Stunning Lakefront Oasis on Payne Lake Quiet Country Living with Gulf Access Discover this tranquil lakefront retreat just outside Chipley, a spacious, well appointed home on 1.45 acres with direct Payne Lake frontage, blending peaceful country charm with easy access to the Gulf Coast and Tyndall Air Force Base. Property Highlights: Generous, open floorplan: Large windows throughout the main house capture breathtaking lake views and flood the interior with natural light. You'll find a modern kitchen, expansive living and dining spaces, several bedrooms, and full bathrooms. Outdoor living at its finest: A big deck framed by mature oak trees overlooks Payne Lake the perfect place to sip morning coffee, entertain friends, or simply absorb the serenity. Flexible in law suite: A separate efficiency unit with its own kitchenette, bathroom, and private entrance. Ideal for guests, extended family, or rental income. Peaceful, private setting: Located on a quiet, maintained road offering privacy, room to roam, and space for gardens, hobbies, or future additions. Recreation on the lake: Kayak, paddleboard, fish, or observe wildlife right from your backyard. Payne Lake is a natural playground. Location & Commute: Panama City Beach: Approximately 53 miles (about 1 hour 5 minutes) away from Chipley. Tyndall Air Force Base: Roughly 61 miles (about 98 km) by road from Chipley. Panama City: Around 48 miles (about 57 minutes' drive) from Chipley. This makes the property especially appealing for those who want rural, lakeside peace without being isolated whether you're commuting to Tyndall AFB, working in Panama City, or heading to the beach on the weekends. Why You'll Love It: Ideal for multi generational living the in law suite adds flexibility & value A nature lover's dream bring your kayaks, fish, or just unwind by the water Military friendly within comfortable commuting distance to Tyndall AFB Beach access Gulf Coast adventures are just a drive away No HOA more freedom to make this home you