3783 Payne Lake Rd
Description
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...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. 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. • 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. • 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. • 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.
- Listed by Christopher Moseley • Hilltop Legacy Realty
Property Details for 3783 Payne Lake Road
Property Details for 3783 Payne Lake Road
| Status | Active |
|---|---|
| MLS # | 779897 |
| Days on Market | 111 |
| Taxes | $816 / year |
| HOA Fees | - |
| Condo/Co-op Fees | - |
| Compass Type | Single Family |
| MLS Type | Residential / Single Family Residence / Single Family Residence |
| Year Built | 1986 |
| Lot Size | 1.45 AC / 63,162 SF |
| County | Washington County |
Location
Building Information for 3783 Payne Lake Road
Payment Calculator
$2,505 per month
30 year fixed, 6.15% Interest
$2,437
$68
$0
Property Information for 3783 Payne Lake Road
- City: Chipley
- County Or Parish: Washington
- 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.
- Road Surface Type: Dirt, Maintained
- State Region: FL
- Postal Code: 32428
- Latitude: 30.556743
- Longitude: -85.666944
- State Or Province: FL
- Road Frontage Type: Private Road
- MLS Area Major: 10 - Washington County
- MLS Area Minor: 1003 - Washington SW
- Parcel Number: 00000000-00-3322-0003
- Association: No
- Tax Annual Amount: $816.00
- Tax Legal Description: 20 2 14 ORB 585 P 181 LOT 4 PAYNE LAKES REC PLAT BLK A
- Tax Year: 2024
- Elementary School: Vernon Elementary
- High School: Vernon
- Middle Or Junior School: Vernon
- Attached Garage: No
- Garage Spaces: 3.0
- Garage: Yes
- Building Area Total: 3100.0
- Lot Size Acres: 1.45
- Lot Size Area: 1.45
- Lot Size Dimensions: 175x470x406
- Lot Size Units: Acres
- Lot Size Square Feet: 63162.0
- Living Area Source: Owner
- Other Structures: Second Garage, Guest House
- Year Built: 1986
- New Construction: No
- Human Modified: No
- Utilities: Electricity Available
- Exterior Features: Deck
- Fencing: Chain Link
- Community Features: Short Term Rental Allowed
- Construction Materials: Metal Siding
- Patio And Porch Features: Deck
- Bathrooms Full: 4
- Bathrooms Total: 4
- Bedrooms Total: 5
- Rooms Total: 6
- Cooling: Yes
- Cooling: Central Air, Ceiling Fans
- Heating: Yes
- Heating: Central, Electric
- Appliances: Electric Range, Electric Water Heater
- Interior Features: Interior Steps
- Room Dimensions: 19 x 16
- Room Length: 19.0
- Room Level: First
- Room Type: Den
- Room Width: 16.0
- Room Dimensions: 10 x 10
- Room Length: 10.0
- Room Level: Second
- Room Type: Kitchen
- Room Width: 10.0
- Room Dimensions: 13 x 13
- Room Length: 13.0
- Room Level: Second
- Room Type: Bedroom
- Room Width: 13.0
- Room Dimensions: 15 x 12
- Room Length: 15.0
- Room Level: Second
- Room Type: Bedroom
- Room Width: 12.0
- Room Dimensions: 10 x 13
- Room Length: 10.0
- Room Level: Third
- Room Type: Primary Bedroom
- Room Width: 13.0
- Room Dimensions: 13 x 11
- Room Length: 13.0
- Room Level: Second
- Room Type: Living Room
- Room Width: 11.0
- Units Furnished: None
- Mobile Dim Units: Feet
- Occupant Type: Occupied
Property History for 3783 Payne Lake Road
| Date | Event & Source | Price | Appreciation |
|---|---|---|---|
| Nov 21, 2025 | Price Change CPAR #779897 | $500,000 | — |
| Oct 24, 2025 | Price Change CPAR #779897 | $530,000 | — |
| Oct 3, 2025 | Listed (Active) CPAR #779897 | $540,000 | — |
| May 4, 2005 | Sold (Public Record) Public Record #594524497 | $235,000 | — |
| May 2, 2005 | Sold (Public Record) Public Record #594409106 | $60,000 | — |
| May 2, 2005 | Sold CPAR #322478 | $235,000 | — |
| Mar 6, 2005 | Pending CPAR #322478 | — | |
| Aug 23, 2004 | Listed (Active) CPAR #322478 | $230,000 | — |
| May 9, 2004 | Expired CPAR #310351 | $225,000 | — |
| May 13, 2003 | Listed (Active) CPAR #310351 | $225,000 | — |
| Date | Event & Source | Price |
|---|---|---|
| 11/21/2025 | Price Change CPAR #779897 | $500,000 |
| 10/24/2025 | Price Change CPAR #779897 | $530,000 |
| 10/03/2025 | Listed (Active) CPAR #779897 | $540,000 |
| 05/04/2005 | Sold (Public Record) Public Record #594524497 | $235,000 |
| 05/02/2005 | Sold (Public Record) Public Record #594409106 | $60,000 |
| 05/02/2005 | Sold CPAR #322478 | $235,000 |
| 03/06/2005 | Pending CPAR #322478 | — |
| 08/23/2004 | Listed (Active) CPAR #322478 | $230,000 |
| 05/09/2004 | Expired CPAR #310351 | $225,000 |
| 05/13/2003 | Listed (Active) CPAR #310351 | $225,000 |
For completeness, Compass often displays two records for one sale: the MLS record and the public record.
Public Records for 3783 Payne Lake Road
Schools near 3783 Payne Lake Road
Rating | School | Type | Grades | Distance |
|---|---|---|---|---|
| Public - | PK to 5 | |||
| Public - | PK to 5 | |||
| Public - | 6 to 8 | |||
| Public - | 6 to 8 |
Rating | School | Distance |
|---|---|---|
Kate M. Smith Elementary School PublicPK to 5 | ||
Vernon Elementary School PublicPK 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.
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No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims 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 discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass makes no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.
Listing Courtesy of Hilltop Legacy 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.
