Address
3783 Payne Lake Road, Chipley, FL
Price
$ 389,000
Property Attributes
- MLS#793626
- TypeSingle Family
- Listing Status Active
- CountyWashington
- CityChipley
- Area10 - Washington County
- NeighborhoodPayne Lakes
- Zip32428
- Style
- Year Built1986
- Taxes$ 879
- Price$ 389,000
- Bedrooms5
- Full Bathrooms4
- Half Bathrooms0
- Sqr Footage3100
- Lot Size0.84 Acres
Data Source:
Central Panhandle Association of REALTORS® (CPAR)
Property 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 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.
| Elementary School | Middle School | High School |
|---|---|---|
| Vernon Elementary Elementary School | Vernon Middle School | Vernon High School |
| Price History | |
|---|---|
| 8/5/2026 | Listed $429,000 |
| 8/17/2026 | 5$409,000 |
| 9/1/2026 | 2$400,000 |
| 9/14/2026 | 3$389,000 |
General Features
| Utilities | Electricity Available |
|---|---|
| Property Subtype | Single Family Residence |
| Tax Year | 2025 |
| Community Features | Short Term Rental Allowed |
| County | Washington |
| Property Type | Residential |
| HOA | false |
| Subdivision Name | Payne Lakes |
| Status | Active |
| Directions | Heading N on FL-77 from Panama City, pass FL-20, Turn left onto State Hwy 279/Moss Hill Rd, Continue to follow Moss Hill Rd,Turn right onto Payne Lake Rd, The Destination will be on the left |
| High School | Vernon |
| City | Chipley |
| Zoning Description | Resid Single Family |
| MLS Area | 10 - Washington County |
| Lot Size Units | Acres |
| Lot Size Square Feet | 36503 |
| Elementary School | Vernon Elementary |
| Tax Annual Amount | 879.68 |
| Middle/Junior High School | Vernon |
| MLS Area Minor | 1003 - Washington SW |
| Standard Status | Active |
| Property Sub Type Additional | Single Family Residence |
| Other Structures | Second Garage,Other |
| Occupancy Type | Vacant |
| Waterfront Features | Lake,Lake Front |
| Year Built | 1986 |
| Heating | Central,Electric |
| Cooling | Central Air,Ceiling Fan(s) |
| Appliances | Electric Oven,Electric Range,Electric Water Heater |
| Patio/Porch Features | Deck,Enclosed,Patio |
| Attached Garage | false |
| Garage Y/N | true |
| Total Rooms | 5 |
| Full Baths | 4 |
| Garage Spaces | 2 |
| Architectural Style | Craftsman |
| New Construction | false |
Interior Features
| Total Baths | 4 |
|---|---|
| Interior Amenities | Interior Steps,Shower Only |
| Furnished Units | None |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Total Bedrooms | 5 |
| LivingAreaSource | Owner |
Exterior Features
| Lot Size Area | 0.84 |
|---|---|
| Lot Dimensions | 165 x 460 x 412 |
| Lot Size Acres | 0.84 |
| Road Surface Type | Dirt |
| Building Area Total | 3100 |
| Waterfront Y/N | true |
| Exterior Amenities | Deck,Patio |
| Fencing | Chain Link |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 32428
Price
Taxes
Year Built
Emerald Coast Association of REALTORS®, Inc. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers
Listing data provided by: Central Panhandle Association of Realtors (CPAR)
Information deemed reliable but not guaranteed. The information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating
