3783 Payne Lake Road, Chipley, FL 32428
$450,000
Property Type:
Residential
Bedrooms:
5
Baths:
4
Square Footage:
3,100
Lot Size (sq. ft.):
63,162
Status:
Under Contract – Taking Backups
Current Price:
$450,000
List Date:
5/15/2026
Last Modified:
6/03/2026
Listing Details MLS# 789905
Contract Info
- List Price/SqFt
- 145.16
Location
- Area
- 10 – Washington County
- Street #
- 3783
- Street Name
- Payne Lake
- Street Suffix
- Road
- State
- FL
- Zip Code
- 32428
- County
- Washington
- Sub Area
- 1003 – Washington SW
- Subdivision
- Payne Lakes Phase 1
- Community/Resort
- None
- Waterfront
- Yes
- Gulf Access
- No
- Parcel ID
- 00000000-00-3322-0003
- Elementary School
- Vernon Elementary
- Middle School
- Vernon
- High School
- Vernon
- Directions
- North On 77 to Hwy 279 (Moss Hill Rd) at Greenhead go approximately 3 miles to Payne Lake Estates, turn right on Payne Lake Road and Home will be first one on left
- Legal Description
- 20 2 14 ORB 585 P 181 LOT 4 PAYNE LAKES REC PLAT BLK A
General Property Info
- Sub-Type
- Detached Single Family
- Design
- Country
- Apx SqFt(Htd/Cooled)
- 3100
- SqFt Source
- Owner Measured
- Full Baths
- 4
- Total Baths
- 4
- # of Stories in Building
- 2
- Year Built
- 1986
- Construction Status
- Construction Complete
- New Construction
- No
- Garage Y/N
- Yes
- Garage Spaces
- 3
- Lot Dimensions
- 175x470x406
- Acreage
- 1.45
- Lot Size (SqFt)
- 63162
- Pool
- No
Status Change Info
- Under Contract Date
- 2026-06-03
Waterfront Feature
- Waterfront Feet
- 100
Listing Info, Tax and Legal
- HOA Fee
- No
- New Buyer Fee
- No
- Last Taxes
- 880
- Last Tax Year
- 2025
- Brokerage Interest
- No Interest
More Information
Remarks & Misc
- Remarks
- Under Contract – Taking Backups the phrase 'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Lakefront living with room to breathe on beautiful Payne Lake! Situated on 1.45 private acres just outside Chipley, this property offers peaceful country living with easy access to Panama City, the Gulf Coast, and Tyndall Air Force Base. Inside, the open-concept layout is filled with natural light and showcases stunning lake views through expansive windows. The spacious kitchen flows seamlessly into the living and dining areas, creating the perfect setup for entertaining or relaxing after a day on the water. Step outside to a large deck shaded by mature oak trees overlooking the lake–ideal for morning coffee, sunset dinners, and weekend gatherings. Enjoy kayaking, fishing, paddleboarding, and abundant wildlife right from your backyard. A separate efficiency suite with private entrance, kitchenette, and full bath adds incredible flexibility for guests, multi-generational living, or potential rental income. With no HOA and plenty of space for boats, hobbies, gardens, or future expansion, this property offers the freedom to truly enjoy lake life. All this while being less than an hour from Panama City and the beaches. If you've been searching for privacy, views, and a laid-back waterfront lifestyle, this Payne Lake retreat delivers.
Den
- First
- Yes
Appliances
- Dishwasher
- Yes
- Range – Electric
- Yes
- Refrigerator
- Yes
- Water Heater – Electric
- Yes
Interior Features
- Guest Quarters
- Yes
- Stairs
- Yes
Construction/Siding
- Block
- Yes
- Concrete
- Yes
- Foundation – Slab on Grade
- Yes
- Siding – Metal
- Yes
Exterior
- Deck Open
- Yes
- Fenced Chain Link
- Yes
Other Structures
- Guest House
- Yes
- Second Garage
- Yes
Furnished
- Unfurnished
- Yes
Interior
- Insulated Floors
- Yes
Kitchen
- Second
- Yes
Living Room
- Second
- Yes
Lot Features
- Cleared
- Yes
- Waterfront
- Yes
- Wooded
- Yes
Lot Access
- County Road
- Yes
- Dirt/Clay Road
- Yes
- Graded/Maintained
- Yes
- Private Road
- Yes
Parking Features
- Additional Parking
- Yes
- Driveway
- Yes
- Garage Attached
- Yes
- Garage Detached
- Yes
- Garage Door Opener
- Yes
Mstr Bath / Mstr Bdrm
- MBed Walk-in Closet
- Yes
Present Zoning
- Resid Single Family
- Yes
Rooms
- Bedroom
- Yes
- Den
- Yes
- Kitchen
- Yes
- Living Room
- Yes
- Master Bedroom
- Yes
Utilities
- Electricity – Connected
- Yes
- Private Well
- Yes
- Septic Tank
- Yes
Waterview
- Lake
- Yes
Sale Type
- As Is
- Yes
Waterfront Type
- Lakefront
- Yes
Master Bedroom
- Third
- Yes
Bedroom
- Second
- Yes
Cooling
- Ceiling Fan(s)
- Yes
- Central Air
- Yes
- Electric
- Yes
Heating
- Central
- Yes
- Electric
- Yes
Property Features
Appliances:
Dishwasher; Range – Electric; Refrigerator; Water Heater – Electric
Master Bedroom:
Third
Bedroom:
Second
Cooling:
Ceiling Fan(s); Central Air; Electric
Heating:
Central; Electric
Exterior:
Deck Open; Fenced Chain Link
Furnished:
Unfurnished
Interior:
Insulated Floors
Kitchen:
Second
Living Room:
Second
Lot Features:
Cleared; Waterfront; Wooded
Lot Access:
County Road; Dirt/Clay Road; Graded/Maintained; Private Road
Den:
First
Parking Features:
Additional Parking; Driveway; Garage Attached; Garage Detached; Garage Door Opener
Other Structures:
Guest House; Second Garage
Rooms:
Bedroom; Den; Kitchen; Living Room; Master Bedroom
Sale Type:
As Is
Utilities:
Electricity – Connected; Private Well; Septic Tank
Waterfront Type:
Lakefront
Waterview:
Lake
Present Zoning:
Resid Single Family
Room Information
| Room Name | Level | Dimensions | Length | Width |
|---|---|---|---|---|
| Living Room | Second | 13 x 11 | 13.00 | 11.00 |
| Master Bedroom | Third | 10 x 13 | 10.00 | 13.00 |
| Bedroom | Second | 15 x 12 | 15.00 | 12.00 |
| Bedroom | Second | 13 x 13 | 13.00 | 13.00 |
| Kitchen | Second | 10 x 10 | 10.00 | 10.00 |
| Den | First | 19 x 16 | 19.00 | 16.00 |
Listing Office:
Hilltop Legacy Realty
Last Updated: June – 03 – 2026
Information deemed reliable but not guaranteed.