3783 Payne Lake Road, Chipley, FL 32428 (MLS# 779897)

HOA Fee: No

New Buyer Fee: No

Last Taxes: 816

Last Tax Year: 2024

Brokerage Interest: No Interest

List Price/SqFt: 161.29

Status: Active

List Date: 2025-10-03

List Price: $500,000

Current Price: $500,000

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

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

Remarks: Lakefront Living Meets Laid-Back Country Charm on Payne Lake Wake up to water views, towering oak trees, and the kind of peace you can't find in the city. This stunning lakefront retreat on Payne Lake sits on 1.45 private acres just outside Chipley, offering the perfect balance of quiet country living with easy access to Panama City, the Gulf Coast, and Tyndall Air Force Base. ✨ Why This Home Stands Out • Breathtaking Lake Views - Expansive windows throughout the main home flood the open floorplan with natural light and showcase serene water views. • Spacious & Inviting Interior - A modern kitchen anchors generous living and dining areas, ideal for entertaining or everyday comfort. • Outdoor Living Paradise - Step onto the large deck overlooking Payne Lake, shaded by mature oak trees—perfect for morning coffee, sunset dinners, or weekend gatherings. • Private In-Law Suite / Income Potential - A separate efficiency unit with its own entrance, kitchenette, and full bath offers flexibility for guests, multi-generational living, or rental income. • Room to Roam - Enjoy privacy, space for gardens, hobbies, boats, or future expansion—no HOA restrictions. Lake Life at Your Doorstep Kayak, paddleboard, fish, or simply enjoy the abundant wildlife right from your backyard. Payne Lake is a natural playground for outdoor enthusiasts and anyone craving a slower pace. Convenient Location • Panama City - ~48 miles (under an hour) • Panama City Beach - ~53 miles (about 1 hour) • Tyndall Air Force Base - ~61 miles (easy commuter distance) Perfect For • Buyers seeking peaceful lakefront living • Multi-generational households • Military buyers commuting to Tyndall AFB • Nature lovers who still want beach days within reach This is more than a home—it's a lifestyle. Quiet mornings, lake adventures, and room to truly breathe. Schedule your private showing and experience Payne Lake living for yourself.

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