3545 Payne Lake Rd

Chipley, FL 32428

$395,000
Last Sold Price
2
Beds
1,761 Sq. Ft.
$224 / Sq. Ft.
1,761
Sq. Ft.
$224
per Sq. Ft.
Get preapproved with Rocket Mortgage1
Sold 9/11/24
Sold 9/11/24

Description

Currently under contract, seller will consider backup offers. Experience the allure of this one-of-a-kind 2-bedroom, 2-bathroom waterfront log cabin on Payne Lake in Washington County, Florida. With approximately 200' of waterfront property, and nestled on 2.9 acres across two lots, this charming home offers over 1,700 square feet of heated and cooled living space, in a rustic log cabin setting. The home also includes a spacious third-floor bonus room, perfect for an office, playroom, or potential...Currently under contract, seller will consider backup offers. Experience the allure of this one-of-a-kind 2-bedroom, 2-bathroom waterfront log cabin on Payne Lake in Washington County, Florida. With approximately 200' of waterfront property, and nestled on 2.9 acres across two lots, this charming home offers over 1,700 square feet of heated and cooled living space, in a rustic log cabin setting. The home also includes a spacious third-floor bonus room, perfect for an office, playroom, or potential third bedroom, which boasts two log cabin-style low-profile ceiling fans with lighting. The generous kitchen and dining area provide an inviting space for gatherings, and was updated in 2022 with new refrigerator, Kitchen sink and faucet. Both bathrooms received log vanities in recent years with custom sinks, including a matching log mirror in the Master Bathroom. Throughout the home, Luxury Vinyl Plank covers the floors, adding the look of wood floors yet with the resilience of LVP, and at the same time adding to the appeal of the log cabin. Relax in the cozy Living Room, taking in the gorgeous view from the two large 8' sliding patio doors that overlook Payne Lake, or unwind on the shaded back deck. This home has been updated in recent years to include a new roof (2019), new skylights, and new A/C System (2021). The exterior of the cabin is immaculate and leads down to the lake to enjoy the fire pit, sit/fish off one of the two docks, or just soak up some sun. Bistro lights lining the trees over the fire pit area, make for a great entertaining space for friends and family. Kayak or canoe early mornings or evenings on Payne Lake for exercise or to chunk a lure or two; this home has so much to offer. Truly a rare gem in the Panhandle of Florida, your very own waterfront log cabin awaits you. This cabin is an amazing primary residence or a perfect getaway, located just a short drive from Northwest Florida Beaches International Airport and the stunning beaches of Panama City Beach, Florida. Call to schedule your showing today!
  1. Listed by Michael F Tadlock • Elite Realty
  2. Listed by Cindy R Birge • Elite Realty

Property Details for 3545 Payne Lake Road

Architectural Style
Log Home
Waterfront
Yes
Waterfront Features
Lake, Lake Front
Subdivision Name
Payne Lakes Phase Two
View
Lake
Zoning Description
Resid Single Family
View
Yes
LISTING CLOSED: 09/11/2024 12:00 AM

Property Details for 3545 Payne Lake Road

StatusSold
MLS #760333
Days on Market3
Taxes$2,682 / year
HOA Fees-
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential / Single Family Residence / Single Family Residence
Year Built2005
Lot Size2.90 AC / 126,324 SF
CountyWashington County
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Location

Listing Courtesy of Elite Realty

Sold By CENTURY 21 Commander Realty

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Building Information for 3545 Payne Lake Road

