Find Your Emerald Coast Home Live the Gulf Life!

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: a month 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

Stunning Lakefront Oasis on Payne Lake — Quiet Country Living with Gulf Access Discover this tranquil lakefront retreat just outside Chipley, a spacious, well-appointed home on 1.45 acres with direct Payne Lake frontage, blending peaceful country charm with easy access to the Gulf Coast and Tyndall Air Force Base. Property Highlights: Generous, open floorplan: Large windows throughout the main house capture breathtaking lake views and flood the interior with natural light. You'll find a modern kitchen, expansive living and dining spaces, several bedrooms, and full bathrooms. Outdoor living at its finest: A big deck framed by mature oak trees overlooks Payne Lake — the perfect place to sip morning coffee, entertain friends, or simply absorb the serenity. Flexible in-law suite: A separate efficiency unit with its own kitchenette, bathroom, and private entrance. Ideal for guests, extended family, or rental income. Peaceful, private setting: Located on a quiet, maintained road — offering privacy, room to roam, and space for gardens, hobbies, or future additions. Recreation on the lake: Kayak, paddleboard, fish, or observe wildlife right from your backyard. Payne Lake is a natural playground. Location & Commute: Panama City Beach: Approximately 53 miles (about 1 hour 5 minutes) away from Chipley. Tyndall Air Force Base: Roughly 61 miles (about 98 km) by road from Chipley. Panama City: Around 48 miles (about 57 minutes' drive) from Chipley. This makes the property especially appealing for those who want rural, lakeside peace without being isolated — whether you're commuting to Tyndall AFB, working in Panama City, or heading to the beach on the weekends. Why You'll Love It: Ideal for multi-generational living — the in-law suite adds flexibility & value A nature lover's dream — bring your kayaks, fish, or just unwind by the water Military friendly — within comfortable commuting distance to Tyndall AFB Beach access — Gulf Coast adventures are just a drive away No HOA — more freedom to make this home you

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

Schedule a Showing

Showing scheduled successfully.

<
>
IN PERSON
VIA CHAT

What is 3 + 4 ?


Change time

Mortgage calculator

Estimate your monthly mortgage payment, including the principal and interest, property taxes, and HOA. Adjust the values to generate a more accurate rate.

Your payment

Principal and Interest:

$

Property taxes:

$

HOA fees:

$

Total loan payment:

$

Total interest amount:

$

Location

County

Washington

Elementary School

Vernon Elementary

Middle School

Vernon

High School

Vernon

Listing Courtesy of Christopher Moseley , Hilltop Legacy Realty

RealHub Information is provided exclusively for consumers' personal, non-commercial use, and it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. RealHub website owner shall not be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

Agent Opey Russ

Broker

Opey Russ

Call Opey today to schedule a private showing.

(850) 699-1996

Opey@GulfLifeGo.com


* Listings on this website come from the FMLS IDX Compilation and may be held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work please click here to review our DMCA policy and learn how to submit a takedown request.© 2024 FMLS.
Stunning Lakefront Oasis on Payne Lake — Quiet Country Living with Gulf Access Discover this tranquil lakefront retreat just outside Chipley, a spacious, well-appointed home on 1.45 acres with direct Payne Lake frontage, blending peaceful country charm with easy access to the Gulf Coast and Tyndall Air Force Base. Property Highlights: Generous, open floorplan: Large windows throughout the main house capture breathtaking lake views and flood the interior with natural light. You'll find a modern kitchen, expansive living and dining spaces, several bedrooms, and full bathrooms. Outdoor living at its finest: A big deck framed by mature oak trees overlooks Payne Lake — the perfect place to sip morning coffee, entertain friends, or simply absorb the serenity. Flexible in-law suite: A separate efficiency unit with its own kitchenette, bathroom, and private entrance. Ideal for guests, extended family, or rental income. Peaceful, private setting: Located on a quiet, maintained road — offering privacy, room to roam, and space for gardens, hobbies, or future additions. Recreation on the lake: Kayak, paddleboard, fish, or observe wildlife right from your backyard. Payne Lake is a natural playground. Location & Commute: Panama City Beach: Approximately 53 miles (about 1 hour 5 minutes) away from Chipley. Tyndall Air Force Base: Roughly 61 miles (about 98 km) by road from Chipley. Panama City: Around 48 miles (about 57 minutes' drive) from Chipley. This makes the property especially appealing for those who want rural, lakeside peace without being isolated — whether you're commuting to Tyndall AFB, working in Panama City, or heading to the beach on the weekends. Why You'll Love It: Ideal for multi-generational living — the in-law suite adds flexibility & value A nature lover's dream — bring your kayaks, fish, or just unwind by the water Military friendly — within comfortable commuting distance to Tyndall AFB Beach access — Gulf Coast adventures are just a drive away No HOA — more freedom to make this home you

3783 Payne Lake Road

Message successfully sent.

