3783 Payne Lake Road, Chipley, FL 32428 (MLS# 789905)

List Price/SqFt: 145.16

Status: Active

List Date: 2026-05-15

List Price: $450,000

Current Price: $450,000

Sub Area: 1003 - Washington SW

Community/Resort: None

Waterfront: Yes

Gulf Access: No

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

Area: 10 - Washington County

Street #: 3783

Street Name: Payne Lake

Street Suffix: Road

State: FL

Zip Code: 32428

County: Washington

Subdivision: Payne Lakes Phase 1

Parcel ID: 00000000-00-3322-0003

Legal Description: 20 2 14 ORB 585 P 181 LOT 4 PAYNE LAKES REC PLAT BLK A

Acreage: 1.45

Design: Country

Lot Size (SqFt): 63162

Apx SqFt(Htd/Cooled): 3100

Construction Status: Construction Complete

SqFt Source: Owner Measured

# of Stories in Building: 2

Lot Dimensions: 175x470x406

New Construction: No

Garage Y/N: Yes

Garage Spaces: 3

Pool: No

Sub-Type: Detached Single Family

Bedrooms: 5

Full Baths: 4

Total Baths: 4

Year Built: 1986

HOA Fee: No

New Buyer Fee: No

Last Taxes: 880

Last Tax Year: 2025

Brokerage Interest: No Interest

Remarks: 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.

First: 1

Dishwasher: 1

Range - Electric: 1

Refrigerator: 1

Water Heater - Electric: 1

Guest Quarters: 1

Stairs: 1

Block: 1

Concrete: 1

Foundation - Slab on Grade: 1

Siding - Metal: 1

Deck Open: 1

Fenced Chain Link: 1

Waterfront Feet: 100

Guest House: 1

Second Garage: 1

Unfurnished: 1

Insulated Floors: 1

Second: 1

Second: 1

Cleared: 1

Waterfront: 1

Wooded: 1

County Road: 1

Dirt/Clay Road: 1

Graded/Maintained: 1

Private Road: 1

Additional Parking: 1

Driveway: 1

Garage Attached: 1

Garage Detached: 1

Garage Door Opener: 1

MBed Walk-in Closet: 1

Resid Single Family: 1

Bedroom: 1

Den: 1

Kitchen: 1

Living Room: 1

Master Bedroom: 1

Electricity - Connected: 1

Private Well: 1

Septic Tank: 1

Lake: 1

As Is: 1

Lakefront: 1

Third: 1

Second: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1