3783 Payne Lake Road

Chipley, FL 32428

Under Contract - Taking Backups the phrase 'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. 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.

Listing courtesy of Christopher Moseley of Hilltop Legacy Realty



Listing information is provided by Participants of the Central Panhandle Association of REALTORS MLS. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Copyright 2026, Central Panhandle Association of REALTORS MLS.
Last checked: 2026-06-16 03:19 PM UTC