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3783 Payne Lake Road, 
Chipley, FL 32428

$450,000

5

Beds

4

Baths

3,100

Sq Ft

Single Family

Active

Listed by

Christopher Moseley

Hilltop Legacy Realty

Last updated:

July 16, 2026, 02:28 PM

MLS#

789905

Source:

FL BCMLS

About This Home

3783 Payne Lake Road

Back on market at no fault of seller. 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 Facts

Single Family

4 Baths

5 Bedrooms

Built in 1986

Price Summary

450,000

$145 per Sq. Ft.

MLS #:

789905

Last Updated:

July 16, 2026, 02:28 PM

Added:

2 month(s) ago

Rooms & Interior

Bedrooms

Total Bedrooms:

5

Bathrooms

Total Bathrooms:

4

Full Bathrooms:

4

Interior

Living Area:

3,100 Sq. Ft.

Structure

Structure

Architectural Style:

Country

Building Area:

3,100 Sq. Ft.

Year Built:

1986

Lot

Lot Size (Sq. Ft):

63,162

Finances & Disclosures

Finances

Price:

$450,000

Price per Sq. Ft:

$145 per Sq. Ft.

Source:FL BCMLS
The information being provided by Central Panhandle Association Of REALTORS® is for the consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumer may be interested in purchasing. Any information relating to real estate for sale referenced on this web site comes from the Internet Data Exchange (IDX) program of the Central Panhandle Association Of REALTORS®. Hilltop Legacy Realty is not a Multiple Listing Service (MLS), nor does it offer MLS access. This website is a service of Hilltop Legacy Realty, a broker participant of Central Panhandle Association Of REALTORS®. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. The accuracy of all information, regardless of source, including but not limited to open house information, square footages and lot sizes, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. The data contained herein is copyrighted by Central Panhandle Association Of REALTORS® and is protected by all applicable copyright laws. Any unauthorized dissemination of this information is in violation of copyright laws and is strictly prohibited. Properties in listings may have been sold or may no longer be available. Copyright 2026 Central Panhandle Association Of REALTORS®. All rights reserved.

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Contact an Agent

Yes, I would like more information. Please use and/or share my information with a Coldwell Banker ® affiliated agent to contact me about my real estate needs. By clicking Contact, I request to be contacted by phone or text message and consent to being contacted by automated means. I understand that my consent to receive calls or texts is not a condition of purchasing any property, goods, or services. Alternatively, I understand that I can access real estate services by email or I can contact the agent myself.

If a Coldwell Banker affiliated agent is not available in the area where I need assistance, I agree to be contacted by a real estate agent affiliated with another brand owned or licensed by Anywhere Real Estate (BHGRE®, CENTURY 21®, Corcoran®, ERA®, or Sotheby's International Realty®). I acknowledge that I have read and agree to the terms of use and privacy notice.