3783 Payne Lake Road, Chipley, FL 32428

Chipley
Local realty services provided by:Better Homes and Gardens Real Estate Historic
3783 Payne Lake Road,Chipley, FL 32428
$489,000
  • 5 Beds
  • 4 Baths
  • 3,100 sq. ft.
  • Single family
  • Active
Listed by: christopher moseley
Office: hilltop legacy realty
MLS#:779897
Source:FL_BCMLS

Price summary

  • Price:$489,000
  • Price per sq. ft.:$157.74

About this home

Lakefront Living Meets Laid-Back Country Charm on Payne Lake 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

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Home facts

  • Year built:1986
  • Listing ID #:779897
  • Added:146 day(s) ago
  • Updated:February 26, 2026 at 03:25 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

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

Schools

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

Finances and disclosures

  • Price:$489,000
  • Price per sq. ft.:$157.74
  • Tax amount:$816 (2024)

Features and amenities

  • Amenities:ElectricRange, ElectricWaterHeater
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