Recently Viewed Properties
See This Home
Save This Listing
Close

View All Photos

$429,000 Just Listed

  • For Sale
  • Active
  • Single Family
  • 5 Beds
  • 4 Full Baths
  • Updated 3 days ago
See This Home
Save This Home
See This Home
Save 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 boats, RVs, hobbies, gardens, or future expansion, this property offers the space and freedom to enjoy lakefront living.

Full Property Details for 3783 Payne Lake Rd

General

  • Price: $429,000
  • Taxes: $879 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Bay_County
  • MLS ID: 793626
  • Updated: 8/5/2026
  • Added to Site: 4 day(s) ago

Interior

  • Number of Rooms: 5
  • Interior Features: Interior Steps, Shower Only
  • Appliances: Electric Oven, Electric Range, Electric Water Heater

Rooms

Bathrooms

  • Total Bathrooms: 4
  • Full Bathrooms: 4

Bedrooms

  • Total Bedrooms: 5

Exterior

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

Parking

  • Garage: Yes
  • Garage Spaces: 2

Location

  • County: Washington
  • Subdivision: Payne Lakes
  • Driving Directions: Heading N on FL-77 from Panama City, pass FL-20, Turn left onto State Hwy 279/Moss Hill Rd, Continue to follow Moss Hill Rd, Turn right onto Payne Lake Rd, The Destination will be on the 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: Craftsman
  • Sq. Ft. Source: Owner
  • Year Built: 1986

Additional Structures

  • Other Structures: Second Garage, Other

Lot Features

  • Lot Size (Acres): 0.84
  • Lot Size (Sq. Ft.): 36,503
  • Lot Size: .84
  • Lot Dimensions: 165 x 460 x 412
  • Zoning: Resid Single Family
  • Fencing (Description): Chain Link

Water Features

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

Financial Considerations

  • Tax Amount: $879.68
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: 20 2 14 ORB 585 P 181 LOT 4 PAYNE LAKES REC PLAT BLK A, (ELE ORB 1297 P 194)
  • Property ID: 00000000-00-3322-0003

Listed by Legacy Premier Agency

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 agents

— 3783 Payne Lake Rd —

  • Legacy Premier Agency

  • Legacy Premier Agency

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
8/05/2026
Listed
$429,000
82.55%
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 Legacy Premier Agency

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.

2883 Paradise Lakes Rd, Chipley, FL 32428 - Photo 1
$429,000

2883 Paradise Lakes Rd  Chipley, FL 32428

  • Single Family
  • Active
  • 3
    Beds
  • 2
    Total Baths
3836A Belmar Pl, Chipley, FL 32428 - Photo 1
$436,000

3836A Belmar Pl  Chipley, FL 32428

  • Single Family
  • Active
  • Updated 13 days ago
  • 3
    Beds
  • 3
    Total Baths
3980 Quail Ct, Chipley, FL 32428 - Photo 1
$420,000

3980 Quail Ct  Chipley, FL 32428

  • Single Family
  • Active
  • Updated 10 days ago
  • 3
    Beds
  • 3
    Total Baths
1453 Hwy 277, Chipley, FL 32428 - Photo 1
$439,000

1453 Hwy 277  Chipley, FL 32428

  • Single Family
  • Active
  • 3
    Beds
  • 3
    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.

111 E Wisconsin Ave, Bonifay, FL 32425 - Photo 1 Just Listed
$210,000

111 E Wisconsin Ave  Bonifay, FL 32425

  • Single Family
  • Active
  • Updated 5 days ago
  • 3
    Beds
  • 2
    Total Baths
2635 Springhill Rd, Bonifay, FL 32425 - Photo 1 Just Listed
$187,500

2635 Springhill Rd  Bonifay, FL 32425

  • Mobile Home
  • Active
  • Updated 5 days ago
  • 4
    Beds
  • 2
    Total Baths
1549 Hwy 177A, Bonifay, FL 32425 - Photo 1 Just Listed
$225,000

1549 Hwy 177A  Bonifay, FL 32425

  • Single Family
  • Active
  • Updated 1 day ago
  • 2
    Beds
  • 2
    Total Baths
00 Marian Dr, Bonifay, FL 32425 - Photo 1 Just Listed
$25,000

00 Marian Dr  Bonifay, FL 32425

  • Land Residential
  • Active
  • Updated 1 day ago
  • 0.34
    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 4 Dogwood Lakes Estates, Bonifay, FL 32425 - Photo 1 Price Reduced
-$9,900 (-10.43%)
$85,000

Lot 4 Dogwood Lakes Estates  Bonifay, FL 32425

  • Residential Lots
  • Active
  • Updated 1 day ago
  • 0.44
    Acres
109 Industrial Dr, Bonifay, FL 32425 - Photo 1 Price Reduced
-$80,000 (-5.33%)
$1,420,000

109 Industrial Dr  Bonifay, FL 32425

  • Industrial
  • Active
711 N Oklahoma St, Bonifay, FL 32425 - Photo 1 Price Reduced
-$10,000 (-5.92%)
$159,000

711 N Oklahoma St  Bonifay, FL 32425

  • Single Family
  • Active
  • Updated 5 days ago
  • 3
    Beds
  • 2
    Total Baths
2357 Bonifay Gritney Rd, Bonifay, FL 32425 - Photo 1 Price Reduced
-$3,000 (-3.9%)
$73,999

2357 Bonifay Gritney Rd  Bonifay, FL 32425

  • Lots/Land
  • Active
  • Updated 3 days ago
  • 15.09
    Acres
Listed by New Alliance Group Realty

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.

3781 Pine Log Rd, Chipley, FL 32428 - Photo 1 Sold
$415,000

3781 Pine Log Rd  Chipley, FL 32428

  • Single Family
  • Closed
  • 2
    Beds
  • 2
    Total Baths
5192 Pine Ridge Dr, Chipley, FL 32428 - Photo 1 Sold
$452,900

5192 Pine Ridge Dr  Chipley, FL 32428

  • Single Family
  • Closed
  • 3
    Beds
  • 2
    Total Baths
4427 Leisure Lakes Dr, Chipley, FL 32428 - Photo 1 Sold
$370,000

4427 Leisure Lakes Dr  Chipley, FL 32428

  • Single Family
  • Closed
  • 3
    Beds
  • 3
    Total Baths
3612 Roche Ave, Vernon, FL 32462 - Photo 1 Sold
$395,000

3612 Roche Ave  Vernon, FL 32462

  • Vacant Land
  • Closed
  • 33
    Acres

3783 Payne Lake Road, Chipley, FL 32428 (MLS# 793626) is a Single Family property with 5 bedrooms and 4 full bathrooms. 3783 Payne Lake Road is currently listed for $429,000 and was received on August 05, 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.

Tour this property