Stories-Year Built2005Building Size-Lot Size2.90 AC / 126,324 SF

Payment Calculator

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$2,231 per month

30 year fixed, 6.55% Interest

Principal and Interest

$2,008

Property Taxes

$224

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 3545 Payne Lake Road

Summary
Location and General Information
  • City: Chipley
  • County Or Parish: Washington
  • Directions: South on Hwy 77 from I-10 to Moss Hill Road in Greenhead area, Turn right heading west, Turn right on Payne Lake Road, house on left.
  • Road Surface Type: Dirt
  • State Region: FL
  • Postal Code: 32428
  • Latitude: 30.556029
  • Longitude: -85.666399
  • State Or Province: FL
  • MLS Area Major: 10 - Washington County
  • MLS Area Minor: 1003 - Washington SW
Taxes and HOA Information
  • Parcel Number: 00000000-00-3322-0352
  • Association: No
  • Tax Annual Amount: $2,682.00
  • Tax Legal Description: LOT 1 BLK A PAYNE LAKES PHASE II REC SUBD, ORB 1187 P 633 LOT 51 BLK A PAYNE LAKES PHASE II REC PLAT, ORB 1229 P 262
  • Tax Year: 2023
School Information
  • Elementary School: Vernon Elementary
  • High School: Vernon
  • Middle Or Junior School: Vernon
Parking
  • Attached Garage: No
  • Garage: No
Property
Lot Information
  • Building Area Total: 1761.0
  • Lot Size Acres: 2.9
  • Lot Size Area: 2.9
  • Lot Size Dimensions: 100x400
  • Lot Size Units: Acres
  • Lot Size Square Feet: 126324.0
  • Living Area Source: Appraiser
Property and Assessments
  • Other Structures: Outbuilding, Other
  • Year Built: 2005
  • New Construction: No
  • Human Modified: No
Utilities
  • Utilities: Electricity Available
Interior and Exterior Features
Exterior Features
  • Exterior Features: Deck, Dock, Fire Pit
  • Construction Materials: Wood Siding
  • Patio And Porch Features: Deck
  • Security Features: Security System, Smoke Detectors
  • Roof: Shake
Interior Features
  • Entry Level: 2
  • Bathrooms Full: 2
  • Bathrooms Total: 2
  • Bedrooms Total: 2
  • Rooms Total: 9
  • Cooling: Yes
  • Cooling: Central Air
  • Heating: Yes
  • Heating: Electric, Fireplaces
  • Appliances: Electric Cooktop, Electric Oven, Electric Water Heater
  • Fireplace Features: Electric
  • Fireplace: Yes
  • Interior Features: Utility Room
Room Information
Room 1
  • Room Dimensions: 14 x 14
  • Room Length: 14.0
  • Room Level: Third
  • Room Type: Bonus Room
  • Room Width: 14.0
Room 2
  • Room Dimensions: 11 x 9
  • Room Length: 11.0
  • Room Level: Second
  • Room Type: Primary Bathroom
  • Room Width: 9.0
Room 3
  • Room Dimensions: 13 x 11
  • Room Length: 13.0
  • Room Level: Second
  • Room Type: Primary Bedroom
  • Room Width: 11.0
Room 4
  • Room Dimensions: 11 x 10
  • Room Length: 11.0
  • Room Level: Second
  • Room Type: Dining Room
  • Room Width: 10.0
Room 5
  • Room Dimensions: 11 x 10
  • Room Length: 11.0
  • Room Level: Second
  • Room Type: Kitchen
  • Room Width: 10.0
Room 6
  • Room Dimensions: 10 x 9
  • Room Length: 10.0
  • Room Level: First
  • Room Type: Utility Room
  • Room Width: 9.0
Room 7
  • Room Dimensions: 10 x 5
  • Room Length: 10.0
  • Room Level: First
  • Room Type: Full Bath
  • Room Width: 5.0
Room 8
  • Room Dimensions: 10 x 10
  • Room Length: 10.0
  • Room Level: First
  • Room Type: Bedroom
  • Room Width: 10.0
Room 9
  • Room Dimensions: 14 x 12
  • Room Length: 14.0
  • Room Level: First
  • Room Type: Living Room
  • Room Width: 12.0
Multi Family
Multi-Family Information
  • Units Furnished: All Units
Mobile Home
Mobile Home Information
  • Mobile Dim Units: Feet
Rental
Rental Information
  • Occupant Type: Occupied

Property History for 3545 Payne Lake Road

DateEvent & SourcePriceAppreciation
Sep 11, 2024

Sold

CPAR #760333

$395,000—
Sep 9, 2024

Sold (Public Record)

Public Record #1542503959

$395,000

+12.3% / yr

Jul 25, 2024

Pending

CPAR #760333

—
DateEvent & SourcePrice
09/11/2024

Sold

CPAR #760333

$395,000
09/09/2024

Sold (Public Record)

Public Record #1542503959

$395,000

+12.3% / yr

07/25/2024

Pending

CPAR #760333

—

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 3545 Payne Lake Road

Taxable ValueLand$30,000Additions$263,211Total$293,211
Home Facts
Beds2Total Finished SqFt2,190 SqFtAbove Grade Finished SqFt1,710 SqFtFinished Basement SqFt480 SqFtLot Size52,141 SqFtStyleSingle Family ResidenceYear Built2005Year Renovated2014CountyWASHINGTONAPN33220352

Schools near 3545 Payne Lake Road

This home is within Washington County School District.
Rating
School
Type
Grades
Distance
Vernon Elementary School
Public - PK to 5
Kate M. Smith Elementary School
Public - K to 5
Roulhac Middle School
Public - 6 to 8
Vernon Middle School
Public - 6 to 8
Rating
School
Distance
Vernon Elementary School
PublicPK to 5

Kate M. Smith Elementary School
PublicK to 5

Roulhac Middle School
Public6 to 8

Vernon Middle School
Public6 to 8

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

Similar Homes

Nearby home values

AddressSold priceBedsBathsSqftLot AC
3539 Payne Lake Road, Chipley, FL 32428
$429,900
4
2,720
2.51
Lot 51 Payne Lake Road, Chipley, FL 32428
$8,500
–
–
–
1.78
3549 Payne Lake Road, Chipley, FL 32428
$13,500
2
2
910
2.03
5 5 Payne Lake Road, Chipley, FL 32428
$18,000
–
–
–
1.68
Lot 8 Payne Lake, Chipley, FL 32428
$6,000
–
–
–
1.09

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No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Elite Realty

The data relating to real estate for sale/lease on this web site come in part from a cooperative data exchange program of the Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. The properties displayed may not be all of the properties in the MLS's database, or all of the properties listed with Brokers participating in the cooperative data exchange program. Information deemed reliable but not guaranteed. Copyright© 2026 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.