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$450,000 Just Listed

  • For Sale
  • Active
  • Single Family
  • 5 Beds
  • 4 Full Baths
  • Updated 21 hours ago

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Open House: 4:00 PM - 6:00 PM

Friday 5/22 4:00 PM - 6:00 PM

3783 Payne Lake Road,Chipley, FL 32428

3783 Payne Lake RoadChipleyFL32428

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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 expansion, this property offers the freedom to truly enjoy lake life. All this while being less than an hour from Panama City and the beaches. If you've been searching for privacy, views, and a laid-back waterfront lifestyle, this Payne Lake retreat delivers.

Full Property Details for 3783 Payne Lake Rd

General

  • Price: $450,000
  • Taxes: $880 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 789905
  • Updated: 5/15/2026
  • Added to Site: 1 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: Block, Metal Siding, Concrete
  • Stories/Levels: 2
  • 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: $880
  • Tax Year: 2025

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

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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
Washington Virtual Franchise
753 West Boulevard, Chipley, FL 32428
6-1216.6 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
Washington Virtual Instruction Program
652 3rd Street, Chipley, FL 32428
K-1217.2 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions 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
5/15/2026
Listed
$450,000
650%
MLS
5/02/2005
Sold
$60,000
—
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
$454
17%
$40,217
18%
2024
$387
13%
$34,217
21%
2023
$343
14%
$28,217
22%
2022
$301
11%
$23,217
21%
2021
$271
-4%
$19,194
—
2019
$283
-2%
$19,194
1%
2018
$290
-2%
$18,935
1%
2017
$297
-2%
$18,683
—
2016
$303
83%
$18,683
87%
2015
$166
-10%
$10,000
-9%
2014
$184
-7%
$11,000
-8%
2013
$198
—
$12,000
—
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

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*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

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Listed by Hilltop Legacy Realty

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3783 Payne Lake Road, Chipley, FL 32428 (MLS# 789905) is a Single Family property with 5 bedrooms and 4 full bathrooms. 3783 Payne Lake Road is currently listed for $450,000 and was received on May 15, 2026. 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.

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