10802 Cedar Ridge Ln

Panama City, FL 32409

$420,000
Price
4
Beds
2,291 Sq. Ft.
$183 / Sq. Ft.
2,291
Sq. Ft.
$183
per Sq. Ft.
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Description

CHECK IT OUT - PRICE ADJUSTMENT -REDUCED $10,000 - This property is the Complete Package - A 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 all brick exterior, 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...CHECK IT OUT - PRICE ADJUSTMENT -REDUCED $10,000 - This property is the Complete Package - A 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 all brick exterior, 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) and new hot water heater (2025). 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; HVAC ducts and dryer vent cleaned in 2026; 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.
  1. Listed by Maureen Hess • Miller & Associates Realty

Property Details for 10802 Cedar Ridge Lane

Architectural Style
Traditional
Waterfront
No
Parking Features
Garage, Garage Door Opener
Subdivision Name
Cedar Creek Chase Ph 1
Zoning Description
Resid Single Family
LISTING UPDATED: 05/21/2026 08:37 AM

Property Details for 10802 Cedar Ridge Lane

StatusActive
MLS #785561
Days on Market90
Taxes$2,481 / year
HOA Fees-
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential / Single Family Residence / Single Family Residence
Year Built2008
Lot Size0.70 AC / 30,492 SF
CountyBay County
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Location

Listing Courtesy of Miller & Associates Realty
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Building Information for 10802 Cedar Ridge Lane

Stories-Year Built2008Building Size-Lot Size0.70 AC / 30,492 SF

Payment Calculator

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$2,300 per month

30 year fixed, 6.36% Interest

Principal and Interest

$2,093

Property Taxes

$207

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 10802 Cedar Ridge Lane

Summary
Location and General Information
  • City: Panama City
  • County Or Parish: Bay
  • Directions: North on Highway 77. Turn right on Highway 2321 in Southport. Left on Resota Beach Road. Travel 4 miles. Turn right on High Cliff Road. Turn right on Cedar Ridge Lane. Home on the left at the end of the street.
  • State Region: FL
  • Postal Code: 32409
  • Latitude: 30.346699
  • Longitude: -85.602173
  • State Or Province: FL
  • MLS Area Major: 04 - Bay County - North
  • MLS Area Minor: 0410 - Bay North - West Deerpoint/Southport
Taxes and HOA Information
  • Parcel Number: 07585-338-000
  • Association: No
  • Tax Annual Amount: $2,481.00
  • Tax Legal Description: CEDAR CREEK CHASE PH 1 LOT 38 ORB 3439 P 1579
  • Tax Year: 2025
School Information
  • Elementary School: Deane Bozeman
  • High School: Deane Bozeman
  • Middle Or Junior School: Deane Bozeman
Parking
  • Attached Garage: No
  • Garage Spaces: 2.0
  • Garage: Yes
Property
Lot Information
  • Building Area Total: 2291.0
  • Lot Features: Cul De Sac, Sprinkler System, Paved
  • Lot Size Acres: 0.7
  • Lot Size Area: 0.7
  • Lot Size Dimensions: 95 X 128 X 150 X 70
  • Lot Size Units: Acres
  • Lot Size Square Feet: 30492.0
  • Living Area Source: Appraiser
Property and Assessments
  • Other Structures: Pergola, Sheds
  • Year Built: 2008
  • New Construction: No
  • Human Modified: No
Utilities
  • Utilities: Electricity Available, Underground Utilities
Interior and Exterior Features
Exterior Features
  • Exterior Features: Fire Pit, Rain Gutters
  • Fencing: Fenced, Privacy
  • Construction Materials: Brick Veneer, Vinyl Siding
  • Foundation Details: Slab
  • Security Features: Security System, Smoke Detectors
  • Roof: Shingle
Interior Features
  • Bathrooms Full: 2
  • Bathrooms Total: 2
  • Bedrooms Total: 4
  • Rooms Total: 11
  • Cooling: Yes
  • Cooling: Central Air, Ceiling Fans
  • Heating: Yes
  • Heating: Central, Electric, Fireplaces
  • Appliances: Electric Oven, Electric Range, Electric Water Heater
Room Information
Room 1
  • Room Dimensions: 22 x 21.8
  • Room Length: 22.0
  • Room Level: First
  • Room Type: Garage
  • Room Width: 21.8
Room 2
  • Room Dimensions: 10 x 5.1
  • Room Length: 10.0
  • Room Level: First
  • Room Type: Laundry
  • Room Width: 5.09
Room 3
  • Room Dimensions: 18.2 x 12
  • Room Length: 18.2
  • Room Level: First
  • Room Type: Primary Bathroom
  • Room Width: 12.0
Room 4
  • Room Dimensions: 21 x 20.6
  • Room Length: 21.0
  • Room Level: First
  • Room Type: Great Room
  • Room Width: 20.6
Room 5
  • Room Dimensions: 11.3 x 11
  • Room Length: 11.3
  • Room Level: First
  • Room Type: Dining Room
  • Room Width: 11.0
Room 6
  • Room Dimensions: 13.4 x 11.4
  • Room Length: 13.4
  • Room Level: First
  • Room Type: Breakfast Room Nook
  • Room Width: 11.4
Room 7
  • Room Dimensions: 12.6 x 11.4
  • Room Length: 12.6
  • Room Level: First
  • Room Type: Kitchen
  • Room Width: 11.4
Room 8
  • Room Dimensions: 12 x 11.4
  • Room Length: 12.0
  • Room Level: First
  • Room Type: Bedroom
  • Room Width: 11.4
Room 9
  • Room Dimensions: 10.6 x 9.1
  • Room Length: 10.6
  • Room Level: First
  • Room Type: Bedroom
  • Room Width: 9.1
Room 10
  • Room Dimensions: 11.4 x 11.1
  • Room Length: 11.4
  • Room Level: First
  • Room Type: Bedroom
  • Room Width: 11.1
Room 11
  • Room Dimensions: 18.2 x 13.6
  • Room Length: 18.2
  • Room Level: First
  • Room Type: Primary Bedroom
  • Room Width: 13.6
Multi Family
Multi-Family Information
  • Units Furnished: None
Mobile Home
Mobile Home Information
  • Mobile Dim Units: Feet
Rental
Rental Information
  • Occupant Type: Occupied

