Recently Viewed Properties
See This Home
Save This Listing
Close

View All Photos

$500,000

  • For Sale
  • Active
  • Single Family
  • 5 Beds
  • 4 Full Baths
See This Home
Save This Home
See This Home
Save This Home
Stunning Lakefront Oasis on Payne Lake - Quiet Country Living with Gulf Access Discover this tranquil lakefront retreat just outside Chipley, a spacious, well-appointed home on 1.45 acres with direct Payne Lake frontage, blending peaceful country charm with easy access to the Gulf Coast and Tyndall Air Force Base. Property Highlights: Generous, open floorplan: Large windows throughout the main house capture breathtaking lake views and flood the interior with natural light. You'll find a modern kitchen, expansive living and dining spaces, several bedrooms, and full bathrooms. Outdoor living at its finest: A big deck framed by mature oak trees overlooks Payne Lake - the perfect place to sip morning coffee, entertain friends, or simply absorb the serenity. Flexible in-law suite: A separate efficiency unit with its own kitchenette, bathroom, and private entrance. Ideal for guests, extended family, or rental income. Peaceful, private setting: Located on a quiet, maintained road - offering privacy, room to roam, and space for gardens, hobbies, or future additions. Recreation on the lake: Kayak, paddleboard, fish, or observe wildlife right from your backyard. Payne Lake is a natural playground. Location & Commute: Panama City Beach: Approximately 53 miles (about 1 hour 5 minutes) away from Chipley. Tyndall Air Force Base: Roughly 61 miles (about 98 km) by road from Chipley. Panama City: Around 48 miles (about 57 minutes' drive) from Chipley. This makes the property especially appealing for those who want rural, lakeside peace without being isolated - whether you're commuting to Tyndall AFB, working in Panama City, or heading to the beach on the weekends. Why You'll Love It: Ideal for multi-generational living - the in-law suite adds flexibility & value A nature lover's dream - bring your kayaks, fish, or just unwind by the water Military friendly - within comfortable commuting distance to Tyndall AFB Beach access - Gulf Coast adventures are just a drive away No HOA - more freedom to make this home you

Full Property Details for 3783 Payne Lake Rd

General

  • Price: $500,000
  • Taxes: $816 (2024)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 779897
  • Updated: 12/1/2025
  • Added to Site: 106 day(s) ago

Interior

  • Number of Rooms: 6
  • Interior Features: Interior Steps
  • Appliances: Electric Range, Electric Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 4
  • Full Bathrooms: 4

Bedrooms

  • Total Bedrooms: 5

Exterior

  • Exterior Features: Deck
  • Porch/Patio/Deck: Deck

Parking

  • Garage: Yes
  • Garage Spaces: 3
  • Parking Features: Additional Parking, Garage, Garage Door Opener

Location

  • County: Washington
  • Subdivision: Payne Lakes Phase 1
  • Driving Directions: North on 77 to Hwy 279 (Moss Hill Rd) at Greenhead go approximately 3 miles to Payne Lake Estates, Turn right on Payne Lake Road and home will be first one on left.

School Information

  • Elementary School: Vernon Elementary
  • Middle School: Vernon
  • High School: Vernon

Community

  • Community Name: 10 - Washington County

Heating & Cooling

  • Central air: Yes
  • Air Conditioning: Yes
  • Cooling Type: Central Air, Ceiling Fan(s)
  • Heating Type: Central, Electric

Utilities

  • Utility Description: Electricity Available

Structural Information

  • Architectural Style: Country
  • Construction: Metal Siding
  • Sq. Ft. Source: Owner
  • Year Built: 1986

Additional Structures

  • Other Structures: Second Garage, Guest House

Lot Features

  • Property View: Lake
  • Lot Size (Acres): 1.45
  • Lot Size (Sq. Ft.): 63,162
  • Lot Size: 1.45
  • Lot Dimensions: 175 x 470 x 406
  • Frontage: Private Road, Dirt, Maintained
  • Zoning: Resid Single Family
  • Fencing (Description): Chain Link

