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3421 Quail Ridge Dr, Chipley, FL, 32428

3beds
3baths
1,890sqft
$449,900
$238price/sqft
$3,298/moest. monthly cost
$131,920/yrincome needed

About This Home

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.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

4/10
Vernon Elementary SchoolGrades PK-58.8 mi
5/10
Vernon Middle SchoolGrades 6-87.9 mi
3/10
Vernon High SchoolGrades 9-127.7 mi

Construction

Condition

  • Year built: 2024

Materials

  • Roof: Shingle
  • Construction materials: Wood Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Down Draft,Electric Cooktop,Electric Oven

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Main Level Primary,Shower Only,Walk-In Closet(s)
  • Window features: Double Pane Windows

Heating & Cooling

  • Heating features: Central,Electric,Heat Pump
  • Cooling features: Central Air,Ceiling Fan(s),Heat Pump

Interior Area

  • Total structure area: 1,890
  • Total interior livable area: 1,890 sqft

Patio

  • Level: Second
  • Dimensions: 45 x 14

Porch

  • Level: First
  • Dimensions: 17 x 8

Recreation

  • Level: Second
  • Dimensions: 15 x 14

Property

Details

  • Parcel number: 000000000041510255
  • Zoning description: Horses Allowed, Resid Single Family
  • Special condition: Listed As-Is

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Deck,Covered,Porch
  • Exterior features: Deck
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake,Lake Front,Shoreline - Natural
  • Frontage length: 87

Lot

  • Lot size: 1.01 Acres
  • Features: Paved
  • Lot size dimensions: 112 x 341 x 335 x 87

Parking

  • Parking features: Paved

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Wildfire
Tsunami

FEMA Declared Disasters in Washington County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,274$27,288
Home Insurance *$315$3,780
Property Taxes $512$6,144
Electricity $197$2,366
Total$3,298$39,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,074/yr
40% on housing$98,940/yr
45% on housing$87,946/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.1%
15.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: -2.4%
-2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$238This listing

vs Other Active Listings

Avg $/sqft

ZIP 32428$153
Washington County$161

vs Homes Sold Last Month

Median $/sqft

ZIP 32428
Washington County$162

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-28Listed for sale$449,900
2021-10-11Sold$34,000
2020-05-13Listing removed$31,500
2020-02-07Listed for sale$31,500

For Sale by Agent

AgentHarvey B Webb
BrokerageCounts Real Estate Group

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