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.''
For sale
Price cut: $10K (5/5)
$269,999
5095 Pine Ridge Dr, Chipley, FL 32428
1beds
1,140sqft
Single Family Residence
Built in 2007
1.55 Acres Lot
$252,400 Zestimate®
$237/sqft
$-- HOA
What's special
Granite countertopsBreathtaking viewsUnbeatable viewsConvenient laundry areaWaterfront retreatRich hardwood floorsTile flooring
- 128 days |
- 523 |
- 26 |
Zillow last checked:
Listing updated:
Listed by:
Seamus J O'neill 850-260-5851,
SOUTHERN WAY REALTY, INC.
Source: CPAR,MLS#: 785291
Originating MLS: Central Panhandle Association of REALTORS
Originating MLS: Central Panhandle Association of REALTORSLoading...
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Rooms
- Room types: Bedroom, Kitchen, Living Room
Bedroom
- Level: Second
- Dimensions: 29.7 x 19.1
Kitchen
- Level: Second
- Dimensions: 9.1 x 13.9
Living room
- Level: Second
- Dimensions: 18.3 x 19.1
Heating
- Central
Cooling
- Central Air, Ductless
Appliances
- Included: Electric Range
Interior area
- Total structure area: 1,140
- Total interior livable area: 1,140 sqft
Property
Parking
- Total spaces: 3
- Parking features: Garage
- Garage spaces: 3
Features
- Patio & porch: Balcony
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- Waterfront features: Lake, Lake Front
Lot
- Size: 1.55 Acres
- Dimensions: 109 x 663 x 116 x 613
- Features: Paved
Details
- Parcel number: 000000000031360219
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Other
- Property subtype: Single Family Residence
Materials
- Stone
- Foundation: Slab
- Roof: Composition,Shingle
Condition
- New construction: No
- Year built: 2007
Community & HOA
Community
- Subdivision: Pine Lake Estates
HOA
- Has HOA: No
Location
- Region: Chipley
Financial & listing details
- Price per square foot: $237/sqft
- Tax assessed value: $171,288
- Annual tax amount: $2,349
- Date on market: 2/15/2026
- Cumulative days on market: 128 days
Estimated market value
$252,400
$240,000 - $265,000
$1,115/mo
Price history
| Date | Event | Price |
|---|---|---|
| 5/5/2026 | Price change | $269,999-3.6%$237/sqft |
Source:  CPAR #785291 Report a problem | ||
| 2/15/2026 | Listed for sale | $279,999+1172.7%$246/sqft |
Source: CPAR #785291 Report a problem | ||
| 2/24/2005 | Sold | $22,000$19/sqft |
Source: Agent Provided Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | -- | $168,573 +10% |
| 2024 | $2,117 +11.3% | $153,248 +10% |
| 2023 | $1,902 +145.9% | $139,316 +44% |
| 2022 | $773 +1.7% | $96,726 +3% |
| 2021 | $760 +1.6% | $93,909 +1.4% |
| 2020 | $748 +0% | $92,612 +2.3% |
| 2019 | $748 -0.4% | $90,530 +1.9% |
| 2018 | $751 -0.6% | $88,842 +2.1% |
| 2017 | $756 | $87,022 +0.8% |
| 2016 | $756 -3.9% | $86,302 -0.3% |
| 2015 | $787 | $86,530 -2.8% |
| 2014 | -- | $89,030 |
| 2013 | -- | $89,030 -5.3% |
| 2012 | -- | $94,030 -5.7% |
| 2011 | -- | $99,750 -0.7% |
| 2010 | -- | $100,470 |
| 2009 | -- | $100,470 |
| 2008 | -- | $100,470 +157.6% |
| 2007 | -- | $39,000 +39.3% |
| 2005 | -- | $28,000 +16.7% |
| 2004 | -- | $24,000 |
| 2003 | -- | $24,000 |
| 2002 | -- | $24,000 |
| 2001 | -- | $24,000 |
| 2000 | -- | $24,000 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: 32428
Nearby schools
GreatSchools rating
- 4/10Vernon Elementary SchoolGrades: PK-5Distance: 11.5 mi
- 5/10Vernon Middle SchoolGrades: 6-8Distance: 10.4 mi
- 3/10Vernon High SchoolGrades: 9-12Distance: 10.2 mi
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Florida
- Washington County
- Chipley
- 32428
- 5095 Pine Ridge Dr
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Nearby zip codes
Other Chipley Topics
