3783 Payne Lake Road, Chipley, FL 32428

Chipley
Local realty services provided by:Better Homes and Gardens Real Estate Emerald Coast
3783 Payne Lake Road,Chipley, FL 32428
$389,000
  • 5 Beds
  • 4 Baths
  • 3,100 sq. ft.
  • Single family
  • Active
Listed by: nathan r lawrence, kurt j fadden
Office: legacy premier agency llc.
MLS#:1009273
Source:FL_ECAR

Price summary

  • Price:$389,000
  • Price per sq. ft.:$125.48

About this home

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...

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Home facts

  • Year built:1986
  • Subdivision & Development:Payne Lakes
  • Listing ID #:1009273
  • Added:49 day(s) ago
  • Updated:September 24, 2026 at 03:13 PM

Rooms and interior

  • Bedrooms:5
  • Total bathrooms:4
  • Full bathrooms:4
  • Rooms Total:7
  • Kitchen Description:Dishwasher, Microwave, Refrigerator, Stove/Oven Electric
  • Living area:3,100 sq. ft.

Heating and cooling

  • Central air:Yes

Structure and exterior

  • Year built:1986
  • Building area:3,100 sq. ft.
  • Architectural Style:Craftsman Style

Schools

  • High school:Not Available
  • Middle school:Not Available
  • Elementary school:Not Available

Finances and disclosures

  • Price:$389,000
  • Price per sq. ft.:$125.48

Features and amenities

  • Appliances:Dishwasher, Microwave, Refrigerator, Stove/Oven Electric
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