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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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3421 Quail Ridge Dr , Chipley, FL 32428
$449,900
Est. Payment: $2,281.81/mo
3 Bed
3 Bath
1890 Sqft
Status: active | Days on site: 1
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

This has to be one of the nicest waterfront houses in Leisure Lakes, and the only one with a full basement. This was a custom build and only about 2 years old. It has plenty of room with 3 bedrooms and 3 full bathrooms for family and guests. No corners were cut in the construction phase including downstairs that has a recreation room, full bathroom, bedroom, and a garage door to pull in your four wheelers, ATVs, golf cart and whatever needs covered storage. The concrete driveway winds down to the front porch, or more parking is available adjacent to the massive concrete patio. The front porch is covered that offers a nice view of sunsets over a landscaped lawn that includes many pallets of centipede sod. Upon entry there is a sitting area with double windows that looks so relaxing for reading or quiet time. The modern kitchen is huge and features granite counter tops and island, soft touch closing cabinet doors, large stainless steel sink, wall oven, big microwave, and a cook top that has a popup downdraft to remove any heat and smoke from cooking. Eat at the island or at the table beside a large window pane with views of the spring-fed lake. At lakeside is a dock with a platform with engineered boards created to last. The main master suite is on the first floor just off the sitting area. It has 2 windows to let in extra lighting and faces to the west, a walk-in closet with wire shelving and the only room with carpeting. All other flooring is durable LVP. The suite bathroom has granite over the counter, and the tile shower has sliding glass doors, along with a corner seat and a recessed space for soap and shampoo. The utility room is large enough for a washer, dryer and storage cabinet. There is a set of pull-down steps that go into the attic, with much of the space has wood flooring so it can be walked on and used for storage of seasonal items. There is an additional bedroom and full bathroom just off the dining area for family or guests. Downstairs has a game room that the owners used to set up a pool table. The door in the game room leads out to the concrete patio and a great place to grill, hang out and entertain. There is also a bedroom and full bathroom that has a shower with a seat. Upon opening the garage door there is plenty of room for a work bench, tools, lawn equipment and other items that would normally go into an outside shed. There is another closet under the stairway. Another room is where the air handler and hot water heater is set up. There is also shelving and more storage area. All of this is in the security gated subdivision about 30 minutes north of Panama City, just off Hwy 77. Gate guards are on duty weekdays, and residents have a unique code for entry when guards are not present.

Highlights

Listed by Harvey B Webb , 850-703-3028 Counts Real Estate Group , 850-248-3615. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
1

HOA Fee

Year Built

2024

County

Washington

Area

10 - Washington County

Neighborhood

Leisure Lakes 1st Add

Listing ID

791965

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Down Draft, Electric Cooktop, Electric Oven
Air Cond:Central Air,Ceiling Fan(s),Heat Pump
Fireplaces:
Other:
  • Additional:Main Level Primary, Shower Only, Walk-In Closet(s)

Exterior Features

Lot:Paved
Lot Dimensions:112x341x335x87
Zoning:Horses Allowed, Resid Single Family
Roof:Shingle
Others:
  • Additional:Deck
Parking Features:Paved
Principal Interest
$2,282
Taxes
$263
HOA
$0

Home Price

$449,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$89,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,281.81

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,281.81 $262.59 $0.00 $2,544.40
Yearly $27,381.69 $3,151.12 $0.00 $30,532.81
Total $821,450.85 $94,533.60 $0.00 $915,984.45

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Chipley, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:33:19.000Z

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