice. "
    1
    Flag
  • Tonya G. H.
    "if you like a country feel but still belong to a community this is the place. Woods and ponds to explore but also have neighbors and community functions. "
    0
    Flag
  • Kayla H.
    "Home town feeling wether it is your home town or not. Your neighbor is my neighbor. If you ever need a helping hand just reach out they are everywhere here."
    0
    Flag
  • Dafuss39
    "I live at the end of the road on the lake with traffic no trick-or-treaters and no visitors very safe neighborhood"
    1
    Flag
  • Troyrackley
    "This area is a great place to walk your dog. Courteous neighbors, friendly passers-by, and a lovely area overall. I would highly recommend living here. "
    0
    Flag
  • Wanda S.
    "It's okay, it's a long way to town, but you get used to it. We have a general store, a volunteer fire department, a library, and a Baptist Mission. We are also surrounded by nearby churches in neighboring areas. We have a fresh spring lake nearby, great for camping and cookouts if you have an ATV. Dependable transportation is a MUST. Military Retirees especially welcome. I'm a vet, and would LOVE some friendly, Christ Loving Peers. Must Love Animals (4 legged types.) i'm at 537. Come on by."
    0
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  • Peaden
    "Great hunting, fishing, swimming, golfing. Very quiet area. Low crime. 35 miles to beaches. "
    0
    Flag

Market trends in Chipley

Last updated July 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
—
Sale-to-List Price
—
Price per sq ft
—
Available listings
111
1MoM

Home Value

Trulia Estimate
$342K
Since last month
Increased$41K (+13.4%)
Since last year
Increased$46K (+15.3%)
Since last sale
Increased$312K (+947.7%)
Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.

Trulia Estimate

The of this home's value increased by +15% in the last 10 years
MonthEstimated value
2026
August 2026$345K
August 2026$342K
July 2026$304K
June 2026$305K
May 2026$302K
April 2026$300K
March 2026$297K
February 2026$290K
January 2026$286K
2025

Comparable sales

These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.
Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
3457 Quail Ridge Dr, Chipley, FL
0.08
Single-Family Home
$318,000
02/09/26
3
2
1,508
3376 Fawn Pl, Chipley, FL
0.48
Single-Family Home
$222,500
06/30/26
3
2
1,285
3399 Quail Ridge Dr, Chipley, FL
0.27
Single-Family Home
$475,000
04/20/26
4
3
2,294
3361 Fawn Pl, Chipley, FL
0.55
Single-Family Home
$299,999
09/22/25
2
2
1,408
3320 Eagle Ct, Chipley, FL
0.70
Single-Family Home
$340,000
04/15/26
3
2
1,727
4526 Leisure Lakes Dr, Chipley, FL
0.78
Single-Family Home
$322,000
08/28/26
4
2.5
2,180
3359 Antler Trl, Chipley, FL
1.05
Single-Family Home
$399,900
10/08/25
3
2
1,785
4812 Derby Dr, Chipley, FL
1.29
Single-Family Home
$340,000
02/17/26
3
2
1,489

Nearby home prices

Get a sense of expected prices in the area by checking the value of nearby homes.
Address
Distance
Price
Bed
Bath
Sqft
Status
3457 Quail Ridge Dr, Chipley, FL 32428
0.08
$318,000
3
2
1,508
Recently Sold
Safari Ct, Chipley, FL 32428
0.15
-
-
-
-
Off Market
3421 Quail Ridge Dr, Chipley, FL 32428
0.17
$449,900
3
3
1,890
For Sale
3403 Quail Ridge Dr, Chipley, FL 32428
0.23
$289,900
3
2
1,838
Off Market
3491 Quail Ridge Dr, Chipley, FL 32428
0.19
$225,200
2
1
1,056
Off Market
3399 Quail Ridge Dr, Chipley, FL 32428
0.27
$475,000
4
3
2,294
Recently Sold
3335 Native Dancer Trl, Chipley, FL 32428
0.31
$318,200
3
2
1,485
Off Market
3320 Cardinal Pl, Chipley, FL 32428
0.27
$165,000
3
2
1,714
Recently Sold
3515 Quail Ridge Dr, Chipley, FL 32428
0.28
$200,000
3
2
1,773
For Sale
3517 QUAIL RIDGE DRIVE LOT A-62, Chipley, FL 32428
0.30
-
-
-
-
Off Market
3340 Native Dancer Trl, Chipley, FL 32428
0.36
$115,000
3
3
1,904
Recently Sold

Price and Tax history

DateEventPrice
Aug 17, 2026
Source: CPAR #794153
Listed For Sale
$349,900
Jul 29, 2021
Source: N/A
Sold
$32,900
Feb 6, 2020
Source: N/A
Sold
$22,000

LGBTQ Local Legal Protections

Harvey B Webb, Counts Real Estate Group
Agent Phone: (850) 703-3028
IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS.

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Frequently asked questions about 3445 Cardinal Pl

  • What is the estimated monthly payment for 3445 Cardinal Pl?
    Based on a $349,900 list price with 20% down at today's rates, the estimated monthly payment for 3445 Cardinal Pl in Chipley, FL is approximately $2,345 (about $1,844 principal & interest, $426 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
  • What do residents say about Chipley?
    Residents describe Chipley, FL as well-kept, easy to park in, and quiet. Most residents say you need a car. See homes for sale in Chipley, FL.
  • What are the closest schools to 3445 Cardinal Pl?
    The closest schools to 3445 Cardinal Pl in Chipley, FL are Chipley High School (rated 4/10), Kate M. Smith Elementary School (rated 4/10), Roulhac Middle School (rated 7/10).
  • What is 3445 Cardinal Pl estimated to be worth?
    Trulia's estimated value for 3445 Cardinal Pl in Chipley, FL is $342,400.
  • Does 3445 Cardinal Pl have air conditioning?
    Yes, 3445 Cardinal Pl in Chipley, FL has air conditioning.
  • Does 3445 Cardinal Pl have a pool?
    Yes, 3445 Cardinal Pl in Chipley, FL has a pool.
3445 Cardinal Pl, Chipley, FL 32428 is a 3 bedroom, 2 bathroom, 1,379 sqft single-family home built in 2023. This property is currently available for sale and was listed by CPAR on Aug 17, 2026. The MLS # for this home is MLS# 794153.