SOLD OCT 23, 2026

Sold on oct 2026

$379,000

•

3,100

sq ft

3783 Payne Lake Rd, Chipley, FL 32428

Track this home’s value and nearby sales activity

About this home

'CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS' 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.

Single-familyProperty Type

1986Year Built

$122Price/Sq.Ft.

Listed by Nathan Lawrence • Legacy Premier Agency LLC

Listed by The Fadden-Mckelvie Group Fadden • Legacy Premier Agency LLC

Bought with The Fadden-Mckelvie Group Fadden • Legacy Premier Agency LLC

Redfin checked: 2 minutes ago

•Source:ECAR #1009273

Redfin Estimate

$498,551

$120K since sold in October 2026$14K since September

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 57.6% higher than the average sale price ($316K) of 6 comparable homes.

SOLD AUG 25, 2026
$270,000
A
4 beds2.5 baths2,116 sq ft
2056 Sunny Hills Blvd, Chipley, FL 32428
SOLD AUG 31, 2026
$585,000
B
4 beds3 baths1,941 sq ft
2474 Tiller Cemetery Dr, Chipley, FL 32428
SOLD AUG 28, 2026
$240,881
C
4 beds2 baths1,799 sq ft
2276 Walkerton Dr, Chipley, FL 32428
SOLD APR 23, 2026
$199,900
D
3 beds2 baths1,826 sq ft
4006 Oak Hill Rd, Chipley, FL 32428
SOLD SEP 30, 2026
$262,000
E
4 beds2 baths1,673 sq ft
2060 Apollo Dr, Chipley, FL 32428
SOLD MAY 29, 2026
$340,000
F
5 beds3 baths2,516 sq ft
4026 Ryan Ct, Chipley, FL 32428

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Market trends in 32428, FL

Last updated September 2026

Buyer's Market

Seller's Market

Balanced market

Sale-to-list price

97.8%

+0.1% MoM

Median sale price

$240K

$70 MoM

Avg. days on market

60d

19 days MoM

Recently sold homes

10 MoM

New listings for sale

$329,900
4 beds2.5 baths2,132 sq ft
3380 Safari Ct, Chipley, FL 32428
$329,999
3 beds2 baths1,962 sq ft
871 S 8th St, Chipley, FL 32428
$299,900
3 beds2 baths1,980 sq ft
498 Quail Hollow Blvd, Chipley, FL 32428
$159,900
3 beds2 baths1,431 sq ft
550 Bennett Dr, Chipley, FL 32428
$475,000
4 beds2 baths2,406 sq ft
1140 Buddy Rd, Chipley, FL 32428
$168,000
3 beds2 baths1,012 sq ft
3433 Cardinal Pl, Chipley, FL 32428
See all

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Rental estimate

Est. $2,570 per month, based on comparable rentals

Sale and tax history for 3783 Payne Lake Rd

Sale History
Tax History

Date

Event

Price

CPARMLS #793626

Oct 23, 2026

Sold

$379,000

$122/sq ft

Sep 14, 2026

Price Changed

$389,000

$125/sq ft

Sep 1, 2026

Price Changed

$400,000

$129/sq ft

Aug 17, 2026

Price Changed

$409,000

$132/sq ft

Aug 5, 2026

Listed

$429,000

$138/sq ft

+62

ECAR #1009273

Oct 23, 2026

Sold

$379,000

$122/sq ft

Oct 6, 2026

Pending

—

Sep 14, 2026

Price Changed

$389,000

$125/sq ft

Sep 1, 2026

Price Changed

$400,000

$129/sq ft

Aug 17, 2026

Price Changed

$409,000

$132/sq ft

Aug 5, 2026

Listed

$429,000

$138/sq ft

CPARMLS #789905

Jul 20, 2026

Listing Removed

—

May 15, 2026

Listed

$450,000

$145/sq ft

CPARMLS #779897

May 14, 2026

Listing Removed

—

Apr 17, 2026

Price Changed

$450,000

$145/sq ft

Mar 31, 2026

Price Changed

$485,000

$156/sq ft

Jan 30, 2026

Price Changed

$489,000

$158/sq ft

Nov 21, 2025

Price Changed

$500,000

$161/sq ft

Oct 24, 2025

Price Changed

$530,000

$171/sq ft

Oct 3, 2025

Listed

$540,000

$174/sq ft

CPARMLS #310351

Dec 14, 2021

Listing Removed

—

May 8, 2003

Listed

$225,000

$73/sq ft

CPARMLS #322478

May 2, 2005

Sold

$235,000

$76/sq ft

Aug 21, 2004

Listed

$295,000

$95/sq ft

Public record

Beds

—

Baths

Stories

—

Lot width

—

Lot depth

—

Lot size

0.84 Acres

Year renovated

2007

Sq. Ft.

1,192

Year built

1986

Style

Single Family Residential

County

Washington County

APN

000000000033220003

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Oct 19, 2026.

