3783 Payne Lake RD Chipley, FL 32428
5 Beds
4 Baths
3,100 SqFt
UPDATED:
Key Details
Property Type Single Family Home
Sub Type Single Family Residence
Listing Status Active
Purchase Type For Sale
Square Footage 3,100 sqft
Price per Sqft $161
Subdivision Payne Lakes Phase 1
MLS Listing ID 779897
Style Country
Bedrooms 5
Full Baths 4
HOA Y/N No
Year Built 1986
Annual Tax Amount $816
Tax Year 2024
Lot Size 1.450 Acres
Acres 1.45
Property Sub-Type Single Family Residence
Property Description
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
Location
State FL
County Washington
Community Short Term Rental Allowed
Area 10 - Washington County
Interior
Interior Features Interior Steps
Heating Central, Electric
Cooling Central Air, Ceiling Fan(s)
Fireplace No
Appliance Electric Range, Electric Water Heater
Exterior
Exterior Feature Deck
Parking Features Additional Parking, Garage, Garage Door Opener
Garage Spaces 3.0
Garage Description 3.0
Fence Chain Link
Community Features Short Term Rental Allowed
Utilities Available Electricity Available
Waterfront Description Lake,Lake Front
View Y/N Yes
Water Access Desc Lake,Lake Front
View Lake
Porch Deck
Building
Architectural Style Country
Additional Building Second Garage, Guest House
New Construction No
Schools
Elementary Schools Vernon Elementary
Middle Schools Vernon
High Schools Vernon
Others
Tax ID 00000000-00-3322-0003
Special Listing Condition Listed As-Is