3783 Payne Lake Road
Chipley, FL 32428
5
Bed
4
Bath
0.84Acre(Lot)
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, k
Property Details
Map
Map
What's Nearby
Nearby Areas
Features
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Bedroom Information
Total beds: 5Bathroom Information
Total Baths: 4 Full Baths: 4Room Information
Rooms Total: 5 -
Interior Features
InteriorSteps, ShowerOnlyAppliances: ElectricOven, ElectricRange, ElectricWaterHeater -
Heating & Cooling
Has Heating: Yes Heating: Central, Electric Has Cooling: Yes Cooling: CentralAir, CeilingFans Water front: 1
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Building Information
Year Built: 1986Building Area Total: 3100Patio And Porch Features: Deck, Enclosed, PatioPrivate Pool: NoWater front Features: Lake,LakeFront -
Exterior Features
Exterior Features: Deck, Patio
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Lot Information
Lot Dimensions: 165 x 460 x 412 Main Square Feet: 0.84 Lot Size Acres: 0.84 Lot Size Square Feet: 36,503Property Information
Subdivision: Payne Lakes Source Property Type: Residential MLS Area Minor: 1003 - Washington SW Zoning Description: Resid Single Family Property SubType: Single Family Residence Property Age: 40
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Listing Price Information
Listing Price: $409000Original Price: $429000
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Tax Information
Parcel Number: 00000000-00-3322-0003 Tax Year: 2025 Annual Tax: $879.68 Tax Legal Desc: 20 2 14 ORB 585 P 181 LOT 4 PAYNE LAKES REC PLAT BLK A, (ELE ORB 1297 P 194)
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Garage Information
Has Garage: Yes Garage Space: 2
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School Information
Elementary School: Vernon Elementary Junior High School: Vernon Senior High School: Vernon -
Utility Information
ElectricityAvailable -
Location Information
Direction: 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
How much is this property worth?
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Nearby Home Value
| Address | Estimate | Bed | Bath | Sq. Ft | Lot Size |
|---|---|---|---|---|---|
| 460 Quail Hollow Boulev.., Chipley, FL, 32428 | $160,000 | 3 | 2 | -- | |
| 434 Tinker Lane, Chipley, FL, 32428 | $375,000 | 2 | 2 | -- | |
| 3304 Sears Road, Chipley, FL, 32428 | $200,000 | 3 | 3 | -- | |
| 3251 Hill Lane, Chipley, FL, 32428 | $349,999 | 4 | 2 | -- | |
| 661 Us-90, Chipley, FL, 32428 | $459,900 | 4 | 3 | -- | |
| 1712 Shamrock Lane, Chipley, FL, 32428 | $439,900 | 4 | 3 | -- | |
| LOT 10 Elkcam Boulevard, Chipley, FL, 32428 | $6,690 | -- | -- | -- | |
| 1988 Orange Hill Road, Chipley, FL, 32428 | $199,900 | 3 | 1 | -- | |
| 2246 Orange Hill Road, Chipley, FL, 32428 | $249,900 | 3 | 1 | -- | |
| Bloomfield Street, Chipley, FL, 32428 | $8,500 | -- | -- | -- |
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ByOwner last updated this listing 08/18/2026 @ 19:50
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