Pending

3783 Payne Lake Road

Chipley, FL 32428

$450,000 $1,897/Mo

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Overview

Bed

Bath

1.45

Acres(Lot)

Description

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, paddleb oarding, 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.

Property Details

Property Type : Residential

Price : $450,000

AD Id : 78722459

MLS Id : 789905

Beds : 5

Lot Size : 1.45 Acres

Year Built : 1986

Garage : 3

County : Washington

Subdivision: Patrician Oaks

Map

What's Nearby

Nearby Areas

Features

Bedroom Information

Total beds: 5

Bathroom Information

Total Baths: 4 Full Baths: 4

Room Information

Rooms Total: 6
Interior Features

InteriorSteps

Appliances: ElectricRange, ElectricWaterHeater
Heating & Cooling

Has Heating: Yes Heating: Central, Electric Has Cooling: Yes Cooling: CentralAir, CeilingFans Water front: 1

Building Information

Year Built: 1986

Building Area Total: 3100

Construction Materials: Block, MetalSiding, Concrete

Stories: 2

Patio And Porch Features: Deck

Private Pool: No

Water front Features: Lake,LakeFront

View: Lake
Exterior Features

Exterior Features: Deck

Lot Information

Lot Dimensions: 175x470x406 Main Square Feet: 1.45 Lot Size Acres: 1.45 Lot Size Square Feet: 63,162

Property Information

Subdivision: Payne Lakes Phase 1 Source Property Type: Residential MLS Area Minor: 1003 - Washington SW Zoning Description: Resid Single Family Property SubType: Single Family Residence Levels: Two Property Age: 40

Listing Price Information

Listing Price: $450000

Tax Information

Parcel Number: 00000000-00-3322-0003 Tax Year: 2025 Annual Tax: $880 Tax Legal Desc: 20 2 14 ORB 585 P 181 LOT 4 PAYNE LAKES REC PLAT BLK A

Virtual Tour

Virtual Tour (External Link)

Parking Information

AdditionalParking, Garage, GarageDoorOpener

Garage Information

Has Garage: Yes Garage Space: 3

School Information

Elementary School: Vernon Elementary Junior High School: Vernon Senior High School: Vernon
Utility Information

ElectricityAvailable
Location Information

Direction: 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

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Nearby Home Value

Address	Estimate	Bed	Bath	Sq. Ft
3283 Akers Trail, Chipley, FL, 32428	$165,000	3	2	--
434 Tinker Lane, Chipley, FL, 32428	$385,000	2	2	--
3360 Peppervine Place, Chipley, FL, 32428	$275,000	4	3	--
3385 Orange Hill Road, Chipley, FL, 32428	$324,900	3	3	--
1712 Shamrock Lane, Chipley, FL, 32428	$449,900	4	3	--
LOT 10 Elkcam Boulevard, Chipley, FL, 32428	$6,690	--	--	--
1988 Orange Hill Road, Chipley, FL, 32428	$199,900	3	1	--
LOT 15 Curry Place, Chipley, FL, 32428	$11,995	--	--	--
LOT 4 Claremont Boulevard, Chipley, FL, 32428	$7,500	--	--	--
Bloomfield Street, Chipley, FL, 32428	$10,000	--	--	--

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ByOwner last updated this listing 06/07/2026 @ 04:27

MLS: 789905 LISTED BY: Christopher Moseley, Hilltop Legacy Realty 850-774-3442 SOURCE: CPAR