OFF MARKET

Off Market Jul 2024 for $429K

$483,629

Est. refi paymentEst. refi $3,703/mo

•

2,720

sq ft

3539 Payne Lake Rd, Chipley, FL 32428

About this home

Welcome to lakefront living! This captivating 4-bedroom, 3-bathroom log cabin, complete with a loft space, offers a rustic yet luxurious retreat. Featured with beautiful pine interior walls and a vaulted ceiling, almost every room provides panoramic views of the tranquil lake. Step outside onto the expansive covered deck that spans the entire backside of the house, offering the perfect spot to relax and take in the views. The bottom floor features a roughed-in kitchen, living area, utility room, bedroom, and bathroom, providing versatility for guests or as a cozy in-law suite. Recently painted exterior, HVAC replacement 4 years ago, well pump and water filtration system 3 years ago ensure this home has been efficiently maintained. Situated on .74 acres, this property also includes Welcome to lakefront living! This captivating 4-bedroom, 3-bathroom log cabin, complete with a loft space, offers a rustic yet luxurious retreat. Featured with beautiful pine interior walls and a vaulted ceiling, almost every room provides panoramic views of the tranquil lake. Step outside onto the expansive covered deck that spans the entire backside of the house, offering the perfect spot to relax and take in the views. The bottom floor features a roughed-in kitchen, living area, utility room, bedroom, and bathroom, providing versatility for guests or as a cozy in-law suite. Recently painted exterior, HVAC replacement 4 years ago, well pump and water filtration system 3 years ago ensure this home has been efficiently maintained. Situated on .74 acres, this property also includes an additional 1.77 acres directly in front, offering endless possibilities for outdoor activities and enjoyment. Don't let this lakeside retreat slip away! Schedule your showing today

Single-familyProperty Type

2007Year Built

2.51 acresLot Size

$178Est. Price/Sq.Ft.

1 garage spacesParking

Listed by Coastal Heritage Realty Jones • Coastal Heritage Real Estate LLC

Bought with Non Member Agent (NABOR) • Non Member Office (NABOR)

Redfin checked: a minute ago

•Source:ECAR #943138

Redfin Estimate

$483,629

$54K since sold in July 2024$8,000 since August

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 4% lower than the average sale price ($504K) of 6 comparable homes.

SOLD AUG 20, 2026
$675,000
A
4 beds2 baths2,304 sq ft
4447 Terzino Ln, Chipley, FL 32428
SOLD AUG 31, 2026
$585,000
B
4 beds3 baths1,941 sq ft
2474 Tiller Cemetery Dr, Chipley, FL 32428
SOLD APR 20, 2026
$595,000
C
3 beds2.5 baths1,931 sq ft
3012 Paradise Lakes Rd, Chipley, FL 32428
SOLD AUG 28, 2026
$322,000
D
4 beds2.5 baths2,180 sq ft
4526 Leisure Lakes Dr, Chipley, FL 32428
SOLD JUN 9, 2026
$370,000
E
3 beds3 baths2,124 sq ft
4427 Leisure Lakes Dr, Chipley, FL 32428
SOLD APR 20, 2026
$475,000
F
4 beds3 baths2,294 sq ft
3399 Quail Ridge Dr, Chipley, FL 32428

Claim this home to receive a free report every month with insights on the changing estimate.

Earn from this home

Refinance

Est. cash available

Get cash now or lower your monthly rate

Rent

$3,480/mo

Redfin rental estimate

List your home for rent

Market trends in 32428, FL

Last updated August 2026

Buyer's Market

Seller's Market

Balanced market

Sale-to-List Price

97.7%

+0.1% MoM

Median sale price

$240K

$7K MoM

Avg. days on market

79d

2 days MoM

Recently sold homes

9 MoM

New listings for sale

NEW 6 HRS AGO
$215,000
3 beds3 baths2,280 sq ft
3325 Eagle Ct, Chipley, FL 32428
NEW 1 DAY AGO
$299,900
3 beds2 baths2,133 sq ft
1309 South Blvd, Chipley, FL 32428
$194,900
3 beds2 baths1,528 sq ft
955 Pocket Ln, Chipley, FL 32428
$134,000
2 beds1 bath843 sq ft
3989 Dunford Cir, Chipley, FL 32428
$509,000
3 beds1.5 baths2,072 sq ft
594 Green Bay Rd, Chipley, FL 32428
$299,995
4 beds2 baths1,826 sq ft
1192 Florence Ct, Chipley, FL 32428
See all

