$379,000
$389,000
2.6%For more information regarding the value of a property, please contact us for a free consultation.
5 Beds
4 Baths
3,100 SqFt
SOLD DATE : 10/23/2026
Key Details
Sold Price $379,000
Property Type Single Family Home
Sub Type Detached Single Family
Listing Status Sold
Purchase Type For Sale
Square Footage 3,100 sqft
Price per Sqft $122
Subdivision Payne Lakes
MLS Listing ID 1009273
Sold Date 10/23/26
Style Craftsman Style
Bedrooms 5
Full Baths 4
HOA Y/N No
Year Built 1986
Lot Dimensions 165 x 460 x 412
Property Sub-Type Detached Single Family
Source Emerald Coast Association of REALTORS®
Land Area 3100
Property Description
'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.
Location
State FL
County Washington
Area 30 - Other Counties
Zoning Resid Single Family
Direction Heading east from Freeport, take FL-20 E, Turn left onto FL-77 N, Keep Right, Continue onto FL-77 N, Turn left onto State Hwy 279/Moss Hill Rd, Continue to follow Moss Hill Rd, Turn right onto Payne Lake Rd, Destination will be on the left
Rooms
Kitchen true
Interior
Interior Features Ceiling Beamed, Ceiling Vaulted, Fireplace
Heating Central
Cooling Central Air
Flooring Floor Tile, Floor Vinyl
Window Features Window Treatment All
Appliance Dishwasher, Microwave, Refrigerator, Stove/Oven Electric
Exterior
Exterior Feature Enclosed Patio, Open Deck, Chain Link Fence
Parking Features Garage Detached
Fence Fenced Chain Link
Utilities Available Electric
Waterfront Description Lake
Porch Deck Open, Patio Enclosed
Garage No
Building
Lot Description Within 1/2 Mile to Water
Faces Heading east from Freeport, take FL-20 E, Turn left onto FL-77 N, Keep Right, Continue onto FL-77 N, Turn left onto State Hwy 279/Moss Hill Rd, Continue to follow Moss Hill Rd, Turn right onto Payne Lake Rd, Destination will be on the left
Story 3
Sewer Septic Tank
Water Well
Architectural Style Craftsman Style
New Construction No
Schools
Elementary Schools Not Available
Middle Schools Not Available
High Schools Not Available
Others
Pets Allowed No
Tax ID 00000000-00-3322-0003
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