Water Features

  • Water Front: Yes
  • Water View: Yes
  • Water Front Desc.: Lake, Lake Front
  • Water Front View: Lake, Lake Front
  • Lake Front: Yes

Financial Considerations

  • Tax Amount: $816
  • Tax Year: 2024

Disclosures and Reports

  • Special Conditions: Listed As-Is
  • Legal Description: 20 2 14 ORB 585 P 181 LOT 4 PAYNE LAKES REC PLAT BLK A
  • Property ID: 00000000-00-3322-0003

Listed by Hilltop Legacy Realty

Quickly Find Out More

* Indicates a required field

Yes, I would like more information. Please use and/or share my information with a Coldwell Banker ® 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 an Coldwell Banker 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 (BHGRE®, CENTURY 21®, Corcoran®, ERA®, or Sotheby’s International Realty®). I acknowledge that I have read and agree to the Terms of Use and Privacy Notice.

We Value Your Privacy

Listing agent

— 3783 Payne Lake Rd —

  • Hilltop Legacy Realty

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 3783 Payne Lake Rd

School District:Washington County School District, Vernon, FL
NameGradesDistance
Vernon Elementary School, Vernon, FL
3665 Roche Avenue, Vernon, FL 32462
PK-45.3 mi
Kate M. Smith Elementary School
1447 South Boulevard, Chipley, FL 32428
PK-416.3 mi
Vernon Middle School
3190 Moss Hill Road, Vernon, FL 32462
5-84.1 mi
Roulhac Middle School
1535 Brickyard Road, Chipley, FL 32428
5-815.7 mi
Vernon High School
3232 Moss Hill Road, Vernon, FL 32462
9-123.9 mi
Chipley High School
1545 Brickyard Road, Chipley, FL 32428
9-1215.7 mi
Disclaimer: School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 3783 Payne Lake Rd Get Price Alerts and Save Property

Date
Details
Price
Change
Source
11/21/2025
Price Reduced
$500,000
-5.66%
MLS
10/24/2025
Price Reduced
$530,000
-1.85%
MLS
10/03/2025
Listed
$540,000
129.79%
MLS
5/04/2005
Sold
$235,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 3783 Payne Lake Rd

Year
Property Taxes
Change
Tax Assessment
Change
2025
$880
8%
$104,336
3%
2024
$816
3%
$101,396
3%
2023
$789
6%
$98,443
6%
2021
$744
-2%
$92,792
-3%
2022
$758
2%
$95,576
4%
2021
$744
2%
$91,511
2%
2019
$732
—
$89,454
2%
2018
$735
-3%
$87,786
1%
2017
$760
1%
$87,297
2%
2016
$752
-1%
$85,622
1%
2015
$762
-3%
$85,027
-1%
2014
$787
-7%
$86,027
-4%
2013
$844
—
$89,718
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Estimate the Cost for 3783 Payne Lake Rd

$
Down Payment
%
$
%

$
$

*These costs are estimates, and the interest rates assume exceptional credit standing.

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Listed by Hilltop Legacy Realty

Similar Properties near 3783 Payne Lake Rd

This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.

1416 Houston Rd, Chipley, FL 32428 - Photo 1
$495,900

1416 Houston Rd  Chipley, FL 32428

  • Single Family
  • Active
  • Updated 10 days ago
  • 4
    Beds
  • 4
    Total Baths
1962 Mud Hill Rd, Chipley, FL 32428 - Photo 1
$495,000

1962 Mud Hill Rd  Chipley, FL 32428

  • Single Family
  • Active
  • 4
    Beds
  • 2
    Total Baths
3320 Moss Rd, Bonifay, FL 32425 - Photo 1
$499,000

3320 Moss Rd  Bonifay, FL 32425

  • Single Family
  • Active
  • Updated 10 days ago
  • 3
    Beds
  • 3
    Total Baths
1208 Alex Brown Rd, Bonifay, FL 32425 - Photo 1 Just Listed
$499,000

1208 Alex Brown Rd  Bonifay, FL 32425

  • Single Family
  • Active
  • Updated 6 days ago
  • 4
    Beds
  • 2
    Total Baths

Just Listed near 3783 Payne Lake Rd

This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.

