# 3445 Cardinal Place, Chipley, FL 32428 > **TL;DR:** 3bd/2ba single family, $349,900 ($254/sqft), built 2023, 1,379 sqft. > A/C. Est. $2,121/mo. Listed 30 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $349,900 | | Price/sqft | $254 | | Bedrooms | 3 | | Bathrooms | 2 full | | Square Feet | 1,379 | | Year Built | 2023 | | Lot Size | 74,052 sqft (1.70 acres) | | Stories | 1 | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 30 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,769 | | Estimated Insurance | $102 | | HOA | $250 | | **Total** | **$2,121** | ## Nearby Schools - **Elementary:** Vernon Elementary - **Middle:** Vernon - **High:** Vernon ## Key Amenities - A/C ## Property Highlights - Built in 2023 - 1.70 acre lot ## Description ### Agent 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. ## Location - **Address:** 3445 Cardinal Place, Chipley, FL 32428 - **County:** Washington - **Neighborhood:** Leisure Lakes 1st Add - **Coordinates:** 30.496583, -85.719872 - **Google Maps:** https://www.google.com/maps?q=30.496583,-85.719872 ## Listing Agent - **Name:** Harvey B Webb · **License:** 3290471 - **Brokerage:** Counts Real Estate Group Inc - **Phone:** 8507033028 - **Broker Phone:** (850) 249-3615 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/3445-Cardinal-Pl_Chipley_FL_32428_M66895-41171?f=listhub&s=BCARFL&m=794153&c=propsimple) ## Photos ![3445 Cardinal Place - Photo 1](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f283420263r.jpg) ![3445 Cardinal Place - Photo 2](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f3141293318r.jpg) ![3445 Cardinal Place - Photo 3](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f3002983053r.jpg) ![3445 Cardinal Place - Photo 4](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f1913575229r.jpg) ![3445 Cardinal Place - Photo 5](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f80346230r.jpg) ![3445 Cardinal Place - Photo 6](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2355233864r.jpg) ![3445 Cardinal Place - Photo 7](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f3854843960r.jpg) ![3445 Cardinal Place - Photo 8](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f608652360r.jpg) ![3445 Cardinal Place - Photo 9](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f61336519r.jpg) ![3445 Cardinal Place - Photo 10](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f773893800r.jpg) ![3445 Cardinal Place - Photo 11](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f919902138r.jpg) ![3445 Cardinal Place - Photo 12](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2034818127r.jpg) ![3445 Cardinal Place - Photo 13](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2740148767r.jpg) ![3445 Cardinal Place - Photo 14](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2857859071r.jpg) ![3445 Cardinal Place - Photo 15](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2461386856r.jpg) ![3445 Cardinal Place - Photo 16](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f3558439856r.jpg) ![3445 Cardinal Place - Photo 17](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2623322686r.jpg) ![3445 Cardinal Place - Photo 18](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2414566483r.jpg) ![3445 Cardinal Place - Photo 19](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f4157805502r.jpg) ![3445 Cardinal Place - Photo 20](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f1631077020r.jpg) ![3445 Cardinal Place - Photo 21](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f3949390285r.jpg) ![3445 Cardinal Place - Photo 22](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f3745465476r.jpg) ![3445 Cardinal Place - Photo 23](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f4186672376r.jpg) ![3445 Cardinal Place - Photo 24](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2650279030r.jpg) ![3445 Cardinal Place - Photo 25](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f1089065205r.jpg) ![3445 Cardinal Place - Photo 26](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f3047661499r.jpg) ![3445 Cardinal Place - Photo 27](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f855549300r.jpg) ![3445 Cardinal Place - Photo 28](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f3237318977r.jpg) ![3445 Cardinal Place - Photo 29](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2847014646r.jpg) ![3445 Cardinal Place - Photo 30](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2757083443r.jpg) ![3445 Cardinal Place - Photo 31](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f4198550871r.jpg) ![3445 Cardinal Place - Photo 32](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2429170978r.jpg) ![3445 Cardinal Place - Photo 33](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2877138058r.jpg) ![3445 Cardinal Place - Photo 34](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f1136777120r.jpg) ![3445 Cardinal Place - Photo 35](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f4082817919r.jpg) ![3445 Cardinal Place - Photo 36](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f3203390221r.jpg) ![3445 Cardinal Place - Photo 37](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f314997998r.jpg) ![3445 Cardinal Place - Photo 38](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f4281235191r.jpg) ![3445 Cardinal Place - Photo 39](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f1572157756r.jpg) ![3445 Cardinal Place - Photo 40](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f3636116603r.jpg) ![3445 Cardinal Place - Photo 41](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f1713834455r.jpg) ![3445 Cardinal Place - Photo 42](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2209635783r.jpg) ![3445 Cardinal Place - Photo 43](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2981734287r.jpg) ![3445 Cardinal Place - Photo 44](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2274444801r.jpg) ![3445 Cardinal Place - Photo 45](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f4161451027r.jpg) ![3445 Cardinal Place - Photo 46](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2487653549r.jpg) ![3445 Cardinal Place - Photo 47](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f1840395737r.jpg) ![3445 Cardinal Place - Photo 48](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f233866148r.jpg) ![3445 Cardinal Place - Photo 49](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2772344899r.jpg) ![3445 Cardinal Place - Photo 50](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f1629120045r.jpg) ![3445 Cardinal Place - Photo 51](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f3782274781r.jpg) ![3445 Cardinal Place - Photo 52](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2169832183r.jpg) ![3445 Cardinal Place - Photo 53](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f3470067964r.jpg) ![3445 Cardinal Place - Photo 54](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f1113152741r.jpg) ![3445 Cardinal Place - Photo 55](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f4023144168r.jpg) ![3445 Cardinal Place - Photo 56](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2725535366r.jpg) ![3445 Cardinal Place - Photo 57](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f1167442443r.jpg) ![3445 Cardinal Place - Photo 58](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f4290418389r.jpg) ![3445 Cardinal Place - Photo 59](http://lh.rdcpix.com/02a0d88ba4ae540b9847c01711cca9cdl-f2770954361r.jpg) --- **MLS#:** 794153 | **Updated:** 2026-09-13 **Source:** listhub *Copyright © 2026 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/3445-cardinal-place-chipley-fl-32428-l794153) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/3445-cardinal-place-chipley-fl-32428-l794153#listing", "url": "https://www.propertysimple.ai/listing/3445-cardinal-place-chipley-fl-32428-l794153", "name": "3445 Cardinal Place, Chipley, FL 32428", "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. 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