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
$450,000
  • 5 Beds
  • 4 Baths
  • 3,100 sq. ft.
  • Single family
  • Active
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...

Contact an agent

contact an agent

Yes, I would like more information. Please use and/or share my information with a BHGRE®  affiliated agent to contact me about my real estate needs. By clicking Send message, I request to be contacted by phone or text message and consent to being contacted by automated means. I understand that my consent to receive calls or texts is not a condition of purchasing any property, goods, or services. Alternatively, I understand that I can access real estate services by email or I can contact the agent myself.

If a BHGRE®  affiliated agent is not available in the area where I need assistance, I agree to be contacted by a real estate agent affiliated with another brand owned or licensed by Anywhere Real Estate (CENTURY 21® , Coldwell Banker® , Corcoran® , ERA® , Sotheby's International Realty® ). I acknowledge that I have read and agree to theTerms of useandPrivacy notice

Home facts

  • Year built:1986
  • Listing ID #:789905
  • Added:10 day(s) ago
  • Updated:May 28, 2026 at 02:36 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
The information being provided by Central Panhandle Association Of REALTORS® is for the consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumer may be interested in purchasing. Any information relating to real estate for sale referenced on this web site comes from the Internet Data Exchange (IDX) program of the Central Panhandle Association Of REALTORS®. Better Homes and Gardens Real Estate Historic is not a Multiple Listing Service (MLS), nor does it offer MLS access. This website is a service of Better Homes and Gardens Real Estate Historic, a broker participant of Central Panhandle Association Of REALTORS®. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. The accuracy of all information, regardless of source, including but not limited to open house information, square footages and lot sizes, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. The data contained herein is copyrighted by Central Panhandle Association Of REALTORS® and is protected by all applicable copyright laws. Any unauthorized dissemination of this information is in violation of copyright laws and is strictly prohibited. Properties in listings may have been sold or may no longer be available. Copyright 2026 Central Panhandle Association Of REALTORS®. All rights reserved.

New listings near 3783 Payne Lake Road