3783 Payne Lake Road, Chipley, FL 32428

• 5 beds |
• 4 baths |
• 3,100 sqft

Property Description

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

Listing Status:

Active

Date Added:

October 3, 2025 at 05:00AM

Listing Office:

Hilltop Legacy Realty : 850-774-3442

MLS ID:

779897

Interior

• General: Interior Steps
• Appliances: Electric RangeElectric Water Heater
• A/C: Central AirCeiling Fan(s)
• Heating: CentralElectric

Exterior

• General: DeckSecond GarageGuest House
• Style: Country
• Other Structures: Second GarageGuest HouseDeck
• Parking: Additional ParkingGarageGarage Door Opener

Construction

• General: Metal Siding

Location

• Road/Access: Private Road
• Originating MLS: CPAR_CPAR
• County: Washington

Lot

• Zoning: 20 2 14 ORB 585 P 181 LOT 4 PAYNE LAKES REC PLAT BLK A00000000-00-3322-0003
• View: LakeView
• Fencing: Chain Link

Utilities

• Utilities: Electricity Available

Financial

• Source: CPAR_CPAR

This listing courtesy of Hilltop Legacy Realty