3783 Payne Lake Road, Chipley, FL 32428 (MLS# 793626)

3783 Payne Lake Road, Chipley, FL 32428

New Listing

$429,000

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Property Type: Residential Bedrooms: 5 Baths: 4 Square Footage: 3,100 Lot Size (sq. ft.): 36,503 Status: Active

Current Price: $429,000 List Date: 8/05/2026 Last Modified: 8/06/2026

Overview

Description

Lakefront living on beautiful Payne Lake. Situated on 1.45 private acres just outside Chipley, this waterfront property offers privacy and peaceful country living with Panama City, the Gulf Coast, and Tyndall Air Force Base all within an easy drive. The open floor plan is filled with natural light and features expansive windows overlooking the lake. The spacious kitchen connects to the living and dining areas, making it ideal for everyday living and entertaining. Outside, a large deck shaded by mature oak trees provides the perfect place to enjoy the view, whether you're having morning coffee or watching the sunset. Spend your days fishing, kayaking, paddleboarding, or enjoying the wildlife right from your backyard. A separate efficiency mother-in-law suite with its own private entrance, kitchenette, and full bath offers flexibility for guests, multi-generational living, or rental income. Also, could be perfect for a shop and man cave or she shed. With no HOA and plenty of room for boa … (Read more)

Listing Details MLS# 793626

Contract Info

List Price/SqFt: 138.39

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
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: Heading N on FL-77 from Panama City, pass FL-20, Turn left onto State Hwy 279/Moss Hill Rd, Continue to follow Moss Hill Rd,Turn right onto Payne Lake Rd, The Destination will be on the left
Legal Description: 20 2 14 ORB 585 P 181 LOT 4 PAYNE LAKES REC PLAT BLK A, (ELE ORB 1297 P 194)

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 3100
SqFt Source: Owner Measured
Full Baths: 4
Total Baths: 4
Accessory Dwelling Unit: No
Year Built: 1986
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 2
Lot Dimensions: 165 x 460 x 412
Acreage: 0.84
Lot Size (SqFt): 36503
Pool: No

Waterfront Feature

Waterfront Feet: 100

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Last Taxes: 879.68
Last Tax Year: 2025
Brokerage Interest: No Interest

Remarks & Misc

Remarks: Lakefront living on beautiful Payne Lake. Situated on 1.45 private acres just outside Chipley, this waterfront property offers privacy and peaceful country living with Panama City, the Gulf Coast, and Tyndall Air Force Base all within an easy drive. The open floor plan is filled with natural light and features expansive windows overlooking the lake. The spacious kitchen connects to the living and dining areas, making it ideal for everyday living and entertaining. Outside, a large deck shaded by mature oak trees provides the perfect place to enjoy the view, whether you're having morning coffee or watching the sunset. Spend your days fishing, kayaking, paddleboarding, or enjoying the wildlife right from your backyard. A separate efficiency mother-in-law suite with its own private entrance, kitchenette, and full bath offers flexibility for guests, multi-generational living, or rental income. Also, could be perfect for a shop and man cave or she shed. With no HOA and plenty of room for boats, RVs, hobbies, gardens, or future expansion, this property offers the space and freedom to enjoy lakefront living.

More Information

Appliances

Dishwasher: Yes
Microwave: Yes
Oven – Electric: Yes
Range – Electric: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

Interior Features

Ceiling – Beamed: Yes
Ceiling – Vaulted: Yes
Fireplace: Yes
Floor – Tile: Yes
Floor – Vinyl Plank: Yes
Stairs: Yes
Window – Treatment All: Yes

Exterior

Deck Open: Yes
Fenced Chain Link: Yes
Patio Enclosed: Yes

Other Structures

Second Garage: Yes
Other: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Furnished

Unfurnished: Yes

Living Room

Second: Yes

Lot Features

Within 1/2 Mile to Water: Yes

Lot Access

Dirt/Clay Road: Yes

Parking Features

Garage Attached: Yes

Present Zoning

Resid Single Family: Yes

Rooms

Bedroom: Yes
Living Room: Yes
Primary Bathroom: Yes

Showing

ShowingTime: Yes

Utilities

Electricity – Connected: Yes
Private Well: Yes
Septic Tank: Yes

Waterfront Type

Lakefront: Yes

Bedroom

First: Yes
Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Primary Bdrm/Primary Bath

MBath Shower Only: Yes

Primary Bathroom

Third: Yes

Property Features

Appliances: Dishwasher; Microwave; Oven – Electric; Range – Electric; Refrigerator; Water Heater – Electric Bedroom: First; Second Cooling: Ceiling Fan(s); Central Air; Electric Heating: Central; Electric Exterior: Deck Open; Fenced Chain Link; Patio Enclosed Financing: Cash; Conventional; FHA; VA Furnished: Unfurnished Living Room: Second Lot Features: Within 1/2 Mile to Water Lot Access: Dirt/Clay Road Primary Bathroom: Third Parking Features: Garage Attached Other Structures: Second Garage; Other Rooms: Bedroom; Living Room; Primary Bathroom Showing: ShowingTime Utilities: Electricity – Connected; Private Well; Septic Tank Waterfront Type: Lakefront Present Zoning: Resid Single Family

Room Information

Room Name	Level	Dimensions	Length	Width
Primary Bathroom	Third	16.6 x 15.5	16.60	15.50
Bedroom	Second	13.2 x 12.1	13.20	12.10
Bedroom	Second	10.9 x 12.8	10.90	12.80
Bedroom	First	12.3 x 12.1	12.30	12.10
Living Room	Second	19.11 x 15.5	19.11	15.50

Listing Office: Legacy Premier Agency

Last Updated: August – 06 – 2026

Information deemed reliable but not guaranteed.