3783 Payne Lake Road, Chipley, FL 32428

Chipley
Local realty services provided by:ERA Neubauer Real Estate, Inc.
3783 Payne Lake Road,Chipley, FL 32428
$450,000
  • 5 Beds
  • 4 Baths
  • 3,100 sq. ft.
  • Single family
  • Active
Upcoming open houses
  • Fri, May 22
    04:00 pm - 06:00 pm
Listed by: christopher moseley
Office: hilltop legacy realty
MLS#:789905
Source:FL_BCMLS

Price summary

  • Price:$450,000
  • Price per sq. ft.:$145.16

About this home

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...

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Home facts

  • Year built:1986
  • Listing ID #:789905
  • Added:4 day(s) ago
  • Updated:May 22, 2026 at 02:34 PM

Rooms and interior

  • Bedrooms:5
  • Total bathrooms:4
  • Full bathrooms:4
  • Rooms Total:6
  • Kitchen Description:Electric Range, Electric Water Heater
  • Living area:3,100 sq. ft.

Heating and cooling

  • Cooling:CeilingFans, CentralAir
  • Heating:Central, Electric
  • Central air:Yes

Structure and exterior

  • Year built:1986
  • Building area:3,100 sq. ft.
  • Lot area:1.45 Acres
  • Architectural Style:Country
  • Construction Materials:Block, Concrete, MetalSiding
  • Exterior Features:Deck
  • Foundation Description:Slab
  • Levels:2 Story

Schools

  • High school:Vernon
  • Middle school:Vernon
  • Elementary school:Vernon Elementary

Finances and disclosures

  • Price:$450,000
  • Price per sq. ft.:$145.16
  • Tax amount:$880 (2025)

Features and amenities

  • Amenities:ElectricRange, ElectricWaterHeater

Parking

  • Parking description:Additional Parking, Garage
  • Garage:Yes
  • Garage spaces:3
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