3783 Payne Lake Rd

Chipley, FL 32428

$450,000
Price
5
Beds
3,100 Sq. Ft.
$145 / Sq. Ft.
3,100
Sq. Ft.
$145
per Sq. Ft.
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Description

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...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, paddleboarding, 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.
  1. Listed by Christopher Moseley • Hilltop Legacy Realty

Property Details for 3783 Payne Lake Road

Architectural Style
Country
Waterfront
Yes
Waterfront Features
Lake, Lake Front
Parking Features
Additional Parking, Garage, Garage Door Opener
Subdivision Name
Payne Lakes Phase 1
View
Lake
Zoning Description
Resid Single Family
View
Yes
LISTING UPDATED: 06/02/2026 07:43 PM

Property Details for 3783 Payne Lake Road

StatusActive
MLS #789905
Days on Market18
Taxes$880 / year
HOA Fees-
Condo/Co-op Fees-
Property TypeSingle Family
MLS TypeResidential / Single Family Residence / Single Family Residence
Year Built1986
Lot Size1.45 AC / 63,162 SF
CountyWashington County
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Location

Listing Courtesy of Hilltop Legacy Realty
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Building Information for 3783 Payne Lake Road

Stories2Year Built1986Building Size-Lot Size1.45 AC / 63,162 SF

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$2,316 per month

30 year fixed, 6.36% Interest

Principal and Interest

$2,242

Property Taxes

$73

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 3783 Payne Lake Road

Summary
Location and General Information
  • 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: 30.556747
  • Longitude: -85.666948
  • State Or Province: FL
  • Road Frontage Type: Private Road
  • MLS Area Major: 10 - Washington County
  • MLS Area Minor: 1003 - Washington SW
Taxes and HOA Information
  • Parcel Number: 00000000-00-3322-0003
  • Association: No
  • Tax Annual Amount: $880.00
  • Tax Legal Description: 20 2 14 ORB 585 P 181 LOT 4 PAYNE LAKES REC PLAT BLK A
  • Tax Year: 2025
School Information
  • Elementary School: Vernon Elementary
  • High School: Vernon
  • Middle Or Junior School: Vernon
Parking
  • Attached Garage: No
  • Garage Spaces: 3.0
  • Garage: Yes
Property
Lot Information
  • 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
Property and Assessments
  • Other Structures: Second Garage, Guest House
  • Year Built: 1986
  • New Construction: No
  • Human Modified: No
Utilities
  • Utilities: Electricity Available
Interior and Exterior Features
Exterior Features
  • Exterior Features: Deck
  • Fencing: Chain Link
  • Community Features: Short Term Rental Allowed
  • Construction Materials: Block, Metal Siding, Concrete
  • Foundation Details: Slab
  • Patio And Porch Features: Deck
Interior Features
  • Levels: Two
  • Stories: 2
  • Stories Total: 2
  • 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 Information
Room 1
  • Room Dimensions: 13 x 11
  • Room Length: 13.0
  • Room Level: Second
  • Room Type: Living Room
  • Room Width: 11.0
Room 2
  • Room Dimensions: 10 x 13
  • Room Length: 10.0
  • Room Level: Third
  • Room Type: Primary Bedroom
  • Room Width: 13.0
Room 3
  • Room Dimensions: 15 x 12
  • Room Length: 15.0
  • Room Level: Second
  • Room Type: Bedroom
  • Room Width: 12.0
Room 4
  • Room Dimensions: 13 x 13
  • Room Length: 13.0
  • Room Level: Second
  • Room Type: Bedroom
  • Room Width: 13.0
Room 5
  • Room Dimensions: 10 x 10
  • Room Length: 10.0
  • Room Level: Second
  • Room Type: Kitchen
  • Room Width: 10.0
Room 6
  • Room Dimensions: 19 x 16
  • Room Length: 19.0
  • Room Level: First
  • Room Type: Den
  • Room Width: 16.0
Multi Family
Multi-Family Information
  • Units Furnished: None
Mobile Home
Mobile Home Information
  • Mobile Dim Units: Feet
Rental
Rental Information
  • Occupant Type: Vacant

Property History for 3783 Payne Lake Road

DateEvent & SourcePriceAppreciation
May 15, 2026

Listed (Active)

CPAR #789905

$450,000—
May 14, 2026

Withdrawn

CPAR #779897

$450,000—
Mar 31, 2026

Price Change

CPAR #779897

$485,000—
DateEvent & SourcePrice
05/15/2026

Listed (Active)

CPAR #789905

$450,000
05/14/2026

Withdrawn

CPAR #779897

$450,000
03/31/2026

Price Change

CPAR #779897

$485,000

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

Public Records for 3783 Payne Lake Road

Taxable ValueLand$30,000Additions$10,217Total$40,217
Tax Record2025$454 ($38 / month)
Home Facts
Beds0Lot Size26,528 SqFtStyleMiscellaneous ResidentialCountyWASHINGTONAPN33220023

Schools near 3783 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.

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More information about 3783 Payne Lake Road, Chipley, FL 32428

3783 Payne Lake Road is a single family home for sale in Chipley, FL 32428. This property was listed for sale on May 15, 2026 by Hilltop Legacy Realty, it's currently listed at $450,000. It has been on the market for a total of 18 days and was last sold on May 4, 2005. This listing's school district is Washington County School District. Nearby schools include Vernon Elementary School, Kate M. Smith Elementary School and Roulhac Middle School. 3783 Payne Lake Road is a 5-bed, 4-bath, 3,100 sqft single family home built in 1986.

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, 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 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.