307 E Pennsylvania Ave E, Bonifay, FL 32425 - Photo 1 Just Listed
$204,000

307 E Pennsylvania Ave E  Bonifay, FL 32425

  • Single Family
  • Active
  • Updated 1 day ago
  • 4
    Beds
  • 2
    Total Baths
  • 1,960
    Sq. Ft.
Listed by Jeannette LaPrade (605) 415-0537
1966 Country Club Dr, Bonifay, FL 32425 - Photo 1 Just Listed
$649,900

1966 Country Club Dr  Bonifay, FL 32425

  • Single Family
  • Active
  • Updated 2 days ago
  • 3
    Beds
  • 3
    Total Baths
2614 Springhill Rd, Bonifay, FL 32425 - Photo 1 Just Listed
$825,000

2614 Springhill Rd  Bonifay, FL 32425

  • Commercial Residential Facility
  • Active
1474 Gavin Rd, Bonifay, FL 32425 - Photo 1 Just Listed
$64,999

1474 Gavin Rd  Bonifay, FL 32425

  • Vacant Land
  • Active
  • Updated 16 hours ago
  • 5.16
    Acres

Price Reduced near 3783 Payne Lake Rd

This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.

Lot 157 Possum Trott, Bonifay, FL 32425 - Photo 1 Price Reduced
-$3,000 (-40%)
$4,500

Lot 157 Possum Trott  Bonifay, FL 32425

  • Vacant Land
  • Active
  • Updated 3 days ago
  • 0.22
    Acres
Co-Listed by Jeremy McVay (850) 974-4681
1555 Hwy 177A, Bonifay, FL 32425 - Photo 1 Price Reduced
-$2,500 (-11.9%)
$18,500

1555 Hwy 177A  Bonifay, FL 32425

  • Vacant Land
  • Active
  • Updated 4 days ago
  • 0.5
    Acres
1800 Clifford St, Bonifay, FL 32425 - Photo 1 Price Reduced
-$1,900 (-6.35%)
$28,000

1800 Clifford St  Bonifay, FL 32425

  • Vacant Land
  • Active
  • Updated 1 day ago
  • 1.91
    Acres
2308 Cattle Dr, Bonifay, FL 32425 - Photo 1 Price Reduced
-$10,000 (-6.67%)
$139,900

2308 Cattle Dr  Bonifay, FL 32425

  • Mobile Home
  • Active
  • Updated 6 days ago
  • 3
    Beds
  • 2
    Total Baths

Recent Sales near 3783 Payne Lake Rd

This is a carousel with tiles that activate property listing cards. Use the previous and next buttons to navigate.

2840 Paradise Lakes Rd, Chipley, FL 32428 - Photo 1 Sold
$460,000

2840 Paradise Lakes Rd  Chipley, FL 32428

  • Single Family
  • Closed
  • 3
    Beds
  • 2
    Total Baths
4076 Pentas Wy, Chipley, FL 32428 - Photo 1 Sold
$455,000

4076 Pentas Wy  Chipley, FL 32428

  • Single Family
  • Closed
  • Updated 10 days ago
  • 3
    Beds
  • 2
    Total Baths
2049 Ambassador Ct, Chipley, FL 32428 - Photo 1 Sold
$480,000

2049 Ambassador Ct  Chipley, FL 32428

  • Single Family
  • Closed
  • 5
    Beds
  • 5
    Total Baths
3899 Country Club Blvd, Chipley, FL 32428 - Photo 1 Sold
$452,000

3899 Country Club Blvd  Chipley, FL 32428

  • Single Family
  • Closed
  • 3
    Beds
  • 2
    Total Baths

3783 Payne Lake Road, Chipley, FL 32428 (MLS# 779897) is a Single Family property with 5 bedrooms and 4 full bathrooms. 3783 Payne Lake Road is currently listed for $500,000 and was received on October 03, 2025. Want to learn more about 3783 Payne Lake Road? Do you have questions about finding other Single Family real estate for sale in Chipley? You can browse all Chipley real estate or contact a Coldwell Banker agent to request more information.

Tour this property