3783 Payne Lake RD Chipley, FL 32428
Open House
Sat Apr 25, 10:00am - 1:00pm
UPDATED:
Key Details
Property Type Single Family Home
Sub Type Single Family Residence
Listing Status Active
Purchase Type For Sale
Square Footage 3,100 sqft
Price per Sqft $145
Subdivision Payne Lakes Phase 1
MLS Listing ID 779897
Style Country
Bedrooms 5
Full Baths 4
HOA Y/N No
Year Built 1986
Annual Tax Amount $816
Tax Year 2024
Lot Size 1.450 Acres
Acres 1.45
Property Sub-Type Single Family Residence
Property Description
Wake up to water views, towering oak trees, and the kind of peace you can't find in the city. This stunning lakefront retreat on Payne Lake sits on 1.45 private acres just outside Chipley, offering the perfect balance of quiet country living with easy access to Panama City, the Gulf Coast, and Tyndall Air Force Base.
✨ Why This Home Stands Out
• Breathtaking Lake Views - Expansive windows throughout the main home flood the open floorplan with natural light and showcase serene water views.
• Spacious & Inviting Interior - A modern kitchen anchors generous living and dining areas, ideal for entertaining or everyday comfort.
• Outdoor Living Paradise - Step onto the large deck overlooking Payne Lake, shaded by mature oak trees—perfect for morning coffee, sunset dinners, or weekend gatherings.
• Private In-Law Suite / Income Potential - A separate efficiency unit with its own entrance, kitchenette, and full bath offers flexibility for guests, multi-generational living, or rental income.
• Room to Roam - Enjoy privacy, space for gardens, hobbies, boats, or future expansion—no HOA restrictions.
Lake Life at Your Doorstep
Kayak, paddleboard, fish, or simply enjoy the abundant wildlife right from your backyard. Payne Lake is a natural playground for outdoor enthusiasts and anyone craving a slower pace.
Convenient Location
• Panama City - ~48 miles (under an hour)
• Panama City Beach - ~53 miles (about 1 hour)
• Tyndall Air Force Base - ~61 miles (easy commuter distance)
Perfect For
• Buyers seeking peaceful lakefront living
• Multi-generational households
• Military buyers commuting to Tyndall AFB
• Nature lovers who still want beach days within reach
This is more than a home—it's a lifestyle. Quiet mornings, lake adventures, and room to truly breathe. Schedule your private showing and experience Payne Lake living for yourself.
Location
State FL
County Washington
Community Short Term Rental Allowed
Area 10 - Washington County
Interior
Interior Features Interior Steps
Heating Central, Electric
Cooling Central Air, Ceiling Fan(s)
Fireplace No
Appliance Electric Range, Electric Water Heater
Exterior
Exterior Feature Deck
Parking Features Additional Parking, Garage, Garage Door Opener
Garage Spaces 3.0
Garage Description 3.0
Fence Chain Link
Community Features Short Term Rental Allowed
Utilities Available Electricity Available
Waterfront Description Lake,Lake Front
View Y/N Yes
Water Access Desc Lake,Lake Front
View Lake
Porch Deck
Private Pool No
Building
Foundation Slab
Architectural Style Country
Additional Building Second Garage, Guest House
New Construction No
Schools
Elementary Schools Vernon Elementary
Middle Schools Vernon
High Schools Vernon
Others
Restrictions Short Term Rentals Allowed
Tax ID 00000000-00-3322-0003
Special Listing Condition Listed As-Is
NEARBY SCHOOL & BUSINESS
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