listed Oct 1, 2024SingleFamilyResidence▼ Price cut: $5,100 (9/16)
$349,900
4-Bedroom Home in Leisure Lakes 1st Add
3243 Quail Ridge Drive, Chipley, FL 32428
SingleFamilyResidence in Leisure Lakes 1st Add, Chipley
Leisure Lakes 1st Add · Chipley, FL 32428 · Washington County
Listing data checked against the MLS November 13, 2026 at 6:30 PM ET · rechecked hourly
Listed by Hennessy Real Estate Group LLC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
4Bedrooms
2Bathrooms
2000Year Built
4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Buyer leverage
Strong buyer advantage
773 days on market
27.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone A
Flood risk
Confirm requirements with FEMA; ~74 ft elevation
$1.5k–$2.5k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
3243 Quail Ridge Drive in Leisure Lakes 1st Add, Chipley is listed at $349,900. That is 19% above Leisure Lakes 1st Add's median closed sale of $294,000 over the last 12 months (4 recorded sales). It has been listed Oct 1, 2024, longer than the community's typical 205 days to contract. Listing facts: built in 2000, HOA dues of $62/mo. The parcel maps to FEMA flood zone A, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Built 2000 · 26 yrs
listed Oct 1, 2024
HOA $62/mo (per listing)
Listing description
About this home
This move in ready home on 3 acres in the gated community of Leisure Lakes offers plenty of space inside and out. Situated with direct waterfront on Lake Suzanne, this cottage style home has over 1,600 sf of living space including 4 bedrooms and 2 bathrooms. 1 of the bedrooms can only be accessed from the outside and has a concrete floor.
The well water to the home is naturally sourced and comes directly from a spring! The kitchen has been tastefully updated with granite countertops including a waterfall island design and vinyl plank flooring. The large picture windows in the living and dining rooms offer amazing views.
Included with this home is an interesting Vermont castings wood burning stove that, coupled with the wood flooring gives the living room a nice, cozy feel. Also, enjoy the included t.v. and wired surround sound.
The master bedroom has an exterior door and the bathroom has a garden tub. As you exit the home to over 3 acres of beautiful and lush vegetation, you will enjoy the multi level deck, an unfinished basement with a work bench, cabinets and plenty of storage space. There are 2 fire pits and an outdoor shower on the property as well.
There is plenty of cleared space that open up the front of the property. You will definitely appreciate the orange and tangerine trees that produce a yummy harvest! The exterior of the home has been pressure washed and the roof was rescrewed last year.
Water heater is 5 years old and the heat pump is new. Besides all that this property offers, Leisure Lakes has many amenities; a community pool, basketball and tennis courts, horse trails, and a lake you can swim, boat, and fish in. Included in this listing are 3 lots each having their own parcel ID numbers.
(B217, B218, B219) Please include all 3 in contracts. This is a rare opportunity to buy in Leisure Lakes and have plenty of space to live and play. Come out and see for yourself all that this home at Leisure Lakes has to offer.
Buyer to verify all information during due diligence.
All 50 photos
Description provided by Hennessy Real Estate Group LLC and reproduced from the MLS; not independently verified.
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for Leisure Lakes 1st Add. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$349,900
Bed / bath4 / 2
Year built2000
Property typeSingleFamilyResidence
MLS #760587
Listing statuslisted Oct 1, 2024
Public records & third-party data
FEMA flood zoneZone A
Ground elevation~74 ft
CountyWashington
Area listings9 active · 0 under contract
Estimated first-year tax~$4,600/yr
CDD assessmentNone on record
HOA$62/mo
Calculated estimates
Estimated monthly payment$2,484
Insurance (illustrative)$1.5k–$2.5k/yr
Comparable-sales median$294,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$2,484/mo
Principal & interest $1,883/mo76%
Taxes $383/mo15%
Insurance $156/mo6%
HOA $62/mo2%
$2,484/mo at 20% down, 30-yr @ 7.11% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Washington County rate (15.35 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $3,175/yr ($265/mo) — taxable value $206,530 × 15.35 mills
$1,425 more each year
(+45%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$206,530
Market value
$206,530
Assessed
$206,530
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Central Panhandle AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 3243 Quail Ridge Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $3,175/yr (certified county roll, taxable value × millage). Buy at the asking price of $349,900 and the first-year bill resets to about $4,600/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.35 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
$62/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Washington County is $1,599/yr (116 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$2,500/yr; neither is a quote. Flood: this address maps to FEMA zone A, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2000. An original roof would be about 26 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $579/month (tax $383, HOA $62, insurance $133). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
Insurance (illustrative range)
$1.5k–$2.5k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone A — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$62/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone A
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~74 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Washington County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively Moderate
Coastal floodingVery Low
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireVery Low
TornadoRelatively Moderate
LightningRelatively Moderate
Strong windRelatively Low
DroughtRelatively Low
HailVery Low
Cold waveRelatively Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Property timeline
This home’s history
2000BuiltPer public record
About Oct 2024Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Oct 1, 2024)
Aug 4, 2026First seen on our siteObserved at $359,900
Aug 17, 2026Price cut$355,000 (-$4,900, -1.4%)
Sep 16, 2026Price cut$349,900 (-$5,100, -1.4%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $349,900Hennessy Real Estate Group LLC · listed Oct 1, 2024
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
39/100
Strongest on: Pricing power (79), Flood safety (50)
0 limited50100 exceptional
39/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Affordability18
List price $349,900 vs the community median $294,000. Not a measure of personal affordability.
