3783 Payne Lake Rd
Description
Discover this tranquil lakefront retreat just outside Chipley, a spacious, well-appointed home on 1.45 acres with direct Payne Lake frontage, blending peaceful country charm with easy access to the Gulf Coast and Tyndall Air Force Base. Property Highlights:
Generous, open floorplan: Large windows throughout the main house capture breathtaking lake views and flood the interior with natural light. You'll find a modern kitchen,...Stunning Lakefront Oasis on Payne Lake — Quiet Country Living with Gulf Access
Discover this tranquil lakefront retreat just outside Chipley, a spacious, well-appointed home on 1.45 acres with direct Payne Lake frontage, blending peaceful country charm with easy access to the Gulf Coast and Tyndall Air Force Base. Property Highlights:
Generous, open floorplan: Large windows throughout the main house capture breathtaking lake views and flood the interior with natural light. You'll find a modern kitchen, expansive living and dining spaces, several bedrooms, and full bathrooms. Outdoor living at its finest: A big deck framed by mature oak trees overlooks Payne Lake — the perfect place to sip morning coffee, entertain friends, or simply absorb the serenity. Flexible in-law suite: A separate efficiency unit with its own kitchenette, bathroom, and private entrance. Ideal for guests, extended family, or rental income. Peaceful, private setting: Located on a quiet, maintained road — offering privacy, room to roam, and space for gardens, hobbies, or future additions. Recreation on the lake: Kayak, paddleboard, fish, or observe wildlife right from your backyard. Payne Lake is a natural playground. Location & Commute:
Panama City Beach: Approximately 53 miles (about 1 hour 5 minutes) away from Chipley. Tyndall Air Force Base: Roughly 61 miles (about 98 km) by road from Chipley. Panama City: Around 48 miles (about 57 minutes' drive) from Chipley. This makes the property especially appealing for those who want rural, lakeside peace without being isolated — whether you're commuting to Tyndall AFB, working in Panama City, or heading to the beach on the weekends. Why You'll Love It:
Ideal for multi-generational living — the in-law suite adds flexibility & value
A nature lover's dream — bring your kayaks, fish, or just unwind by the water
Military friendly — within comfortable commuting distance to Tyndall AFB
Beach access — Gulf Coast adventures are just a drive away
No HOA — more freedom to make this home you
- 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 | 82 |
| 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
$2,539 per month
30 year fixed, 6.28% Interest
$2,471
$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© 2025 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.