What would you like to know?

What is 3 + 4 ?

Related Properties

Oasis in the 'Hills! This property has everything you could ever need and is priced below recent appraisal. The over 2,300sf primary home features 4 large bedrooms, 2 baths with an amazing Primary area that has an office, man cave, and an over-sized Primary bathroom with a 6ftx6ft 8 head shower! Newer roof, 5 ton HVAC, 2 21 seer mini splits, 2x6 framing, stainless steel appliances, fully wired stereo system, ADT security system, and whole house generator. Off the main house are a 14x42 covered porch & 24x16 deck. Escape the summer heat in the fully automated in ground pool with a sun shelf! The pool is heated with a separate hot tub for chilly night swimming as well. Have guests? The pool house has a complete kitchen, living area, and full bath. The 2 story dog kennel is completely finished, plumbed, heated & cooled. Perfect if you need to convert for another residence on the property. Auto enthusiasts will love the monstrous, fully insulated, 5 bay shop! This is complete with a tire machine, 9,000lb lift, and 10 ton HVAC. Beside this shop is a 24x36 shop that is insulated and has a HVAC as well. There are 2 50amp RV hook-ups, producing fruit trees, 2 electric entrance gates, and so much more. This property has everything! Located only 45 minutes from Panama City. All measurements are approximate, verify if important.
#775618

Chipley

490 Quail Hollow Boulevard

4 Beds

2 Baths

2,304 Sq.Ft.

$440,000

MLS#: 775618

Situated in the tranquil Pine Bluff community, this stunning, well-built home on a picturesque, beautifully landscaped lot offers 4 bedrooms and 3.5 baths and blends comfort with elegance. The massive 4,384 sq ft of living space with a split floor plan makes it perfect for entertaining friends and family. The fully equipped kitchen is a true delight, including a standalone island/bar overlooking the large family room with a fireplace, allowing you to socialize while doing daily routines. Other features include a formal living room, dining room, breakfast area and bonus room. As evening falls, relax to the soothing sounds of nature on the large, elevated front porch, enclosed rear screened porch or on the large open patio - there is no better way to unwind. The incredible master suite has a sitting area as well as a separate entrance to the screened porch to enjoy your morning coffee. There are two walk-in closets, a double sink vanity, soaking tub, and an enormous tiled shower in the master bath. Two additional bedrooms, one and a half baths and the huge bonus room (with laundry, half-bath and the upstairs entrance to the elevator) round out the top floor. The 1st floor boasts an 868 sq ft mother-in-law suite with a private entrance, kitchen, bathroom, living room, and bedroom. The 1,118 sq ft 3-car garage and huge 1,200 sq ft detached barn allow for plenty of parking for primary vehicles and recreational vehicles of all types and still leave plenty of room for storage. The garage entry elevator makes carrying grocery bags from the car to the kitchen a breeze. Three HVAC units and two water heaters provide creature comforts. If you are looking for a forever home, this one checks all the boxes. Quality, tranquility in a country setting, and yet just a few minutes to the heart of Chipley for shopping and amenities. Located a short distance (.04 mi) from Falling Waters State Park, and (2.2mi) from Blue Lake Park (Earl Gilbert Landing) allows for outdoor family fun. Call today to schedule your showing! All information is deemed reliable, and measurements are approximate, both should be verified by the Buyer. Security system does not convey. Furnished pictures are staged with AI and are labeled as staged.
#778564

Chipley

1310 Pine Bluff Court

4 Beds

3 Baths

4,384 Sq.Ft.

$525,000

MLS#: 778564

Welcome to the Craven House! This Frank Lloyd Wright-inspired, architect-designed, mid-century modern landmark—is one of Chipley's most recognizable historic residences. Originally built in the 1960s for Dr. James B. and Virginia Craven, this National Register property was designed to evoke a bird in flight, with bold horizontal lines, sculptural geometry, and a seamless connection to nature. Featuring 4 bedrooms, 3.5 baths and bonus room, this residence retains the charm of its original mid-century architecture, beautifully preserved throughout. Interior features include wood ceilings, stone accents, an oversized living room with wood-burning fireplace and original built-ins, dining room with a full wall of windows, and a kitchen retaining its original cabinetry and authentic mid-century layout. All 3 full bathrooms showcase original tile, wallpaper, and built-in vanities, offering an untouched period aesthetic rarely found today. Significant updates include plumbing throughout, electrical panels (3-phase), two HVAC systems (5-ton 2016, 3-ton 2017), water heaters, encapsulated crawl space, and a shingle roof installed in 2018. The exterior boasts an attached 2-car carport, massive, screened back porch, 24&#8242; saltwater pool with decking, and a solar-powered entry gate. Don't miss your rare opportunity to steward an iconic piece of mid-century architecture—livable art preserved with extraordinary care.
#781954

Chipley

912 Hwy 277

4 Beds

3 Baths

3,775 Sq.Ft.

