CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Experience the allure of this one-of-a-kind 2-bedroom, 2-bathroom waterfront log cabin on Payne Lake in Washington County, Florida. With approximately 200' of waterfront property, and nestled on 2.9 acres across two lots, this charming home offers over 1,700 square feet of heated and cooled living space, in a rustic log cabin setting. The home also includes a spacious third-floor bonus room, perfect for an office, playroom, or potential third bedroom, which boasts two log cabin-style low-profile ceiling fans with lighting. The generous kitchen and dining area provide an inviting space for gatherings, and was updated in 2022 with new refrigerator, Kitchen sink and faucet. Both bathrooms received log vanities in recent years with custom sinks, including a matching log mirror in the Master Bathroom. Throughout the home, Luxury Vinyl Plank covers the floors, adding the look of wood floors yet with the resilience of LVP, and at the same time adding to the appeal of the log cabin. Relax in the cozy Living Room, taking in the gorgeous view from the two large 8' sliding patio doors that overlook Payne Lake, or unwind on the shaded back deck. This home has been updated in recent years to include a new roof (2019), new skylights, and new A/C System (2021). The exterior of the cabin is immaculate and leads down to the lake to enjoy the fire pit, sit/fish off one of the two docks, or just soak up some sun. Bistro lights lining the trees over the fire pit area, make for a great entertaining space for friends and family. Kayak or canoe early mornings or evenings on Payne Lake for exercise or to chunk a lure or two; this home has so much to offer. Truly a rare gem in the Panhandle of Florida, your very own waterfront log cabin awaits you. This cabin is an amazing primary residence or a perfect getaway, located just a short drive from Northwest Florida Beaches International Airport and the stunning beaches of Panama City Beach, Florida. Call to schedule your showing today!
Sold for $395,000 on 09/11/24
$395,000
3545 Payne Lake Rd, Chipley, FL 32428
2beds
1,761sqft
Single Family Residence
Built in 2005
2.9 Acres Lot
$378,300 Zestimate®
$224/sqft
$1,835 Estimated rent
Owner options
What's special
Zillow last checked: 8 hours ago
Listing updated: December 02, 2025 at 12:38am
Listed by:
Michael F Tadlock 850-768-0445,
Elite Realty,
Cindy R Birge 850-258-9442,
Elite Realty
Bought with:
Sarah K Steverson, 3237348
CENTURY 21 Commander Realty
Source: CPAR,MLS#: 760333
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Level: Second
- Dimensions: 13 x 11
Bedroom
- Level: First
- Dimensions: 10 x 10
Primary bathroom
- Level: Second
- Dimensions: 11 x 9
Bonus room
- Level: Third
- Dimensions: 14 x 14
Dining room
- Level: Second
- Dimensions: 11 x 10
Other
- Level: First
- Dimensions: 10 x 5
Kitchen
- Level: Second
- Dimensions: 11 x 10
Living room
- Level: First
- Dimensions: 14 x 12
Utility room
- Level: First
- Dimensions: 10 x 9
Heating
- Electric, Fireplace(s)
Cooling
- Central Air
Appliances
- Included: Electric Cooktop, Electric Oven, Electric Water Heater
Features
- Utility Room
- Flooring: Luxury Vinyl Plank
- Has fireplace: Yes
- Fireplace features: Electric
Interior area
- Total structure area: 1,761
- Total interior livable area: 1,761 sqft
Property
Features
- Patio & porch: Deck
- Exterior features: Deck, Dock, Fire Pit
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- Waterfront features: Lake, Lake Front
Lot
- Size: 2.90 Acres
- Dimensions: 100 x 400
Details
- Additional structures: Outbuilding, Other
- Parcel number: 000000000033220352
- Zoning description: Resid Single Family
- Special conditions: Listed As-Is
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Log Home
- Property subtype: Single Family Residence
Materials
- Roof: Shake
Condition
- New construction: No
- Year built: 2005
Utilities & green energy
- Utilities for property: Electricity Available
Community & neighborhood
Security
- Security features: Security System, Smoke Detector(s)
Location
- Region: Chipley
- Subdivision: Payne Lakes Phase Two
Other
Other facts
- Road surface type: Dirt
Sell for more on Zillow
Get a Zillow Showcase℠ listing at no additional cost and you could sell for .
$378,300
2% more+$7,566
With Zillow Showcase(estimated)$385,866