5096 Lake Ridge Dr, Chipley, FL, 32428

Approximately 1,200 feet of private shoreline on a 150+ acre lake is the defining feature of this uncommon Lake Ridge Drive estate. Set on 5.5 acres of mostly private land, the custom-built home frames water views at every turn—windows and sightlines were clearly planned to keep the lake central to daily life. The panorama outside becomes the backdrop to an interior finished with custom white oak cabinetry and one-of-a-kind detailing that give the home both warmth and distinction.

The main living area is generously proportioned across roughly 2,600 square feet: a spacious family room anchors the plan and can be reconfigured easily to create two additional bedrooms if buyers prefer a four-bedroom footprint. Two full baths serve the current layout; thoughtful built-in storage, wide hallways and a practical circulation pattern make the floor plan versatile for long-term living or entertaining. Craftsman touches and the white oak millwork elevate everyday spaces while keeping the feel comfortable and approachable.

Outside, the shoreline is the property’s principal amenity. With nearly uninterrupted frontage on deep water (the lake reaches depths up to 36 feet), this is a rare offering for buyers seeking privacy plus recreational access—boating, fishing and slow afternoons along your own stretch of lake await. The three-car garage provides substantial covered parking and storage for toys and gear; ample acreage creates separation from neighbors and a genuine sense of seclusion.

Practical updates are underway: the property is in the process of receiving a new roof along with other improvements, so the next owner benefits from recent investment in core systems. Located between Lynn Haven and Chipley and minutes from ECP airport, Lynn Haven and Panama City Beach, this property pairs small-town convenience with Gulf Coast access. Whether purchased as a full-time residence, seasonal retreat, or generational getaway, this lakefront estate offers a rare combination of shoreline, acreage and elevated finishes. Call to schedule a private tour and experience the waterfront orientation that sets this home apart.

This property sits in a quiet lakeside setting just outside Chipley, offering a pastoral lifestyle with direct water access. The neighborhood character leans rural and private, with generous lot sizes and limited through-traffic. Residents enjoy small-town conveniences in Chipley and nearby Lynn Haven, while Panama City Beach and regional air access at ECP remain within easy reach for weekend getaways. The area attracts buyers who value space, privacy and outdoor recreation over dense suburban amenities.