5095 Pine Ridge Dr, Chipley, FL, 32428
About This Home
One-of-a-kind waterfront retreat on beautiful Piney Lake! This unique property offers the perfect blend of functionality and breathtaking views, featuring a climatized 3-car garage on the ground level with a thoughtfully designed 1 bedroom, 1 bath home above to capture the best lakefront scenery. Step inside to find rich hardwood floors and an open-concept living area that flows seamlessly into the eat-in kitchen equipped with granite countertops, tile flooring, and an abundance of cabinetry. The bathroom features tile floors, a custom tiled shower, and a convenient laundry area for added functionality. The bedroom is a true highlight, offering direct access to a private balcony overlooking the lake, the perfect spot to enjoy your morning coffee or unwind with sunset views. Whether you're looking for a weekend getaway, investment opportunity, or full-time lakefront living, this property delivers charm, versatility, and unbeatable views, all located approximately 35 minutes from Panama City Beach, home to ''The World's Most Beautiful Beaches.''
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2007
Materials
- Foundation: Slab
- Roof: Composition,Shingle
- Construction materials: Stone
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Range
Bedroom
- Level: Second
- Dimensions: 29.7 x 19.1
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air,Ductless
Interior Area
- Total structure area: 1,140
- Total interior livable area: 1,140 sqft
Kitchen
- Level: Second
- Dimensions: 9.1 x 13.9
Living Room
- Level: Second
- Dimensions: 18.3 x 19.1
Property
Details
- Parcel number: 000000000031360219
Features
- Patio & porch: Balcony
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Lake,Lake Front
Lot
- Lot size: 1.55 Acres
- Features: Paved
- Lot size dimensions: 109 x 663 x 116 x 613
Parking
- Total spaces: 3
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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
- Lightning
- Tornado
- Cold Wave
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Washington County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,365 | $16,380 |
| Home Insurance * | $189 | $2,268 |
| Property Taxes | $341 | $4,092 |
| Electricity | $197 | $2,366 |
| Total | $2,092 | $25,104 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-05 | Price change | $269,999 |
| 2026-02-15 | Listed for sale | $279,999 |
| 2005-02-24 | Sold | $22,000 |
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