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3783 Payne Lake Road, Chipley, FL 32428 Active 1 / 67
$409,000

3783 Payne Lake Road, Chipley, FL 32428

Chipley, FL 32428
  • 5 Beds
  • 4 Baths
  • 3,100 Sq Ft
  • 1986 Built
  • MLS 793626

About this home

Lakеfront lіvіng οn beаutiful Ρayne Lake. Situated on 1.45 prіvate aсres 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.

Property details

Property typeSingleFamilyResidence
StatusActive
Area10 - Washington County
SubdivisionPayne Lakes
CityChipley
CountyWashington
Zip32428
StyleCraftsman
Taxes$880
Tax year2025
WaterfrontYes

Interior

Total rooms5
Full baths4
AppliancesElectricOven,ElectricRange,ElectricWaterHeater
CoolingCentralAir,CeilingFans
HeatingCentral,Electric
Interior featuresInteriorSteps,ShowerOnly

Exterior & lot

Lot size0.84 acres
Lot dimensions165 x 460 x 412
GarageYes
Other structuresSecond Garage, Other
Exterior featuresDeck, Patio

Schools

ElementaryVernon Elementary
MiddleVernon
HighVernon

Community

Community featuresShort Term Rental Allowed
DirectionsHeading 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

Data source: Central Panhandle Association of REALTORS®

Location

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