Property History for 10802 Cedar Ridge Lane

DateEvent & SourcePriceAppreciation
Apr 18, 2026

Price Change

CPAR #785561

$430,000—
Feb 20, 2026

Listed (Active)

CPAR #785561

$435,000—
Dec 12, 2025

Expired

CPAR #774835

$449,500—
DateEvent & SourcePrice
04/18/2026

Price Change

CPAR #785561

$430,000
02/20/2026

Listed (Active)

CPAR #785561

$435,000
12/12/2025

Expired

CPAR #774835

$449,500

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 10802 Cedar Ridge Lane

Taxable ValueLand-Additions-Total-
Tax Record2025$2,441 ($203 / month)
Home Facts
Beds4Total Finished SqFt2,291 SqFtAbove Grade Finished SqFt2,291 SqFtStories1Lot Size30,492 SqFtStyleSingle Family ResidenceYear Built2008ZoningBC08CountyBAYAPN07585-338-000Fireplace TypeHas Fireplace

Schools near 10802 Cedar Ridge Lane

This home is within Bay.
Rating
School
Type
Grades
Distance
Deane Bozeman School
Public - PK to 12
North Bay Haven Career Academy
Charter - 9 to 12
North Bay Haven Charter Academy Middle School
Charter - 6 to 8
Bay Haven Charter Middle School
Charter - 6 to 8
Rating
School
Distance
Deane Bozeman School
PublicPK to 12

North Bay Haven Career Academy
Charter9 to 12

North Bay Haven Charter Academy Middle School
Charter6 to 8

Bay Haven Charter Middle School
Charter6 to 8

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 10802 Cedar Ridge Lane, Panama City, FL 32409

10802 Cedar Ridge Lane is a single family home for sale in Panama City, FL 32409. This property was listed for sale on February 20, 2026 by Miller & Associates Realty, it's currently listed at $420,000. It has been on the market for a total of 90 days and was last sold on September 5, 2012. This listing's school district is Bay. Nearby schools include Deane Bozeman School, North Bay Haven Career Academy and North Bay Haven Charter Academy Middle School. 10802 Cedar Ridge Lane is a 4-bed, 2-bath, 2,291 sqft single family home built in 2008.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of Miller & Associates Realty

The data relating to real estate for sale/lease on this web site come in part from a cooperative data exchange program of the Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. The properties displayed may not be all of the properties in the MLS's database, or all of the properties listed with Brokers participating in the cooperative data exchange program. Information deemed reliable but not guaranteed. Copyright© 2026 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.