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$349,900
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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.
Full Property Details
Full Property Details for 3445 Cardinal Pl
General
- Price: $349,900
- HOA FEE: $21/month
- HOA FEE FREQ.: Annually
- Taxes: $1,436 (2025)
- Status: Active
- Type: Single Family
- Source: Bay_County
- MLS ID: 794153
- Updated: 8/17/2026
- Added to Site: 54 day(s) ago
Interior
- Number of Rooms: 3
- Interior Features: Main Level Primary, Shower Only, Walk-In Closet(s), Workshop
- Appliances: Electric Oven, Electric Water Heater
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
Bedrooms
- Total Bedrooms: 3
Additional Information
- Shared Amenities: Beach Rights, Gated, Gazebo, Barbecue, Picnic Area
- Pool: Yes
- Pool Description: Community
- Tennis: Yes
- Security/Safety: Gated with Guard, Gated Community
Exterior
- Exterior Features: Covered Patio
- Porch/Patio/Deck: Deck, Covered, Porch
Parking
- Garage: Yes
- Garage Spaces: 2
Location
- County: Washington
- Subdivision: Leisure Lakes 1st Add
- Driving 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.
School Information
- Elementary School: Vernon Elementary
- Middle School: Vernon
- High School: Vernon
Community
- Community Name: 10 - Washington County
- Association: Yes
- Assoc. Fees Include: Association Management, Boat Ramp, Fishing Rights, Playground, Pool(s)
Heating & Cooling
- Central air: Yes
- Air Conditioning: Yes
- Cooling Type: Central Air, Heat Pump
- Heating Type: Central, Electric, Heat Pump
Utilities
- Utility Description: Electricity Available, Underground Utilities
Structural Information
- Architectural Style: Craftsman
- Construction: Structural Insulated Panels, Vinyl Siding, Wood Frame
- Roof: Composition, Shingle
- Windows: Double Pane Windows
- Stories/Levels: 1
- Sq. Ft. Source: Appraiser
- Year Built: 2023
Additional Structures
- Other Structures: Workshop
Lot Features
- Lot Size (Acres): 1.7
- Lot Size (Sq. Ft.): 74,052
- Lot Size: 1.7
- Lot Dimensions: 150 x 300 x 300 x 225
- Lot Features: Paved
- Zoning: Resid Single Family
Water Features
- Boat Dock Slip: Yes
Financial Considerations
- Association Fee: $250
- Assoc Fee Freq.: Annually
- Tax Amount: $1,436.28
- Tax Year: 2025
Disclosures and Reports
- Special Conditions: Listed As-Is
- Legal Description: LOT B-155 LEISURE LAKES 1ST ADD REC PLAT, ORB 1213 P 871,
- Property ID: 00000000-00-4151-0155
Listed by Counts Real Estate Group
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Schools
Schools serving 3445 Cardinal Pl
School District:Washington County School District, Vernon, FL
| Name | Grades | Distance |
|---|---|---|
Vernon Elementary School, Vernon, FL 3665 Roche Avenue, Vernon, FL 32462 | PK-4 | 9 mi |
Kate M. Smith Elementary School 1447 South Boulevard, Chipley, FL 32428 | PK-4 | 21.4 mi |
Washington Virtual Franchise 753 West Boulevard, Chipley, FL 32428 | 6-12 | 21.7 mi |
Vernon Middle School 3190 Moss Hill Road, Vernon, FL 32462 | 5-8 | 8 mi |
Roulhac Middle School 1535 Brickyard Road, Chipley, FL 32428 | 5-8 | 20.8 mi |
Vernon High School 3232 Moss Hill Road, Vernon, FL 32462 | 9-12 | 7.9 mi |
Chipley High School 1545 Brickyard Road, Chipley, FL 32428 | 9-12 | 20.8 mi |
Washington Virtual Instruction Program 652 3rd Street, Chipley, FL 32428 | K-12 | 22.3 mi |
Disclaimer:
School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 3445 Cardinal Pl
Date
Details
Price
Change
Source
8/17/2026
Listed
$349,900
963.53%
MLS
7/28/2021
Sold
$32,900
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 3445 Cardinal Pl
3445 Cardinal Place, Chipley, FL 32428 (MLS# 794153) is a Single Family property with 3 bedrooms and 2 full bathrooms. 3445 Cardinal Place is currently listed for $349,900 and was received on August 17, 2026. Want to learn more about 3445 Cardinal Place? Do you have questions about finding other Single Family real estate for sale in Chipley? You can browse all Chipley real estate or contact a Coldwell Banker agent to request more information.