Property details

Parking

Garage Information
Has Garage
Has Attached Garage

Parking Information
Parking Features: Garage Detached

Interior

Bedroom Information
# of Bedrooms: 5

Master Bedroom Information
Master Bedroom/Bath Features: Master Bathroom Shower Only

Bathroom Information
# of Bathrooms: 4
# of Baths (Full): 4

Living Room Information
Living Room Level: Second

Kitchen Information
Kitchen Level: Second

Interior Features
Interior Features: Beamed Ceilings, Vaulted Ceiling(s), Fireplace
Window Features: Window Treatments

Flooring Information
Flooring: Tile, Vinyl

Room Information
# of Rooms: 7

Heating & Cooling
Has Cooling
Cooling: Central Air
Has Heating
Heating: Central

Appliances
Appliances: Dishwasher, Microwave, Refrigerator

Room 1 Information
Room 1 Type: Bedroom
Room 1 Level: Third
Room 1 Length: 16.6
Room 1 Width: 15.5

Room 2 Information
Room 2 Type: Bedroom
Room 2 Level: Second
Room 2 Length: 13.2
Room 2 Width: 12.1

Room 3 Information
Room 3 Type: Bedroom
Room 3 Level: Second
Room 3 Length: 10.9
Room 3 Width: 12.8

Room 4 Information
Room 4 Type: Bedroom
Room 4 Level: First
Room 4 Length: 12.3
Room 4 Width: 12.1

Room 5 Information
Room 5 Type: Living Room
Room 5 Level: Second
Room 5 Length: 19.11
Room 5 Width: 15.5

Room 6 Information
Room 6 Type: Dining Area
Room 6 Level: Second
Room 6 Length: 11.5
Room 6 Width: 9.9

Room 7 Information
Room 7 Type: Kitchen
Room 7 Level: Second
Room 7 Length: 12.4
Room 7 Width: 9.4

Exterior

Building Information
Total Building Area (Sq. Ft.): 3100.0
Building Area Source: Agent-Measured

Exterior Features
Fencing: Chain Link
Patio & Porch Features: Deck Open, Patio Enclosed

Stories
Stories: 3

Style
Architectural Style: Craftsman

Year Built
Year Built: 1986

Lot Information
Lot Features: Within 1/2 Mile to Water
Lot Size Dimensions: 165 x 460 x 412
Lot/Parcel Access: Dirt/Clay Road
Zoning: Resid Single Family

Waterfront Information
Waterfront Property
Waterfront Features: Lake Front
Waterfront Feet: 100

Utilities

Utility Information
Energy Features: AC - Central Elect, Heat Cntrl Electric
Utilities: Electric, Private Well, Septic Tank

Location

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

Community Information
Subdivision Name: Payne Lakes

Public facts

Beds: —
Baths: 2.0
Sq. Ft.: 1,192
Stories: —
Lot Size: 0.84 acres
Style: Single Family Residential
Year Built: 1986
Year Renovated: 2007
County: Washington County
APN: 000000000033220003

Home facts updated by county records on Oct 19, 2026

Around this home

Schools

Vernon Elementary School

Public PreK-5 • Assigned • 5.3mi

3/10

Vernon Middle School

Public 6-8 • Assigned • 4.1mi

6/10

Vernon High School

Public 9-12 • Assigned • 3.9mi

3/10

Provided by GreatSchools

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

81/ 100

Very good sunlight

Sunscore

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

8.2 hrs

5.2 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$474,000 – $574,000

Sell confidently with a local market expert in Chipley.

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Quartz countertops • 8,276 sq ft lot • Built 1993

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Home values near 3783 Payne Lake Rd

Data from public records.

Address	Redfin Estimate
3754 Payne Lake Road, Chipley, FL - Beds \| - Baths \| - Sq. Ft.	$19,354
3539 Payne Lake Road, Chipley, FL 4 Beds \| 3 Baths \| 2720 Sq. Ft.	$469,075

Address	Redfin Estimate
3549 Payne Lake Road, Chipley, FL 2 Beds \| 2 Baths \| 910 Sq. Ft.	$223,154
3671 Payne Lake Road, Chipley, FL 2 Beds \| 2 Baths \| 840 Sq. Ft.	$221,800

Address	Redfin Estimate
3545 Payne Lake Road, Chipley, FL 2 Beds \| 2 Baths \| 1761 Sq. Ft.	$383,750
3779 Payne Lake Road, Chipley, FL - Beds \| - Baths \| - Sq. Ft.	—

Property information provided by ECAR when last listed in 2026. This data may not match . Learn more.

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3783 Payne Lake Rd, Chipley, FL 32428

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About this home

Redfin Estimate

Market trends in 32428, FL

Homeowner tools

Sale and tax history for 3783 Payne Lake Rd

Public record

Property details

Parking

Interior

Exterior

Utilities

Location

Public facts

Around this home

Schools

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 32428

Home values near 3783 Payne Lake Rd

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