$599,999

MLS#: 781954

Welcome to this newly renovated Southern charmer, set on 15.8+/- peaceful acres and offering the perfect blend of modern style and country living. Thoughtfully updated throughout, this home features an inviting open-concept living, dining, and kitchen area highlighted by an abundance of natural light, vinyl plank flooring and a cozy wood-burning fireplace with a shiplap accent wall. The chef-inspired kitchen boasts stainless steel appliances, granite countertops, breakfast bar, and a bright breakfast nook—ideal for casual meals and conversation. A separate formal dining room provides versatility, making an excellent office or flex space. The downstairs primary suite is a true retreat, complete with an ensuite bathroom, double sinks, makeup vanity, custom tiled shower, and an expansive walk-in closet. The main level also includes a guest bedroom, full bath, half bath, and a convenient laundry/mud room. A lovely sunroom off the back offers additional living space to relax and unwind. Upstairs, you'll find a generous bonus area along with an additional bedroom and a separate full bathroom—perfect for guests, teens, or a private workspace. Outdoors, the property shines with a large front porch spanning nearly the entire front of the home, ideal for rocking chairs and sunset views. The land features three barns, a fenced area for livestock or animals, and plenty of room for gardening, recreation, or hobbies. An attached carport adds to the home's everyday convenience. Beautifully updated and ready for its next chapter, this expansive property offers comfort, functionality, and room to roam—your private acreage retreat awaits.
#782407

Chipley

2415 Finch Circle

3 Beds

3 Baths

2,549 Sq.Ft.

$549,999

MLS#: 782407

This well kept brick home with a metal roof sits on seven peaceful acres with full Highway 277 frontage. The property includes an oversized RV storage barn with an attached workshop, a lean to on one side, and a fenced area with a small porch behind it. A carport adds more covered space for vehicles and equipment. The home features covered front and back porches, fresh paint, newer flooring, two newer central heat and air units, and a comfortable layout with the primary bedroom on the first floor. The kitchen offers plenty of cabinet storage and a bay window breakfast area. Ten minutes to downtown Chipley and 12 minutes to Falling Waters State Park. The primary suite includes a walk in closet and an ensuite bath with double sinks, a separate shower, and a soaking tub. The main level also features a living room with a fireplace, a formal dining area, an interior laundry room, and a two car garage. Upstairs you will find two additional bedrooms along with a large walk in storage room that is attached to one of the bedrooms. There is also attic space with a subfloor in place that offers an option for future expansion if more living area is needed. The property provides wide open usable land and a functional outbuilding setup for equipment, animals, or work projects. Northwest Florida Beaches International Airport is about 30 minutes away and Panama City Beach is roughly 45 minutes.
#989924

Chipley

1453 Hwy 277

3 Beds

2 Baths

2,525 Sq.Ft.

$469,500

MLS#: 989924

3012 Paradise Lakes Dr - Lakefront Custom Home on Dunford Lake Welcome to this stunning 2023 custom-built all-brick home set on nearly 2.5 acres of pristine lakefront property in the gated Paradise Lakes community. Offering 3 bedrooms plus an office, this residence blends comfort, function, and lifestyle. With over 3200 of under roof square footage, this home has all the space you will need to make all your dreams come true! Enjoy serene water views from the screened back porch overlooking spring-fed Dunford Lake, known for excellent fishing and boating. A 16x30 private dock extends your outdoor living, while Blackhole Pond, another premier fishing spot, lies just across from the home. The oversized 1,100 sq. ft. garage with attic storage provides abundant space for vehicles, hobbies, or a workshop. Designed for efficiency and peace of mind, the home is equipped with a whole-house generator, 500-gallon in-ground propane tank, on-demand hot water heater, and deep well with Culligan filtration system. Community amenities include gated access and low HOA dues of just $200/year. This property offers the rare opportunity to enjoy modern lakefront living in a tranquil, natural setting—perfect for fishing, boating, or simply unwinding by the water.
#778822

Chipley

3012 Paradise Lakes Road

3 Beds

2 Baths

1,931 Sq.Ft.

