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10802 Cedar Ridge Lane, Panama City, FL 32409

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For Sale

$465,000

4 beds • 2 baths • 2,291 sqft

Estimated Payment

$      /mo. †

APR for 30 years

Change Loan Terms

  • Single Family Detached
    Property type

  • $202.97
    Price per square foot

  • 11-20 Years Old
    Age

  • Fireplace
    Fireplace

Explore this Property

Charming Home in Cedar Creek Chase Near Deer Point Lake - Spacious Lot, No HOA, & Modern Upgrades! Tucked away on a quiet cul-de-sac and just minutes from beautiful Deer Point Lake, this 4-bedroom, 2-bath home offers the perfect blend of comfort, functionality, and privacy on a generous .70-acre lot. Ideal for boating and fishing enthusiasts, the location provides both tranquility and convenience--with no HOA to limit your freedom. Step inside to find a spacious great room featuring an impressive 11-foot boxed ceiling, a cozy brick wood-burning fireplace, with doors that open to the back patio--perfect for indoor-outdoor living. The home features luxury vinyl plank (LVP) flooring installed in 2019 in the living room, dining room, and master bedroom, while the three additional bedrooms are carpeted, offering warmth and comfort. The split-bedroom floor plan ensures privacy, with a generous master suite that includes an 11 foot box ceiling, double vanities, a walk-in shower, soaking tub, and his-and-her walk-in closets. The kitchen is well-equipped with granite countertops, custom cabinetry, and stainless appliances, including a new refrigerator (2024). A breakfast room sits just off the kitchen, along with a formal dining room for entertaining. You'll also appreciate the large laundry room offering added convenience for busy households. Additional highlights include: roof replaced in 2018; new HVAC system installed in 2022; crown molding throughout the home; fully fenced backyard; Ring security system; 16x20 workshop with electricity. This well-maintained home is move-in ready with thoughtful updates and a layout ideal for modern living. Don't miss this opportunity to own a peaceful retreat close to Deer Point Lake with the freedom of no HOA! All sizes and dimensions are approximate and should be verified by the buyer if important.
MLS# 774835

Courtesy Of Miller & Associates Realty LLC

(850) 249-6655

Property Features

  • Age
    11-20 Years Old
  • Amenities
    Ceiling Fan, Attic
  • Appliances
    Dishwasher, Garbage Disposer, Microwave, Oven, Range, Refrigerator, Washer
  • Architecture Style
    New Traditional
  • Cooling System
    Ceiling Fan(s)
  • Exterior Type
    Brick, Brick Veneer, Vinyl Siding
  • Fireplace
    Fireplace
  • Lot Size
    0.7 Acres
  • Rooms
    Dining Room, Great Room, Kitchen

Map and Directions

Directions to 10802 Cedar Ridge Lane, Panama City, FL 32409

Home seller CENTURY 21 Commander Realty, Inc.

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Commander Realty, Inc.

(850) 769-8326
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $0
  • Property Taxes
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  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
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Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

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Copyright © 2025 Central Panhandle Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

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This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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