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

Acreage: 0.84

Design: Craftsman Style

Lot Size (SqFt): 36503

Apx SqFt(Htd/Cooled): 3100

Construction Status: Construction Complete

SqFt Source: Owner Measured

Accessory Dwelling Unit: No

Lot Dimensions: 165 x 460 x 412

New Construction: No

Garage Y/N: Yes

Garage Spaces: 2

Pool: No

Sub-Type: Detached Single Family

Bedrooms: 5

Full Baths: 4

Total Baths: 4

Year Built: 1986

List Price/SqFt: 138.39

Status: Active

List Date: 2026-08-05

List Price: $429,000

Current Price: $429,000

Sub Area: 1003 - Washington SW

Community/Resort: None

Waterfront: Yes

Gulf Access: No

Elementary School: Vernon Elementary

Middle School: Vernon

High School: Vernon

Directions: 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

Area: 10 - Washington County

Street #: 3783

Street Name: Payne Lake

Street Suffix: Road

State: FL

Zip Code: 32428

County: Washington

Subdivision: Payne Lakes

Parcel ID: 00000000-00-3322-0003

Legal Description: 20 2 14 ORB 585 P 181 LOT 4 PAYNE LAKES REC PLAT BLK A, (ELE ORB 1297 P 194)

HOA Fee: No

New Buyer Fee: No

Last Taxes: 879.68

Last Tax Year: 2025

Brokerage Interest: No Interest

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.

Dishwasher: 1

Microwave: 1

Oven - Electric: 1

Range - Electric: 1

Water Heater - Electric: 1

Ceiling - Vaulted: 1

Fireplace: 1

Floor - Tile: 1

Floor - Vinyl Plank: 1

Stairs: 1

Window - Treatment All: 1

Deck Open: 1

Fenced Chain Link: 1

Patio Enclosed: 1

Second Garage: 1

Other: 1

Cash: 1

Conventional: 1

FHA: 1

VA: 1

Unfurnished: 1

Second: 1

Within 1/2 Mile to Water: 1

Dirt/Clay Road: 1

Garage Attached: 1

Resid Single Family: 1

Bedroom: 1

Living Room: 1

Primary Bathroom: 1

ShowingTime: 1

Electricity - Connected: 1

Private Well: 1

Septic Tank: 1

Lakefront: 1

First: 1

Second: 1

Ceiling Fan(s): 1

Central Air: 1

Electric: 1

Central: 1

Electric: 1

MBath Shower Only: 1

Third: 1