$597,500

MLS#: 778822

Discover this charming 4-bedroom, 2-bathroom brick residence nestled on a sprawling 30-acre lot, complete with a paved driveway for easy access. Inside, you'll find a generous kitchen that flows into an oversized dining room/den, perfect for gatherings. The separate living room provides a cozy retreat, and there's a fireplace that awaits your personal touch and would need to be serviced to assure its in perfect working order. The home boasts four comfortable bedrooms and two well-appointed bathrooms. The property includes a double car garage, along with a spacious utility room designed for your washer and dryer, plus a convenient mudroom area. Step outside to enjoy the expansive 30 acres, which feature multiple storage buildings, a detached oversized two car garage with upstairs storage and an array of beautiful trees, creating a picturesque setting for outdoor activities such as 4-wheeler riding, walking, hiking, and gardening just to name a few. This property sits only minutes from Hwy 77, Wausau, Panama City and close to several lakes in the county. ***** Sellers will give a $20k remodel allowance at closing with an acceptable offer***** ***** Sellers will consider selling the home with 10 acres*****
#781717

Chipley

1962 Mud Hill Road

4 Beds

2 Baths

2,297 Sq.Ft.

$495,000

MLS#: 781717

Mother-in-law suite special! This 6 bedroom, 4 bathroom house features a connected 2 bedroom suite with large living room, modern bathroom suite with granite counter tops, a tile walk-in shower, and an office for a total of approximately 1,200 square feet. A door separates the mother-in-law suite from the rest of the 2-story home that just had a major makeover that includes new windows, concrete Hardi board, new LVP in many areas, all 4 bathrooms updated, new water heater, new Square D electrical panel and breakers, new light fixtures and ceiling fans, remodeled stairs, new paint, kitchen upgrades include all new appliances, stainless deep sink and faucet, new subway tile backsplash, new butcher block counter tops, soft closing cabinet doors and handles, large pantry with shelves, and more under a metal roof. The well submersible pump was replaced in 2024. The master bathroom suite has a large step-in tub, a separate shower, and a big walk-in closet. The windows are covered with new faux wide plantation blinds. There is also a 20 by 20 concrete pad with new electric plug for a storage building in the flat back yard. It is less than a mile from Interstate 10, Super Walmart and Falling Waters State Park. It is convenient to schools, shopping, restaurants and a variety of businesses. It is less than one hour to the World's Most Beautiful Beaches in Panama City Beach and Pier Park. The 6 foot deep by 60 foot long front porch is covered and extends the length of the house. The covered back porch is almost as big, 8 by 22 and 10 by 30 with a door leading to the mother-in-law suite. This home is large enough for 2 families! The home is on a 2-acre lot but includes the adjacent vacant one-acre lot Parcel 00000000-00-2385-0034 for a total of 3 acres. View all of the photos with descriptions for more details.
#781451

Chipley

1294 Dragonfly Lane

6 Beds

4 Baths

3,024 Sq.Ft.

$524,900

MLS#: 781451

Nice country setting with this spacious 4/3.5 brick home. This beautiful home offers a kitchen with plenty of storage, island with cooktop stove, and wall oven. Open to the living area and dining area. Natural lighting through out the home. Master bedroom and master bathroom, 2nd bedroom with full bath, 2 additional bedrooms and 1.5 bathrooms. Large laundry area with space for a sink and has an attached ironing board. Newer roof, water heater. HVAC was replaced when seller purchased the home. Reverse osmosis water system. Screened in porch and open deck perfect for cooking outside. Front and back covered porches. Above ground pool with steps and deck. Fenced in back yard. Home sits back off road. Well maintained home and property. Attached carport. Additional storage area off of carport. Paved road frontage. Close to Hwy 77 for commuting and not far from Chipley shopping, medical facilities, schools and more. Approx. 45 minutes from Panama City Beach.
#769762

Chipley

1416 Houston Road

4 Beds

3 Baths

2,770 Sq.Ft.

$495,900

MLS#: 769762

- property

Send a message

Message successfully sent.

Your message

What is 3 + 4 ?

Reason for contacting?

Sign Out

Virtual Assistant

Would you like to take the next step with this property? We can help you schedule a showing or virtual tour, or send you more details.

Yes, I would like more information.

Thank You for Your Reply, One of Our Agents will contact you as soon as possible

No, maybe later.

Thank you, you can always contact me via email, phone number or through the contact form.

Realhub AI

Lucy - Your AI-Powered Realtor

Update Your Temporary Password

Personalize your search

Enter your email and we'll notify you immediately when new listings match what you're looking for.

or enter email address

Already have an account ? Login here

Continue your home search

Already have an account ? Login here

We use cookies

We use cookies primarily for analytics to enhance your experience. By accepting, you agree to our use of these cookies. You can manage your preferences or learn more about our cookies policy.

Privacy Policy Terms of Service