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Harrison Lilly

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

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3445 Cardinal Pl , Chipley, FL 32428
$349,900
Est. Payment: $1,774.44/mo
3 Bed
2 Bath
1379 Sqft
Status: active | Days on site: 2
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House 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.

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
1.7

HOA Fee

250 Annually

Year Built

2023

County

Washington

Area

10 - Washington County

Neighborhood

Leisure Lakes 1st Add

Listing ID

794153

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven, Electric Water Heater
Air Cond:Central Air,Heat Pump
Fireplaces:
Other:
  • Additional:Main Level Primary, Shower Only, Walk-In Closet(s), Workshop

Exterior Features

Lot:Paved
Lot Dimensions:150x300x300x225
Zoning:Resid Single Family
Roof:Composition,Shingle
Others:
  • Additional:Covered Patio
Principal Interest
$1,774
Taxes
$120
HOA
$250

Home Price

$349,900

Loan Details

30 yrs
6.528%

Down Payment

20%
$69,980
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:
$1,774.44

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,774.44 $119.69 $250.00 $2,144.13
Yearly $21,293.31 $1,436.28 $3,000.00 $25,729.59
Total $638,799.29 $43,088.40 $90,000.00 $771,887.69

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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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

© 2026 Bay County Association of REALTORS