<p>Chitosan nanoparticles are promising carriers for the delivery of labile bioactive compounds, yet the complex interplay between formulation parameters—particularly pH, crosslinker concentration, and drug loading—remains incompletely understood. This study systematically investigated the impact of critical formulation parameters—pH (3, 4, 5), sodium tripolyphosphate (STPP) concentration, and ascorbic acid (AA) loading—on the physicochemical properties of chitosan nanoparticles prepared via ionic gelation. A full factorial design was employed to quantify individual and interactive effects on mean hydrodynamic diameter (MHD), zeta potential (ZP), and entrapment efficiency (%EE). Results demonstrated that pH and STPP concentration were the dominant interacting factors controlling particle size and colloidal stability, while AA loading primarily influenced drug encapsulation. Statistical modeling confirmed a significant pH × STPP interaction for MHD and ZP, whereas AA did not exhibit statistically significant interactive effects on these attributes. However, for entrapment efficiency, significant negative interactions between AA and both pH and STPP revealed a competitive binding mechanism between ascorbate and tripolyphosphate anions. Optimal nanoparticle characteristics—small size (MHD ~ 135–185 nm), high stability (ZP &gt; + 20 mV), and superior drug loading (40–60% EE)—were achieved at pH 3 with moderate STPP levels. A 30-day descriptive stability study further confirmed that pH 3 formulations maintained colloidal integrity. This work provides a data-driven framework for rationally designing chitosan-based nanocarriers, demonstrating that careful control of pH and crosslinker concentration enables tailored particle size and stability, while managing competitive drug–crosslinker interactions is essential for maximizing entrapment efficiency.</p> Graphical Abstract <p></p>