5 beds3,100 sqft$132/sqft
3783 Payne Lake Rd, Chipley, FL 32428
Est: $2,152/moGet pre-approved

Description

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...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, kitchenette, and full bath offers flexibility for guests, multi-generational living, or rental income. Also, could be perfect for a shop and man cave or she shed. With no HOA and plenty of room for boats, RVs, hobbies, gardens, or future expansion, this property offers the space and freedom to enjoy lakefront living.
LISTING UPDATED: 08/17/2026 03:29 PM

  1. Listed by Nathan R Lawrence • Legacy Premier Agency LLC • nathan@legacypremieragency.com
  2. Listed by Kurt J Fadden • Legacy Premier Agency LLC

Property Details for 3783 Payne Lake Road

Status
MLS #
1009273
Days on Market
16
Taxes
-
HOA Fees
-
Condo/Co-op Fees
-
Property Type
MLS Type
Residential / Detached Single Family / Single Family Residence
Year Built
1986
Lot Size
-
Waterfront Features
Lake
Zoning
Resid Single Family
Architectural Style
Craftsman Style
Subdivision Name
Payne Lakes
Waterfront YN
Yes

Location

Listing Courtesy of Legacy Premier Agency LLC
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Building Information for 3783 Payne Lake Road

Stories3Year Built1986Building Size-Lot Size-

Payment Calculator

$2,152 per month

30 year fixed, 6.55% Interest

Principal and Interest

$2,079

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
  • Community Features: Short Term Rental Allowed
  • Directions: Heading east from Freeport, take FL-20 E, Turn left onto FL-77 N, Keep Right, Continue onto FL-77 N, Turn left onto State Hwy 279/Moss Hill Rd, Continue to follow Moss Hill Rd, Turn right onto Payne Lake Rd, Destination will be on the left
  • MLS Area Minor: 1003 - Washington SW
  • MLS Area Major: 10 - Washington County
  • Latitude: 30.556743
  • Longitude: -85.666945
  • Location Tax and Legal:Sub Area: 3005 - Washington County
  • Location Tax and Legal:Elementary School: Not Available
  • Location Tax and Legal:Middle School: Not Available
  • Location Tax and Legal:High School: Not Available
  • Location Tax and Legal:Legal Description: 20 2 14 ORB 585 P 181 LOT 4 PAYNE LAKES REC PLAT BLK A, (ELE ORB 1297 P 194)
  • Garage: true
Taxes and HOA
  • Tax Legal Description: 20 2 14 ORB 585 P 181 LOT 4 PAYNE LAKES REC PLAT BLK A, (ELE ORB 1297 P 194)
  • Parcel Number: 00000000-00-3322-0003
  • Association Fee: $0
  • Association YN: No
  • Tax Annual Amount: $880
School Information
  • Elementary School: Vernon Elementary
  • Middle Or Junior School: Vernon
  • High School: Vernon
Parking
  • Carport YN: No
  • Attached Garage YN: Yes
  • Parking Features: Garage Detached
  • Garage YN: Yes
  • Garage Spaces: 2.0
  • Parking Features: Garage Attached, Garage Detached
Property
Lot Information
  • Building Area Source: Agent-Measured
  • Lot Size Dimensions: 165 x 460 x 412
  • Lot Size Acres: 0.84
  • Lot Size Area: 0.84
  • Lot Size Units: Acres
  • Property Condition: Construction Complete
  • Other Structures: Second Garage, Other
  • Lot Features: Within 1/2 Mile to Water
  • Building Area Total: 3100.0
  • Lot Size Square Feet: 36503.0
  • Living Area Source: Owner
  • General Property Info:SqFt Source: Agent-Measured
  • Waterfront: Lake
  • Waterfront Feet 2: 100
  • LotParcel Access: DirtClay Road
  • Lot Features: Within 12 Mile to Water
Property and Assessments
  • Road Surface Type: Dirt
  • Tax Year: 2025.0
  • Floor Plans Count: 2.0
  • Property Type: Residential
  • Year Built: 1986.0
  • Property Sub Type: Detached Single Family
  • Property Type Label: Residential
  • New Construction YN: No
  • General Property Info:Sub-Type: Detached Single Family
  • General Property Info:Design: Craftsman Style
