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For sale
    • Price cut: $11K (9/14)
    $389,000

    3783 Payne Lake Rd, Chipley, FL 32428

    5beds
    3,100sqft
    : 
    $2,640/mo
    Get pre-qualified
    Single Family Residence
    Built in 1986
    0.84 Acres Lot
    $380,700 Zestimate®
    $125/sqft
    $-- HOA

    What's special

    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.
    43 days
    1,175
    81

    Zillow last checked:

    Listing updated:

    Listed by:

    Nathan Lawrence 850-783-2302,

    Legacy Premier Agency,

    Kurt Fadden 321-890-5364,

    Legacy Premier Agency

    Source: CPAR,MLS#: 793626MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 5
      • Bathrooms: 4
      • Full bathrooms: 4
      Rooms
      • Room types: Bedroom, Living Room, Primary Bathroom
      Bedroom
      • Level: Second
      • Dimensions: 13.2 x 12.1
      Bedroom
      • Level: Second
      • Dimensions: 10.9 x 12.8
      Bedroom
      • Level: First
      • Dimensions: 12.3 x 12.1
      Primary bathroom
      • Level: Third
      • Dimensions: 16.6 x 15.5
      Living room
      • Level: Second
      • Dimensions: 19.11 x 15.5
      Heating
      • Central, Electric
      Cooling
      • Central Air, Ceiling Fan(s)
      Appliances
      • Included: Electric Oven, Electric Range, Electric Water Heater
      Features
      • Interior Steps, Shower Only
      Interior area
      • Total structure area: 3,100
      • Total interior livable area: 3,100 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage
      • Garage spaces: 2
      Features
      • Patio & porch: Deck, Enclosed, Patio
      • Exterior features: Deck, Patio
      • Fencing: Chain Link
      • On waterfront: Yes
      • Waterfront features: Lake, Lake Front
      • Frontage length: 100
      Lot
      • Size: 0.84 Acres
      • Dimensions: 165 x 460 x 412
      Details
      • Additional structures: Second Garage, Other
      • Parcel number: 000000000033220003
      • Zoning description: Resid Single Family

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Craftsman
      • Property subtype: Single Family Residence
      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
      HOA
      • Has HOA: No
      Location
      • Region: Chipley

      Financial & listing details

      • Price per square foot: $125/sqft
      • Tax assessed value: $225,072
      • Annual tax amount: $879
      • Date on market: 8/5/2026
      • Cumulative days on market: 333 days
      • Electric utility on property: Yes
      • Road surface type: Dirt

        Estimated market value

        $380,700

        $362,000 - $400,000

        $3,678/mo

        Price history

        DateEventPrice
        9/14/2026Price change$389,000-2.8%$125/sqft
        Source: CPAR #793626 Report a problem
        9/1/2026Price change$400,000-2.2%$129/sqft
        Source: ECAOR #1009273 Report a problem
        8/17/2026Price change$409,000-4.7%$132/sqft
        Source: ECAOR #1009273 Report a problem
        8/5/2026Listed for sale$429,000-4.7%$138/sqft
        Source: CPAR #793626 Report a problem
        7/20/2026Listing removed$450,000$145/sqft
        Source: CPAR #789905 Report a problem
        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$880 +7.8%$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.
        See how much you could borrow to make a competitive offer.
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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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