Leisure Lakes
Homes for Sale in Chipley, FL
All 8 homes for sale in Chipley, FL · median $207,500 · Washington County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via CPAR MLS
As of October 2026, Leisure Lakes in Chipley, FL has 7 homes for sale and 1 pending, asking from $200,000 to $449,900 (median $349,900). Over the 12 months ending 2026-09-20, 13 recorded sales closed at a median of $325,000, a median 136 days on market, sellers accepting 95% of original asking (+30% versus the prior year). Homes listed or recently sold were built 1995–2024; 8 of 8 report an HOA (median $21/mo); 1 of the 8 geocoded homes sit in a FEMA special flood hazard zone (median elevation 121 ft). At the median price and Washington County's FY2025-26 rate of 15.35 mills, annual property tax runs about $4,990 ($4,380 with the full homestead exemption).
| Location | Chipley, Washington County, FL · ZIP 32426, 32428 |
|---|---|
| Homes in the community | 144 (FL DOR 2025 assessment roll) |
| Years built | 1954–2024 (median 2003.0) |
| Typical living area | 1,894 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 62%, manufacturedhome 38% |
| Sale prices, last 12 months | $325,000 median across 13 closed sales · +30.5% vs the prior 12 months |
| Days on market (closed sales) | 136 median |
| For sale right now | 5 active, 2 pending · median asking $349,900 |
| Owner-occupied (homestead) share | 64% |
Data as of September 20, 2026. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Leisure Lakes key facts,” movewithmomentum.com/neighborhoods/leisure-lakes, data as of September 20, 2026.
Last 30 days in Leisure Lakes: 5 new listings (median asking $349,900), 1 under contract right now. As of October 2, 2026, Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate.
Homes For Sale Right Now in Leisure Lakes
Live MLS inventory for Leisure Lakes. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Leisure Lakes listings as of 2026-10-01, priced high to low. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Every Home for Sale in Leisure Lakes Right Now (8)
All 8 active and pending Leisure Lakes listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3320 Cardinal Place, Chipley, Fl 32428 · $220,000 · 3 bd / 2 ba · listed Sep 27, 2026 · listed by Chipola Realty
- 3325 Eagle Court, Chipley, Fl 32428 · $215,000 · 3 bd / 3 ba · listed Sep 22, 2026 · listed by Elite Realty
- 4152 Leisure Lakes Drive, Chipley, Fl 32428 · $369,900 · 4 bd / 3 ba · listed Sep 11, 2026 · listed by Beachy Beach Real Estate
- 3421 Quail Ridge Drive, Chipley, Fl 32428 · $449,900 · 3 bd / 3 ba · listed Sep 10, 2026 · listed by Counts Real Estate Group
- 3445 Cardinal Place, Chipley, Fl 32428 · $349,900 · 3 bd / 2 ba · listed Sep 2, 2026 · listed by Counts Real Estate Group
- 3522 Quail Ridge Drive, Chipley, Fl 32428 · $454,900 · 4 bd / 2 ba · pending · listed Jul 5, 2026 · listed by Legacy Premier Agency
- 3243 Quail Ridge Drive, Chipley, Fl 32428 · $349,900 · 4 bd / 2 ba · listed Jul 2, 2026 · listed by Hennessy Real Estate Group LLC
- 3515 Quail Ridge Drive, Chipley, Fl 32428 · $200,000 · 3 bd / 2 ba · listed Jul 2, 2026 · listed by Keller Williams Success Realty
Leisure Lakes prices off a genuinely mixed housing stock. Homes here date from 1954 through 2024, with a median build year of 2003 and a median living area of 1,812 square feet, so condition and vintage do more to set a price than any single amenity or view. That spread is the reason a median of $340,000 tells only part of the story — two homes on the same street can sit a decade or more apart in age and finish level.
The 22.1% year-over-year price move is real, but it's built on just 11 closings in this window, so treat it as directional rather than a settled trend line. A median 117 days on market points to a deliberate, patient buyer pool rather than a bidding-war pace, which gives sellers room to price carefully and buyers room to negotiate rather than chase.
Leisure Lakes right now
🟢 Still climbing. The trailing-12-month median ($325K) is up 30.5% from the prior 12 months ($249K) and up 183% since 2012. With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level CPAR MLS closed sales, 12-month windows ending September 20. Confidence: Medium (13 and 8 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 2, 2026 · Live data: CPAR MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Leisure Lakes market snapshot (as of September 20, 2026): the median sale price is about $325K, and a median 136 days on market for closed sales. The trailing-12-month median is up 30% from the prior 12 months and up 183% since 2012, computed from record-level CPAR MLS closed sales (13 closings in the current window).
In ZIP 32428 (Chipley), 192 homes closed in the last 12 months at a median of $227K, up 5.9% year over year, with a median 69 days on market. Right now 78 active and 25 pending listings — a balanced market. See the live ZIP 32428 housing market and the Washington County market.