  • Construction Status: Construction Complete
  • Occupancy Status: Vacant
Utilities
  • Sewer: Septic Tank
  • Utilities: Electric
  • Water Source: Private Well
  • Electric: True
  • Utilities: Electric, Private Well, Septic Tank
  • Energy: AC - Central Elect, Heat Cntrl Electric
Interior and Exterior Features
Exterior Features
  • Exterior Features: Deck, Patio
  • Stories: 3.0
  • Patio And Porch Features: Deck Open, Patio Enclosed
  • Fencing: Fenced Chain Link
  • General Property Info:Pool: No
  • General Property Info:Pool Type: None
  • Exterior: Deck Open, Fenced Chain Link, Patio Enclosed
Interior Features
  • Heating: Central
  • Cooling: Central Air
  • Interior Features: Ceiling Beamed, Ceiling Vaulted, Fireplace
  • Flooring: Floor Tile, Floor Vinyl
  • Window Features: Window Treatment All
  • Room Type: Bedroom, Living Room, Dining Area, Kitchen
  • Rooms Total: 7.0
  • Bathrooms Total Integer: 4.0
  • Bathrooms Total Decimal: 4.0
  • Bathrooms Total Notational: 4.0
  • Cooling YN: Yes
  • Heating YN: Yes
  • Bedrooms Total: 5.0
  • Bathrooms Full: 4.0
  • Kitchen Appliances: Dishwasher, Microwave, Refrigerator, Stove/Oven Electric
  • Interior: Ceiling Beamed, Ceiling Vaulted, Fireplace, Floor Tile, Floor Vinyl, Window Treatment All
  • Appliances: Dishwasher, Microwave, Refrigerator, StoveOven Electric
Room Information
Room 1
  • Room Type: Bedroom
  • Room Level: Third
  • Room Length: 16.6
  • Room Width: 15.5
  • Room Dimensions: 16.6 x 15.5
Room 2
  • Room Type: Bedroom
  • Room Level: Second
  • Room Length: 13.2
  • Room Width: 12.1
  • Room Dimensions: 13.2 x 12.1
Room 3
  • Room Type: Bedroom
  • Room Level: Second
  • Room Length: 10.9
  • Room Width: 12.8
  • Room Dimensions: 10.9 x 12.8
Room 4
  • Room Type: Bedroom
  • Room Level: First
  • Room Length: 12.3
  • Room Width: 12.1
  • Room Dimensions: 12.3 x 12.1
Room 5
  • Room Type: Living Room
  • Room Level: Second
  • Room Length: 19.11
  • Room Width: 15.5
  • Room Dimensions: 19.11 x 15.5
Room 6
  • Room Type: Dining Area
  • Room Level: Second
  • Room Length: 11.5
  • Room Width: 9.9
  • Room Dimensions: 11.5 x 9.9
Room 7
  • Room Type: Kitchen
  • Room Level: Second
  • Room Length: 12.4
  • Room Dimensions: 12.4 x 9.4
Rental
Rent Information
  • Listing Info Tax Legal:Is Subject Leased: false

Property History for 3783 Payne Lake Road

DateEvent & SourcePriceAppreciation
Aug 17, 2026

Price Change

ECAR #1009273

$409,000
Aug 17, 2026

Price Change

CPAR #793626

$409,000
Aug 5, 2026

Listed (Active)

ECAR #1009273

$429,000
DateEvent & SourcePrice
08/17/2026

Price Change

ECAR #1009273

$409,000
08/17/2026

Price Change

CPAR #793626

$409,000
08/05/2026

Listed (Active)

ECAR #1009273

$429,000

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-Additions-Total-
Tax Record2025$880 ($73 / month)
Home Facts
Beds0Baths2Total Finished SqFt1,192 SqFtAbove Grade Finished SqFt1,192 SqFtStories1Lot Size36,503 SqFtStyleSingle Family ResidenceYear Built1986Year Renovated2007CountyWASHINGTONAPN00000000-00-3322-0003

Schools near 3783 Payne Lake Road

This home is within Washington County School District.
Rating
School
Type
Grades
Distance
Public - PK to 5
Public - K to 5
Public - 6 to 8
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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3783 Payne Lake Road is a single family home for sale in Chipley, FL 32428. This property was listed for sale on August 5, 2026 by Legacy Premier Agency LLC, it's currently listed at $409,000. It has been on the market for a total of 16 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 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 Legacy Premier Agency LLC

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.