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For sale
    • $450,000

    3783 Payne Lake Rd, Chipley, FL 32428

    5beds
    3,100sqft
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    Single Family Residence
    Built in 1986
    1.45 Acres Lot
    $431,800 Zestimate®
    $145/sqft
    $-- HOA

    What's special

    Lakefront livingOpen-concept layoutFilled with natural lightSpacious kitchen
    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.
    65 days
    |
    1,165
    |
    115
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Christopher Moseley 850-541-6427,

    Hilltop Legacy Realty

    Source: CPAR,MLS#: 789905MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 5
      • Bathrooms: 4
      • Full bathrooms: 4
      Rooms
      • Room types: Bedroom, Den, Kitchen, Living Room, Primary Bedroom
      Primary bedroom
      • Level: Third
      • Dimensions: 10 x 13
      Bedroom
      • Level: Second
      • Dimensions: 13 x 13
      Bedroom
      • Level: Second
      • Dimensions: 15 x 12
      Den
      • Level: First
      • Dimensions: 19 x 16
      Kitchen
      • Level: Second
      • Dimensions: 10 x 10
      Living room
      • Level: Second
      • Dimensions: 13 x 11
      Heating
      • Central, Electric
      Cooling
      • Central Air, Ceiling Fan(s)
      Appliances
      • Included: Electric Range, Electric Water Heater
      Features
      • Interior Steps, Walk-In Closet(s)
      Interior area
      • Total structure area: 3,100
      • Total interior livable area: 3,100 sqft

      Property

      Parking
      • Total spaces: 3
      • Parking features: Additional Parking, Garage, Garage Door Opener
      • Garage spaces: 3
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Deck
      • Exterior features: Deck
      • Fencing: Chain Link
      • Has view: Yes
      • View description: Lake
      • Has water view: Yes
      • Water view: Lake
      • Waterfront features: Lake, Lake Front
      • Frontage length: 100
      Lot
      • Size: 1.45 Acres
      • Dimensions: 175 x 470 x 406
      Details
      • Additional structures: Second Garage, Guest House
      • Parcel number: 000000000033220003
      • Zoning description: Resid Single Family
      • Special conditions: Listed As-Is

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Country
      • Property subtype: Single Family Residence
      Materials
      • Block, Metal Siding, Concrete
      • Foundation: Slab
      Condition
      • New construction: No
      • Year built: 1986

      Utilities & green energy

      • Utilities for property: Electricity Available

      Community & HOA

      Community
      • Features: Short Term Rental Allowed
      • Subdivision: Payne Lakes Phase 1
      HOA
      • Has HOA: No
      Location
      • Region: Chipley

      Financial & listing details

      • Price per square foot: $145/sqft
      • Tax assessed value: $225,072
      • Annual tax amount: $880
      • Date on market: 6/17/2026
      • Cumulative days on market: 289 days
      • Electric utility on property: Yes
      • Road surface type: Dirt, Maintained

        Estimated market value

        $431,800

        $410,000 - $453,000

        $3,073/mo

        Price history

        DateEventPrice
        6/17/2026Listed for sale$450,000$145/sqft
        Source: CPAR #789905 Report a problem
        6/3/2026Pending sale$450,000$145/sqft
        Source: CPAR #789905 Report a problem
        4/17/2026Price change$450,000-7.2%$145/sqft
        Source: CPAR #779897 Report a problem
        3/31/2026Price change$485,000-0.8%$156/sqft
        Source: CPAR #779897 Report a problem
        1/30/2026Price change$489,000-2.2%$158/sqft
        Source: CPAR #779897 Report a problem
        11/21/2025Price change$500,000-5.7%$161/sqft
        Source: CPAR #779897 Report a problem
        10/24/2025Price change$530,000-1.9%$171/sqft
        Source: CPAR #779897 Report a problem
        10/3/2025Listed for sale$540,000$174/sqft
        Source: CPAR #779897 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025-- $104,336 +2.9%
        2024$816 +3.3%$101,396 +3%
        2023$789 +4.2%$98,443 +3%
        2022$758 +1.8%$95,576 +3%
        2021$744 +1.6%$92,792 +1.4%
        2020$733 +0%$91,511 +2.3%
        2019$732 -0.4%$89,454 +1.9%
        2018$735 -3.3%$87,786 +0.6%
        2017$760 $87,297 +2%
        2016$760 -0.2%$85,622 +0.7%
        2015$762 $85,027 -1.2%
        2014-- $86,027 -4.1%
        2013-- $89,718 -3.6%
        2012-- $93,064 -5.8%
        2011-- $98,745 -3.3%
        2010-- $102,113 -1.3%
        2009-- $103,492 -1.2%
        2008-- $104,766 +3%
        2007-- $101,715 +24.9%
        2005-- $81,434 +2.6%
        2004-- $79,392 +1.3%
        2003-- $78,372 +0.7%
        2002-- $77,850 +0.9%
        2001-- $77,175 +2.7%
        2000-- $75,126
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 32428

        Getting around

        0 / 100
        Car-Dependent
        8 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Vernon Elementary
        • Middle: Vernon
        • High: Vernon

        Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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