Provided by Redfin

Sale history for 3539 Payne Lake Rd

Date

Event

Price

CPARMLS #753307

Jul 19, 2024

Sold

$429,900

$158/sq ft

Feb 23, 2024

Listed

$429,000

$158/sq ft

+32

CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS. Welcome to lakefront living! This captivating 4-bedroom, 3-bathroom log cabin, complete with a loft space, offers a rustic yet luxurious retreat. Featured with beautiful pine interior walls and a vaulted ceiling, almost every room provides panoramic views of the tranquil lake. Step outside onto the expansive covered deck that spans the entire backside of the house, offering the perfect spot to relax and take in the views. The bottom floor features a roughed-in kitchen, living area, utility room, bedroom, and bathroom, providing versatility for guests or as a cozy in-law suite. Recently painted exterior, HVAC replacement 4 years ago, well pump and water filtration system 3 years ago ensure this home has been efficiently maintained. Situated on . 74 acres, this property also includes an additional 1.77 acres directly in front, offering endless possibilities for outdoor activities and enjoyment. Don't let this lakeside retreat slip away! Schedule your showing today

ECAR #943138

Jul 19, 2024

Sold

$429,900

$158/sq ft

Mar 4, 2024

Relisted

—

Feb 23, 2024

Listed

$429,000

$158/sq ft

CPARMLS #382132

Dec 14, 2021

Listing Removed

—

May 7, 2008

Listed

$289,500

$106/sq ft

CPARMLS #376331

Dec 14, 2021

Listing Removed

—

Dec 26, 2007

Listed

$339,000

$125/sq ft

Public Records

Jul 12, 2018

Sold

$236,600

$87/sq ft

CPARMLS #670892

Jul 11, 2018

Sold

$236,550

$87/sq ft

Apr 21, 2018

Listed

$255,000

$94/sq ft

CPARMLS #616571

Jan 24, 2014

Sold

$147,000

$54/sq ft

Jan 24, 2014

Listed

$147,000

$54/sq ft

Public Records

Nov 15, 2006

Sold

$57,000

$21/sq ft

Public Records

Dec 29, 2003

Sold

$30,000

$11/sq ft

Public Records

Jun 1, 1997

Sold

$13,500

$5/sq ft

Tax history for 3539 Payne Lake Rd

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Beds

Baths

Stories

—

Lot width

—

Lot depth

—

Lot size

0.74 Acres

Year renovated

2013

Sq. Ft.

2,720

Year built

2007

Style

Single Family Residential

County

Washington County

APN

000000000033220004

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jul 9, 2026.

Property details

Parking

Parking Information
No
Has Garage
Parking Features: Garage, Garage Attached
Garage Spaces: 1.00
Driveway Spaces: 4.00

Interior

Bedroom Information
Bedrooms: 4
Bedroom: Basement, First
Master Bedroom: First

Bathroom Information
Full Baths: 3
Total Baths: 3.00
Master Bedroom/Master Bath: MBath Double Vanity, MBath Separate Shwr, MBath Tile, MBed Balcony, MBed Carpeted, MBed Walk-in Closet, MBed Waterfront

Room Information
Rooms: Bedroom, Kitchen, Loft, Master Bedroom
Kitchen: First

Room 1
Master Bedroom
Area: 216.56
Dimensions: 15.75 x 13.75
Length: 15.75
Width: 13.75
Level: 1

Room 2
Loft
Area: 65.88
Dimensions: 8.5 x 7.75
Length: 8.50
Width: 7.75
Level: 3

Room 3
Bedroom
Area: 112.50
Dimensions: 11.25 x 10
Length: 11.25
Width: 10.00
Level: 1

Room 4
Bedroom
Area: 121.13
Dimensions: 12.75 x 9.5
Length: 12.75
Width: 9.50
Level: 1

Room 5
Bedroom
Area: 155.25
Dimensions: 13.5 x 11.5
Length: 13.50
Width: 11.50
Level: 0

Room 6
Kitchen
Area: 144.50
Dimensions: 17 x 8.5
Length: 17.00
Width: 8.50
Level: 1

Interior Features
Appliances: Dishwasher, Disposal, Refrigerator, Stove/Oven Electric
Interior: Breakfast Bar, Ceiling Vaulted, Fireplace Gas, Floor Laminate, Floor WW Carpet, Lighting Recessed, Woodwork Stained

Exterior

Exterior Features
Pool Type: None
Exterior: Balcony, Deck Covered, Fenced Lot-Part, Porch Screened

