For sale

$70,000

Est. $438/mo —

Land

•

0.80

acre (lot)

3779 Payne Lake Rd, Chipley, FL 32428

About this home

Waterfront Opportunity - Build Your Dream Home! Discover the perfect setting for your future home on this beautiful 0.8-acre lakefront lot nestled within a quiet, well-maintained subdivision. With a septic tank already installed, you're one step closer to bringing your vision to life. Enjoy peaceful surroundings, scenic water views, and the privacy you've been searching for--all while still being conveniently located. Whether you're planning a full-time residence or a relaxing getaway, this property offers the ideal blend of tranquility and potential. Don't miss this rare opportunity to own a ready-to-build waterfront lot in a serene location. Bring your builder and start creating the lifestyle you've been dreaming of!

Vacant landProperty Type

0.8 acresLot Size

$87,500Price/Acres

Listed by Jarah Franzese Chesnut • Chesnut Realty, Inc

Listing updated: May 29, 2026 at 10:50pm

Redfin checked: a minute ago

•Source:CPARMLS #787841

Payment calculator

$438 per month

Principal and interest$368

Property taxes

$35

HOA dues

Home insurance

$35

Utilities

Add

Mortgage resources

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Around this home

Schools

K - 12
Preschool & daycare

Vernon Elementary School

Public PreK-5 • Assigned • 5.3mi

4/10

Vernon Middle School

Public 6-8 • Assigned • 4.1mi

5/10

Vernon High School

Public 9-12 • Assigned • 3.9mi

3/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Property details

Exterior

Exterior features
Waterfront on a lake
Lot dimensions approximately 90 x 486

Home design
Multi-family residential zoning
Has a view

Construction
Mobile home dimensions measured in feet

Utilities
Well required for water

Sale and tax history for 3779 Payne Lake Rd

Sale History
Tax History

Date

Event

Price

CPARMLS #787841

Mar 31, 2026

Listed

$70,000

CPARMLS #754732

Aug 8, 2024

Sold

$50,000

Jun 2, 2024

Price Changed

$63,500

Mar 24, 2024

Listed

$65,500

Offered for sale is a cleared, surveyed building lot with a septic system already installed on the beautiful Payne Lake. Located one lot left of the entrance, access is quick and convenient. Whether you're looking for homestead or a weekend getaway this property will not disappoint. Payne lake is 26 acres and holds an abundant variety of fish. Located only 35 minutes from Panama City and 10 minutes to Vernon this property is in close proximity to all the Florida Panhandle coastline has to offer. Come get your slice of Panhandle paradise today!

CPARMLS #738034

Apr 10, 2023

Sold

$36,500

Mar 12, 2023

Price Changed

$39,900

Feb 25, 2023

Listed

$44,900

Great opportunity to own a WATERFRONT LOT on Payne Lake!!!! Located in the southern portion of Washington County, this lot is a great choice for those wanting to build their dream home close to the beaches and the international airport, which are only a short drive away. The current owner has already began the initial process of preparing the lot for your dream home. The property has been surveyed, a 911 address has been established, a septic tank installed and the electric company has set up a power pedestal with wiring for underground power. Seller is including the cinder blocks with the purchase, and a concrete footer has already been poured for an RV pad. Now's your chance to grab this beautiful waterfront lot!!!

Public Records

Jun 3, 2005

Sold

$54,900

Public Records

Jan 21, 2004

Sold

$12,141

Public record

Beds

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Baths

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Stories

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Lot width

—

Lot depth

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Lot size

0.81 Acres

Year renovated

—

Finished Sq. Ft.

—

Unfinished Sq. Ft.

—

Total Sq. Ft.

—

Year built

—

Style

Vacant Land

County

Washington County

APN

000000000033220016

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jul 9, 2026.

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

8/10 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

29/ 100

Low sunlight

Sunscore

There appears to be significant shading by surrounding buildings, terrain, and vegetation.

3.2 hrs

1.3 hrs

JuneDecember

Provided by Shadowmap

Redfin Estimate for 3779 Payne Lake Rd

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