Flood safety50
FEMA Zone A, ~74 ft elevation. Verify the parcel with FEMA.
Insurance cost34
From FEMA Zone A and a 2000 build. Obtain a property-specific quote.
Market liquidity15
Community median 205 days on market, ~27.0 months of supply (12-month record).
Pricing power79
Recent sales closed at about 92.3% of original asking (~7.7% below). More room below asking generally favors buyers.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 27.0 months of supply in the surrounding market and 773 days on market for this home, against a 205-day area median.Days on market:this home 773Area median: 205 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. As of November 11, 2026.
62% of homes in Leisure Lakes are owner-occupied. An estimated 38% are non-owner-occupied, including 0% held in a company or trust and 5% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 65 homes matched. Community-level context.
Recent Leisure Lakes sales closed near 92.3% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of CPAR records, community-level, 12 months ending November 11, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 9 active listings in Leisure Lakes, no CDD assessment.
Checked against the MLS November 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Hennessy Real Estate Group LLC · MLS # 760587
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Keep looking
Similar homes for sale near Leisure Lakes 1st Add
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Infrastructure
Bay County approves $940K fire engine for new Fountain-area station on Highway 20
Commissioners approved the engine on October 20, funded by impact fees and federal money. The Highway 20 station is expected to open in March with 24/7 staffing, an ambulance and a 2,000 to 3,000 gallon water tanker because the area lacks hydrants.
Why it matters: A staffed station on Highway 20 adds emergency-service coverage for the growing northeast Bay County area. The site is about 3 miles east of Leisure Lakes.
Ribbon cutting marks Chipley's historic Mongoven Building turned public gathering space
The City of Chipley and the Washington County Chamber of Commerce held a June 22 ribbon cutting for the restored 1905 Mongoven Building, formerly the First National Bank, in downtown Chipley. The restoration preserved the original bank vault, fireplace faces, and central column and converted the site into a public gathering space.
Why it matters: A restored downtown Chipley landmark adds a public gathering space and supports ongoing downtown revitalization. The project is about 22 miles north of Leisure Lakes, elsewhere in Washington County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Washington County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Washington County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 3243 Quail Ridge Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2000 (26 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $62/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone A: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
Get a homeowners insurance quote for this specific address in Washington County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Confirm square footage and room dimensions independently.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $4,600/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,425 more per year than the current owner’s estimated bill (+45%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
CPAR, checked against the MLS hourly (last: November 13, 2026)
Comparable sales
Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone A shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of CPAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 3243 Quail Ridge Drive and when was it built?
Per the listing record, 3243 Quail Ridge Drive was built in 2000 and has 4 bedrooms and 2 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3243 Quail Ridge Drive in?
3243 Quail Ridge Drive is in Leisure Lakes 1st Add in Chipley, Washington County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 3243 Quail Ridge Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $62 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3243 Quail Ridge Drive differ from the current owner's?
The estimate on this page (about $4,600 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,425 more per year than the current owner’s estimated bill (+45%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3243 Quail Ridge Drive in a flood zone?
The FEMA flood map places this parcel in Zone A, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 3243 Quail Ridge Drive in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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1 / 1 photosListing courtesy of Hennessy Real Estate Group LLC
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
