3783 Payne Lake Rd Chipley, FL 32428
Estimated payment $2,509/month
Highlights
- Lake Front
- Country Style Home
- Den
- Deck
- No HOA
- Living Room
About This Home
Lakefront living with room to breathe on beautiful Payne Lake! Situated on 1.45 private acres just outside Chipley, this property offers peaceful country living with easy access to Panama City, the Gulf Coast, and Tyndall Air Force Base.
Inside, the open-concept layout is filled with natural light and showcases stunning lake views through expansive windows. The spacious kitchen flows seamlessly into the living and dining areas, creating the perfect setup for entertaining or relaxing after a day on the water.
Step outside to a large deck shaded by mature oak trees overlooking the lake--ideal for morning coffee, sunset dinners, and weekend gatherings. Enjoy kayaking, fishing, paddleboarding, and abundant wildlife right from your backyard.
A separate efficiency suite with private entrance, kitchenette, and full bath adds incredible flexibility for guests, multi-generational living, or potential rental income. With no HOA and plenty of space for boats, hobbies, gardens, or future expansion, this property offers the freedom to truly enjoy lake life.
All this while being less than an hour from Panama City and the beaches. If you've been searching for privacy, views, and a laid-back waterfront lifestyle, this Payne Lake retreat delivers.
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $880
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
- 2-Story Property
- 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 |
|---|---|---|---|---|
| 05/15/2026 05/15/26 | For Sale | $450,000 | -- | $145 / Sq Ft |
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| 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: 789905
APN: 00000000-00-3322-0003
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
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.