County records show 9 qualified sales in Leisure Lakes across 2024–2025 (6 in 2024, 3 in 2025), median $268,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Leisure Lakes is a community of 144 homes in Chipley, Washington County, built between 1954 and 2024 (median 2003.0), with a median living area of about 1,894 square feet. 64% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Leisure Lakes is a modest-sized pocket of 223 homes in Chipley, Washington County, where a high owner-occupancy share (65.8% homestead) points to a market built on long-term residency rather than turnover or investment flipping.
The setting & the homes.
Aerial and on-site photos of Leisure Lakes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Leisure Lakes
Leisure Lakes
Leisure Lakes
Leisure Lakes
Leisure Lakes
Leisure Lakes
Leisure Lakes
Leisure LakesPhotos from CPAR MLS listings in Leisure Lakes; content deemed reliable but not guaranteed.
Who Leisure Lakes is best for.
Best for
- Buyers planning to hold long-term who value a stable, high-owner-occupancy setting over amenities
- Buyers comfortable evaluating homes individually on age and condition rather than relying on a uniform build standard
- Buyers with flexible timelines who can wait through a typical multi-month selling cycle
Probably not for
- Buyers who want on-site community amenities like pools, clubhouses, or organized recreation
- Buyers seeking a fast close in a high-competition, low-days-on-market market
- Investors expecting rapid turnover, given the high share of owner-occupied homes and thin closing volume
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level CPAR MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($325K) IS the median in the snapshot above, and the move from 2025 ($249K) IS the +30.5% one-year change.
Windows contain 1 to 13 sales each (13 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Washington County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Washington County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
22% of homes for sale in ZIP 32428 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-02).
Leisure Lakes Market Scorecard
Leisure Lakes is currently a balanced market., a median asking price of $349,900, and homes go under contract in about 8 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: CPAR MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Leisure Lakes, Chipley
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Leisure Lakes on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from CPAR MLS. Map data © OpenStreetMap, tiles © CARTO.
The Leisure Lakes buying strategy.
If we were buying in Leisure Lakes today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Leisure Lakes.
A market that moves on condition, not comps
With a market heat score of 49, Leisure Lakes sits in balanced territory — not a seller's sprint, not a buyer's standoff. The 117-day median days-on-market backs that up: homes here take real time to transact, which usually means pricing accuracy at listing matters more than urgency tactics.
No community amenities are currently identified in MLS data for this pocket, so value is driven almost entirely by the home itself — lot, condition, square footage, and age relative to the 2003 median build year. Buyers comparing two listings here should weigh renovation and system age closely, since the 1954–2024 build range means a shared address can hide very different maintenance realities.
The location and the amenities are priced into every listing in Leisure Lakes. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Leisure Lakes buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (8.2). Basis: Long-Term Appreciation +183% since 2012; Recent Direction +30.5% year-over-year; Owner Commitment 64% owner-occupied; Pricing Power 94.7% sale-to-list. Refreshed with each data update.
Why work with Momentum here
A community with only 11 recent closings and a wide build-year spread is not one where a generic pricing algorithm holds up — it takes someone reading each comp individually, checking build year against condition, and understanding why days-on-market run long before setting a number. That's the kind of read Momentum does on every Leisure Lakes listing, for buyers and sellers alike.
Leisure Lakes in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $21/month (about $252/yr) · median of 136 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $21 per month ($252 a year) — the median AssociationFee across 136 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Leisure Lakes buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Leisure Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Leisure Lakes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Leisure Lakes home worth?
Get a no-obligation home value based on real comparable sales in Leisure Lakes, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Chipley →
Recently off market in Leisure Lakes
Homes in Leisure Lakes that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.
- 3425 Quail Ridge Drive · off market
- 4526 Leisure Lakes Drive · off market
Frequently Asked Questions
What is the median home price in Leisure Lakes?
How long do homes in Leisure Lakes take to sell?
How many homes are in Leisure Lakes?
What share of Leisure Lakes is owner-occupied?
When were the homes in Leisure Lakes built?
Have Leisure Lakes home prices gone up?
Who is the best real estate agent for Leisure Lakes?
How do I find a top Chipley real estate agent who knows Leisure Lakes?
Can Momentum Realty connect me with an agent for Leisure Lakes?
Where is Leisure Lakes, and what county is it in?
Is Leisure Lakes a good place to live?
Should you buy in Leisure Lakes?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: October 1, 2026) |
| Community market stats | CPAR MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32426/32428)) |
| Under-contract shares | CPAR MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (138 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of CPAR MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the CPAR MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Leisure Lakes fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Leisure Lakes
- Home values · What homes in Leisure Lakes actually sell for
Nearby Communities
Explore more neighborhoods near Leisure Lakes with Momentum Realty’s local guides.