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
$429,000
  • 5 Beds
  • 4 Baths
  • 3,100 sq. ft.
  • Single family
  • Active
Listed by: nathan lawrence, kurt fadden
Office: legacy premier agency
MLS#:793626
Source:FL_BCMLS

Price summary

  • Price:$429,000
  • Price per sq. ft.:$138.39

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...

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
  • Subdivision & Development:Payne Lakes
  • Listing ID #:793626
  • Added:1 day(s) ago
  • Updated:August 06, 2026 at 09:50 PM

Rooms and interior

  • Bedrooms:5
  • Total bathrooms:4
  • Full bathrooms:4
  • Rooms Total:5
  • Kitchen Description:Electric Oven, 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:0.84 Acres
  • Architectural Style:Craftsman
  • Exterior Features:Deck, Patio

Schools

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

Finances and disclosures

  • Price:$429,000
  • Price per sq. ft.:$138.39
  • Tax amount:$880 (2025)

Features and amenities

  • Amenities:ElectricOven, ElectricRange, ElectricWaterHeater

Parking

  • Garage:Yes
  • Garage spaces:2
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