Coastal Vibes Luxury Group

Country

3783 Payne Lake Road

Chipley , FL 32428

MLS#: 779897

$500,000

Status: Active
Listing number: 779897
Listing provided by: Hilltop Legacy Realty
Listing agent phone: None
Last update: 17 hours ago
On site: 3 months ago
Browse Properties
Payne Lakes Phase 1 - Residential

Property

Beds

5

Full Baths

4

1/2 Baths

None

Year Built

1986

Sq.Footage

N/A

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.

Features & Amenities

Interior

  • Total Bedrooms

    5

  • Bathrooms

    4

  • Cooling YN

    YES

  • Cooling

    Central Air, Ceiling Fan(s)

  • Heating YN

    YES

  • Heating

    Central, Electric

  • Pet friendly

    N/A

Exterior

  • Garage

    Yes

  • Garage spaces

    3

  • Construction Materials

    Metal Siding

  • Parking

    Additional Parking, Garage, Garage Door Opener

  • Patio and Porch Features

    Deck

  • Pool

    No

  • Waterfront YN

    YES

  • View

    Lake

Area & Lot

  • Lot Features

    Waterfront

  • Lot Size(acres)

    1.45

  • Property Type

    Residential

  • Architectural Style

    Country

Price

  • Sales Price

    $500,000

  • Tax Amount

    816.0

  • Zoning

    Resid Single Family

  • Sq. Footage

    N/A

  • Price/SqFt

    N/A

HOA

  • Association

    No

School District

  • Elementary School

    Vernon Elementary

  • Middle School

    Vernon

  • High School

    Vernon

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Location

County

Washington

Elementary School

Vernon Elementary

Middle School

Vernon

High School

Vernon

Listing Courtesy of Christopher Moseley , Hilltop Legacy Realty

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Agent Cara Garcia

Sales Associate

Cara Garcia

Call Cara today to schedule a private showing.

(850) 775-8774

cara@realhub365.com


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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. &#10024; 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.

3783 Payne Lake Road

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