3783 Payne Lake Road, Chipley, FL 32428
$409,000
Property Type:
Residential
Bedrooms:
5
Baths:
4
Square Footage:
3,100
Status:
Active
Current Price:
$409,000
List Date:
8/05/2026
Last Modified:
8/17/2026
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.
More Information MLS# 1009273
General Property Info
userdefined76: 0
Sub-Type: Detached Single Family
Design: Craftsman Style
SqFt Source: Agent-Measured
Garage: Yes
Carport: No
Pool: No
Pool Type: None
Apx SqFt(Htd/Cooled): 3100
Bedrooms: 5
Full Baths: 4
Total Bathrooms: 4
# Stories: 3
Year Built: 1986
Contract Info
Listing Board: Emerald Coast
List Price/SqFt: 131.94
List Date: 2026-08-05
Current Price: $409,000
List Price: $409,000
Location, Tax and Legal
Sub Area: 3005 - Washington County
Elementary School: Not Available
Middle School: Not Available
High School: Not Available
Legal Description: 20 2 14 ORB 585 P 181 LOT 4 PAYNE LAKES REC PLAT BLK A, (ELE ORB 1297 P 194)
Listing Info, Tax & Legal
Is Subject Leased: No
Assessment Fees: No
New Buyer Fee: No
Brokerage Interest: No Interest
As Is: Yes
Remarks & Misc
Remarks: 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.
Waterfront
Lake: 1
Waterfront Feet: 100
Construction Status
Construction Complete: 1
Parking Features
Garage Attached: 1
Garage Detached: 1
Lot/Parcel Access
Dirt/Clay Road: 1
Lot Features
Within 1/2 Mile to Water: 1
Showing
ShowingTime: 1
Utilities
Electric: 1
Private Well: 1
Septic Tank: 1
Zoning
Resid Single Family: 1
Exterior
Deck Open: 1
Fenced Chain Link: 1
Patio Enclosed: 1
Interior
Ceiling Beamed: 1
Ceiling Vaulted: 1
Fireplace: 1
Floor Tile: 1
Floor Vinyl: 1
Window Treatment All: 1
Financing
Conventional: 1
FHA: 1
VA: 1
Appliances
Dishwasher: 1
Microwave: 1
Refrigerator: 1
Stove/Oven Electric: 1
Energy
AC - Central Elect: 1
Heat Cntrl Electric: 1
Mstr Bdrm/Mstr Bath
MBath Shower Only: 1
Bedroom
First: 1
Second: 1
Third: 1
Kitchen
Second: 1
Living Room
Second: 1
Rooms
Bedroom: 1
Dining Area: 1
Kitchen: 1
Living Room: 1
Status Change Info
Status: Active
Location Tax and Legal
Area: 30 - Other Counties
Street #: 3783
Street Name: Payne Lake
Street Suffix: Road
State: FL
Zip Code: 32428
County: Washington
Project Name/Subdivision: Payne Lakes
Parcel ID: 00000000-00-3322-0003
Property Features
Construction Status: Construction Complete
Lot Features: Within 1/2 Mile to Water
Zoning: Resid Single Family
Waterfront: Lake
Parking Features: Garage Attached; Garage Detached
Exterior: Deck Open; Fenced Chain Link; Patio Enclosed
Interior: Ceiling Beamed; Ceiling Vaulted; Fireplace; Floor Tile; Floor Vinyl; Window Treatment All
Appliances: Dishwasher; Microwave; Refrigerator; Stove/Oven Electric
Utilities: Electric; Private Well; Septic Tank
Energy: AC - Central Elect; Heat Cntrl Electric
Bedroom: First; Second; Third
Kitchen: Second
Living Room: Second
Rooms: Bedroom; Dining Area; Kitchen; Living Room
Financing: Conventional; FHA; VA
Showing: ShowingTime
Room Information
Bedroom
Level: Third
Dimensions: 16.6 x 15.5
Length: 16.60
Width: 15.50
Dimensions: 16.6 x 15.5
Bedroom
Level: Second
Dimensions: 13.2 x 12.1
Length: 13.20
Width: 12.10
Dimensions: 13.2 x 12.1
Bedroom
Level: Second
Dimensions: 10.9 x 12.8
Length: 10.90
Width: 12.80
Dimensions: 10.9 x 12.8
Bedroom
Level: First
Dimensions: 12.3 x 12.1
Length: 12.30
Width: 12.10
Dimensions: 12.3 x 12.1
Living Room
Level: Second
Dimensions: 19.11 x 15.5
Length: 19.11
Width: 15.50
Dimensions: 19.11 x 15.5
Dining Area
Level: Second
Dimensions: 11.5 x 9.9
Length: 11.50
Width: 9.90
Dimensions: 11.5 x 9.9
Kitchen
Level: Second
Dimensions: 12.4 x 9.4
Length: 12.40
Width: 9.40
Dimensions: 12.4 x 9.4
Listing Office:
Legacy Premier Agency LLC
Listing Agent:
Nathan R Lawrence
Last Updated: August - 17 - 2026
All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.