3783 Payne Lake Road, Chipley, FL 32428

• 5 beds |
• 4 baths |
• 3,100 sqft

Property Description

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 bath offers flexibility for guests, multi-generational living, or rental income. • Room to Roam - Enjoy privacy, space for gardens, hobbies, boats, or future expansion—no HOA restrictions. Lake Life at Your Doorstep Kayak, paddleboard, fish, or simply enjoy the abundant wildlife right from your backyard. Payne Lake is a natural playground for outdoor enthusiasts and anyone craving a slower pace. Convenient Location • Panama City - ~48 miles (under an hour) • Panama City Beach - ~53 miles (about 1 hour) • Tyndall Air Force Base - ~61 miles (easy commuter distance) Perfect For • Buyers seeking peaceful lakefront living • Multi-generational households • Military buyers commuting to Tyndall AFB • Nature lovers who still want beach days within reach This is more than a home—it's a lifestyle. Quiet mornings, lake adventures, and room to truly breathe. Schedule your private showing and experience Payne Lake living for yourself.

Listing Status:

Active

Date Added:

October 3, 2025

Data Last Updated:

April 5, 2026 at 7:18AM

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: BlockMetal SidingConcreteSlab

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