Price Reduction - Waterfront
Address
3783 Payne Lake Road, Chipley, FL
Price
$ 389,000
Property Attributes
- MLS#1009273
- TypeSingle Family
- Listing Status Active
- CountyWashington
- CityChipley
- AreaOther Counties
- NeighborhoodPayne Lakes
- Zip32428
- StyleCraftsman Style
- Year Built1986
- Price$ 389,000
- Bedrooms5
- Full Bathrooms4
- Half Bathrooms0
- Sqr Footage3100
Data Source:
Emerald Coast MLS (ECAR)
Property Description
Lakefront living on beautiful Payne Lake. Situated on 1.45 private acres just outside Chipley, this waterfront property offers privacy and peaceful country living with Panama City, the Gulf Coast, and Tyndall Air Force Base all within an easy drive. The open floor plan is filled with natural light and features expansive windows overlooking the lake. The spacious kitchen connects to the living and dining areas, making it ideal for everyday living and entertaining. Outside, a large deck shaded by mature oak trees provides the perfect place to enjoy the view, whether you're having morning coffee or watching the sunset. Spend your days fishing, kayaking, paddleboarding, or enjoying the wildlife right from your backyard. A separate efficiency mother-in-law suite with its own private entrance, kitchenette, and full bath offers flexibility for guests, multi-generational living, or rental income. Also, could be perfect for a shop and man cave or she shed. With no HOA and plenty of room for boats, RVs, hobbies, gardens, or future expansion, this property offers the space and freedom to enjoy lakefront living.
| Elementary School | Middle School | High School |
|---|---|---|
| Not Available Elementary School | Not Available Middle School | Not Available High School |
| Price History | |
|---|---|
| 8/5/2026 | Listed $429,000 |
| 8/17/2026 | 5$409,000 |
| 9/1/2026 | 2$400,000 |
| 9/14/2026 | 3$389,000 |
General Features
| Utilities | Electric |
|---|---|
| Zoning | Resid Single Family |
| Property Subtype | Detached Single Family |
| County | Washington |
| Property Type | Residential |
| Subdivision Name | Payne Lakes |
| Status | Active |
| Buyer Financing | Conventional,FHA,VA |
| Directions | Heading east from Freeport, take FL-20 E, Turn left onto FL-77 N, Keep Right, Continue onto FL-77 N, Turn left onto State Hwy 279/Moss Hill Rd, Continue to follow Moss Hill Rd, Turn right onto Payne Lake Rd, Destination will be on the left |
| High School | Not Available |
| City | Chipley |
| MLS Area | 30 - Other Counties |
| Lot Size Units | Acres |
| Elementary School | Not Available |
| Middle/Junior High School | Not Available |
| MLS Area Minor | 3005 - Washington County |
| Standard Status | Active |
| Sewer | Septic Tank |
| Waterfront Features | Lake |
| Heating | Central |
| Cooling | Central Air |
| Patio/Porch Features | Deck Open,Patio Enclosed |
| Architectural Style | Craftsman Style |
| Year Built | 1986 |
| Stories Count | 3 |
| New Construction | false |
| Attached Garage | true |
| Total Rooms | 7 |
| Carport Y/N | false |
| Property Condition | Construction Complete |
Interior Features
| Total Baths | 4 |
|---|---|
| Interior Amenities | Ceiling Beamed,Ceiling Vaulted,Fireplace |
| Flooring | Floor Tile,Floor Vinyl |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Window Features | Window Treatment All |
Exterior Features
| Lot Features | Within 1/2 Mile to Water |
|---|---|
| Lot Dimensions | 165 x 460 x 412 |
| Waterfront Y/N | true |
| Fencing | Fenced Chain Link |
| Building Area Total | 3100 |
| Parking Features | Garage Detached |
| Water Source | Well |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 32428
Price
Year Built
Emerald Coast Association of REALTORS®, Inc. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers
