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3783 Payne Lake Road, Chipley, FL 32428

Local realty services provided by:CENTURY 21 Beggins Enterprises
3783 Payne Lake Road,Chipley, FL 32428
$489,000
  • 5 Beds
  • 4 Baths
  • 3,100 sq. ft.
  • Single family
  • Active
Listed by: christopher moseley
Office: hilltop legacy realty
MLS#:779897
Source:FL_BCMLS

Price summary

  • Price:$489,000
  • Price per sq. ft.:$157.74

About this home

Lakefront Living Meets Laid-Back Country Charm on Payne Lake Wake up to water views, towering oak trees, and the kind of peace you can't find in the city. This stunning lakefront retreat on Payne Lake sits on 1.45 private acres just outside Chipley, offering the perfect balance of quiet country living with easy access to Panama City, the Gulf Coast, and Tyndall Air Force Base. ✨ Why This Home Stands Out • Breathtaking Lake Views - Expansive windows throughout the main home flood the open floorplan with natural light and showcase serene water views. • Spacious & Inviting Interior - A modern kitchen anchors generous living and dining areas, ideal for entertaining or everyday comfort. • Outdoor Living Paradise - Step onto the large deck overlooking Payne Lake, shaded by mature oak trees—perfect for morning coffee, sunset dinners, or weekend gatherings. • Private In-Law Suite / Income Potential - A separate efficiency unit with its own entrance, kitchenette, and full

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Home facts

  • Year built:1986
  • Listing ID #:779897
  • Added:119 day(s) ago
  • Updated:January 30, 2026 at 01:12 PM

Rooms and interior

  • Bedrooms:5
  • Total bathrooms:4
  • Full bathrooms:4
  • Living area:3,100 sq. ft.

Heating and cooling

  • Cooling:CeilingFans, CentralAir
  • Heating:Central, Electric

Structure and exterior

  • Year built:1986
  • Building area:3,100 sq. ft.
  • Lot area:1.45 Acres

Schools

  • High school:Vernon
  • Middle school:Vernon
  • Elementary school:Vernon Elementary

Finances and disclosures

  • Price:$489,000
  • Price per sq. ft.:$157.74
  • Tax amount:$816 (2024)
The information being provided by Central Panhandle Association Of REALTORS® is for the consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumer may be interested in purchasing. Any information relating to real estate for sale referenced on this web site comes from the Internet Data Exchange (IDX) program of the Central Panhandle Association Of REALTORS®. CENTURY 21 Beggins Enterprises is not a Multiple Listing Service (MLS), nor does it offer MLS access. This website is a service of CENTURY 21 Beggins Enterprises, a broker participant of Central Panhandle Association Of REALTORS®. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. The accuracy of all information, regardless of source, including but not limited to open house information, square footages and lot sizes, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. The data contained herein is copyrighted by Central Panhandle Association Of REALTORS® and is protected by all applicable copyright laws. Any unauthorized dissemination of this information is in violation of copyright laws and is strictly prohibited. Properties in listings may have been sold or may no longer be available. Copyright 2026 Central Panhandle Association Of REALTORS®. All rights reserved.

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