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3783 Payne Lake Road
Chipley, FL 32428

$429,000 - Status: Active

Beds: 5

Baths: 4 full

SQFT (H&C): 3,100

MLS# 793626

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.

Property Features

MLS#: 793626

Zip: 32428

Subdivision: Payne Lakes

Development: 1003 - Washington Sw

Property Type: Residential - Single Family

Cooling: Central Air, Ceiling Fan(s)

Days on Site: 2

Garage: 2

Heating: Central, Electric

Home Style: Craftsman

Lot Size: 0.84 acres

Taxes: $879

Year Built: 1986

SQFT (H&C): 3,100

Feature Descriptions

Appliances: Electric Oven, Electric Range, Electric Water Heater

Community Features: Short Term Rental Allowed

Exterior Features: Deck, Patio

Fencing: Chain Link

Interior Features: Interior Steps, Shower Only

Lot Dimensions: 165 x 460 x 412

Parcel#: 00000000-00-3322-0003

Patio/Porch: Deck, Enclosed, Patio

Utilities: Electricity Available

Waterfront: Lake, Lake Front

Room Sizes

Living Room: 19.11 X 15.5 Level - Second

Bedroom: 12.3 X 12.1 Level - First

Bedroom: 10.9 X 12.8 Level - Second

Bedroom: 13.2 X 12.1 Level - Second

Primary Bathroom: 16.6 X 15.5 Level - Third

Local Schools

High School: Vernon

Middle School: Vernon

Elementary School: Vernon Elementary

3783 Payne Lake Road | MLS# 793626

This single family home located at 3783 Payne Lake Road , Chipley, FL 32428 is currently listed for sale with an asking price of $429,000. This property was built in 1986 and has 5 bedrooms and 4 full baths with 3100 sq. ft. Payne Lake Road is located in the Payne Lakes subdivision. Search Payne Lakes real estate on cindyhamre.beachybeach.com today.

Listed By / Shown By

Listed By

Agency Name: Legacy Premier Agency

Shown By

Agent Name: Cindy Hamre
Agent Phone: (850) 258-7930
Agency Title: Beachy Beach Real Estate

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Agent License Information: Real Estate Broker or Sales Primary SL3025569 Sales Associate Current, Active 03/31/2028

3783 Payne Lake Road Chipley, FL 32428