Lot Information
Acreage: 2.51
Lot Dimensions: Irregular
Waterfront: Lake
Waterfront Feet: 90
Lot/Parcel Access: Dirt/Clay Road, Private Road
Zoning: Residential Single Family

Building Information
Construction Status: Construction Complete
Construction/Siding: Block, Concrete, Roof Composite Shngl, Siding Wood, Trim Wood

Financial

Tax Information
Last Tax Year: 2023
Last Taxes: 2982.00

Financial Information
Mortgage Type: VA
Financing: Conventional, FHA, VA
Brokerage Interest: No Interest

Utilities

Utility Information
Utilities: Electric, Gas - Propane, Private Well
Energy: AC - Central Elect, Water Heater - Elect

Location

School Information
Elementary School: Not Available
Middle School: Not Available
High School: Not Available

Location Information
Sub Area: 3005 - Washington County
Area: 30 - Other Counties
Street #: 3539
Street Name: Payne Lake
Street Suffix: Road
City: Chipley
County: Washington
State: FL
Zip Code: 32428
Project Name/Subdivision: Payne Lakes
Absolute Longitude: 85.666366
Longitude: -85.666366
Latitude: 30.556349
Directions: North on Hwy 77. Left at light in Greenhead onto Hwy 279 (Moss Hill Rd). After a few miles, there will be a sign on the right for the Payne Lake community. Turn right and stay to the right at the fork in the road. House on the left. Look for the sign. The land with the home is directly across the road.

Public facts

Beds: 4
Baths: 3.0
Sq. Ft.: 2,720
Stories: —
Lot Size: 0.74 acres
Style: Single Family Residential
Year Built: 2007
Year Renovated: 2013
County: Washington County
APN: 000000000033220004

Home facts updated by county records on Jul 9, 2026

Other

Listing Price Information
List Price: 429000.00
List Price/SqFt: 157.72

Property Information
Apx SqFt(Htd/Cooled): 2720.00
Design: Log Cabin
Sub-Type: Detached Single Family
Waterview: Lake

Listing Information
As Is

Around this home

Schools

Vernon Elementary School

Public PreK-5 • Assigned • 5.4mi

4/10

Vernon Middle School

Public 6-8 • Assigned • 4.1mi

5/10

Vernon High School

Public 9-12 • Assigned • 4.0mi

3/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

4/10 Fire Factor

2% chance of being in a wildfire in next 30 years

9/10 Heat Factor

7 days above 106° expected this year, 20 days in 30 years

9/10 Wind Factor

99% chance of strong winds in next 30 years

2/10 Air Factor

0 unhealthy days expected this year, 1 days in 30 years

Provided by First Street

Historical weather

Chipley, FL • 32428

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9.5 hours in June and 5.5 hours in December, placing it above the U.S. average for solar exposure.

9.5 hrs

5.5 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$460,000 – $557,000

Sell confidently with a local market expert in Chipley. 3 minutes to get started.

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Listing provided by Zillow

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New listings for sale in 32428

NEW 6 HRS AGO

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3 beds3 baths2,280 sq ft

3325 Eagle Ct, Chipley, FL 32428

NEW 1 DAY AGO

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3 beds2 baths2,133 sq ft

1309 South Blvd, Chipley, FL 32428

$194,900

3 beds2 baths1,528 sq ft

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$134,000

2 beds1 bath843 sq ft

3989 Dunford Cir, Chipley, FL 32428

$509,000

3 beds1.5 baths2,072 sq ft

594 Green Bay Rd, Chipley, FL 32428

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4 beds2 baths1,826 sq ft

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Home values near 3539 Payne Lake Rd

Data from public records.

Address	Redfin Estimate
3549 Payne Lake Road, Chipley, FL 2 Beds \| 2 Baths \| 910 Sq. Ft.	$225,512
3671 Payne Lake Road, Chipley, FL 2 Beds \| 2 Baths \| 840 Sq. Ft.	$208,947

Address	Redfin Estimate
3545 Payne Lake Road, Chipley, FL 2 Beds \| 2 Baths \| 1761 Sq. Ft.	$400,332

Address	Redfin Estimate
3783 Payne Lake Road, Chipley, FL 5 Beds \| 4 Baths \| 3100 Sq. Ft.	—

Property information provided by ECAR when last listed in 2024. This data may not match . Learn more.

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About this home

Redfin Estimate

Earn from this home

Market trends in 32428, FL

Sale history for 3539 Payne Lake Rd

Tax history for 3539 Payne Lake Rd

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 32428

Home values near 3539 Payne Lake Rd

More real estate resources