3783 Payne Lake Rd Chipley, FL 32428
Estimated payment $2,587/month
Highlights
- Lake Front
- Country Style Home
- Den
- Deck
- No HOA
- Living Room
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 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.
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $816
Year Built
- Built in 1986
Lot Details
- 1.45 Acre Lot
- Lot Dimensions are 175x470x406
- Lake Front
- Property fronts a private road
- Dirt Road
Parking
- 3 Car Garage
- Garage Door Opener
- Additional Parking
Home Design
- Country Style Home
- Slab Foundation
- Metal Siding
Interior Spaces
- Ceiling Fan
- Living Room
- Den
- Lake Views
- Electric Range
Bedrooms and Bathrooms
- 5 Bedrooms
- 4 Full Bathrooms
Outdoor Features
- Deck
Schools
- Vernon Elementary School
- Vernon Middle School
- Vernon High School
Utilities
- Central Heating and Cooling System
- Electric Water Heater
Community Details
- No Home Owners Association
- Payne Lakes Phase 1 Subdivision
Map
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $880 | $104,336 | -- | -- |
| 2024 | $816 | $101,396 | -- | -- |
| 2023 | $789 | $98,443 | $0 | $0 |
| 2022 | $758 | $95,576 | $0 | $0 |
| 2021 | $744 | $92,792 | $0 | $0 |
| 2020 | $733 | $91,511 | $0 | $0 |
| 2019 | $732 | $89,454 | $0 | $0 |
| 2018 | $735 | $87,786 | $10,000 | $77,786 |
| 2017 | $760 | $87,297 | $10,000 | $77,297 |
| 2016 | $752 | $85,622 | $0 | $0 |
| 2015 | $762 | $85,027 | $0 | $0 |
| 2014 | -- | $86,027 | $0 | $0 |
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 01/30/2026 01/30/26 | Price Changed | $489,000 | -2.2% | $158 / Sq Ft |
| 11/21/2025 11/21/25 | Price Changed | $500,000 | -5.7% | $161 / Sq Ft |
| 10/24/2025 10/24/25 | Price Changed | $530,000 | -1.9% | $171 / Sq Ft |
| 10/03/2025 10/03/25 | For Sale | $540,000 | -- | $174 / Sq Ft |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $100 | None Listed On Document | |
| Deed | $100 | None Listed On Document |
Source: Central Panhandle Association of REALTORS®
MLS Number: 779897
APN: 00000000-00-3322-0003
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IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS.
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Ask me questions while you tour the home.