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
$279,999
5095 Pine Ridge Dr, Chipley, FL 32428
1beds
1,140sqft
Est.:
Single Family Residence
Built in 2007
1.55 Acres Lot
$266,900 Zestimate®
$246/sqft
$-- HOA
What's special
Granite countertopsBreathtaking viewsUnbeatable viewsConvenient laundry areaWaterfront retreatRich hardwood floorsTile flooring
- 34 days |
- 764 |
- 49 |
Zillow last checked: 7 hours ago
Listing updated: February 17, 2026 at 11:14am
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 REALTORSTour with a local agent
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: $246/sqft
- Tax assessed value: $171,288
- Annual tax amount: $2,349
- Date on market: 2/15/2026
Estimated market value
$266,900
$254,000 - $280,000
$1,131/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 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
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
BuyAbility℠ payment
Est. payment
$1,729/mo
Principal & interest
$1388
Property taxes
$341
More affordability tools
Climate risks
Neighborhood: 32428
Nearby schools
GreatSchools rating
- 4/10Vernon Elementary SchoolGrades: PK-5Distance: 11.6 mi
- 4/10Vernon Middle SchoolGrades: 6-8Distance: 10.4 mi
- 3/10Vernon High SchoolGrades: 9-12Distance: 10.2 mi
Local experts in 32428
- Florida
- Washington County
- Chipley
- 32428
- 5095 Pine Ridge Dr
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