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3783 Payne Lake Road, Chipley, FL 32428

$409,000
  • 3783 Payne Lake Road, Chipley, FL 32428 Main Photo

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Active Price Reduced by $20,000 on August 17th, 2026
BEDS5 BATHS4 full SQUARE FEET3,100 MLS#1009273
STATUSActive PROPERTY TYPEResidential - Single Family SUBDIVISIONPayne Lakes NEIGHBORHOOD30 - Other Counties

Property Description

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 boats, RVs, hobbies, gardens, or future expansion, this property offers the space and freedom to enjoy lakefront living.

3783 Payne Lake Road | MLS# 1009273

This single family home located at 3783 Payne Lake Road, Chipley, FL 32428 is currently listed for sale with an asking price of $409,000. This property was built in 1986 and has 5 bedrooms and 4 full baths with 3100 sq. ft. Payne Lake Road is located in the Payne Lakes subdivision. Search Payne Lakes real estate on www.clhomes.com today.

Property Features

Property Type: Residential - Single Family
Cooling: Central Air
Fenced: Yes
Heating: Central
Home Style: Craftsman Style
Lot Size: 165 x 460 x 412
Stories: 3.0
Year Built: 1986

Feature Descriptions

Appliances: Dishwasher, Microwave, Refrigerator, Stove/Oven Electric
Days on Site: 13
Fencing: Fenced Chain Link
Financing Terms: Conventional, FHA, VA
Flooring: Floor Tile, Floor Vinyl
Interior: Ceiling Beamed, Ceiling Vaulted, Fireplace
Lot: Within 1/2 Mile to Water
Lot Dimensions: 165 x 460 x 412
Parcel Number: 00000000-00-3322-0003
Parking: Garage Detached
Patio/Porch: Deck Open, Patio Enclosed
Property Condition: Construction Complete
Rooms Total: 7
Sewer: Septic Tank
Sub Type: Detached Single Family
Utilities: Electric
Water: Well
Waterfront: Lake
Window: Window Treatment All

Local Schools

High School: Not Available
Middle School: Not Available
Elementary School: Not Available

Listed By / Shown By

Listed By

Agency Name: Legacy Premier Agency LLC

Shown By

Agency Title: Crye-Leike Real Estate Services
Agency Phone: 866-253-4666

IDX logo

Source: Emerald Coast MLS

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Estimated Payment

$ 1,029.55 per month $910.26 Principal & Interest $0.00 Property Tax (data not provided by mls) $119.29 Homeowner's Insurance

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