Off Market Dec 2025 for $99K

$232,522

•

1,448

sq ft

10909 Cowels Rd, Fountain, FL 32438

About this home

Welcome to 10909 Cowles Rd, a fantastic investment opportunity nestled in panhandle of Florida. Whether you are a first-time home owner looking to add your own personal touch, or an investor looking for a project, this is the ideal investment. The bones are great, and only needs your creative touch to freshen this home up! This 4 bedroom, 2 bathroom home has the ideal floorplan with major potential. With its oversized living areas, large bedrooms, and unbeatable location, 10909 Cowles Rd offers a rare opportunity to acquire a property with serious upside potential. Don't miss out on the chance to make this home shine—schedule your showing today and envision the possibilities this home can offer.

Single-familyProperty Type

2000Year Built

5 acresLot Size

$161Est. Price/Sq.Ft.

Listed by Terry Connors, II • THE SHOP REAL ESTATE CO.

Contact: 727-593-7777

Bought with Non-Member Agent • STELLAR NON-MEMBER OFFICE

Redfin checked: 2 minutes ago

•Source:Stellar MLS as Distributed by MLS Grid #TB8401722

Redfin Estimate

$232,522

$134K since sold in December 2025$22K since August

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 16% lower than the average sale price ($277K) of 6 comparable homes.

SOLD APR 22, 2026
$325,000
A
3 beds2 baths1,584 sq ft
3031 Pineoaks Ln, Chipley, FL 32428
SOLD JUL 27, 2026
$182,245
B
3 beds2 baths1,434 sq ft
4335 Country Club Blvd, Chipley, FL 32428
SOLD JUL 22, 2026
$300,000
C
4 beds2 baths1,572 sq ft
8106 Starling Rd, Youngstown, FL 32466
SOLD JUL 27, 2026
$315,000
D
3 beds2.5 baths1,538 sq ft
3385 Orange Hill Rd, Chipley, FL 32428
SOLD JUN 17, 2026
$285,000
E
3 beds2 baths1,484 sq ft
1371 Deadening Rd, Chipley, FL 32428
SOLD AUG 25, 2026
$253,990
F
4 beds2 baths1,684 sq ft
1847 Sunny Hills Blvd, Chipley, FL 32428

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

Earn from this home

Rent

$2,658/mo

Redfin rental estimate

List your home for rent

Market trends in 32438, FL

Last updated August 2026

Sale-to-List Price

85.7%

7.4% MoM

Median sale price

$300K

$80K MoM

Avg. days on market

78d

115 days MoM

Recently sold homes

3 MoM

New listings for sale

$230,000
2 beds2 baths1,168 sq ft
16751 Westwood Dr, Fountain, FL 32438
See all

Provided by Redfin

Sale history for 10909 Cowels Rd

Year

Property tax

Land + Additions

Assessment*

2025

$1,698 (+14.8%)

2024

$1,478 (+101.3%)

$23,420 + $93,036

$116,456

2023

$734 (+11.3%)

2022

$660 (+1.3%)

2021

$651 (+36.2%)

2020

$478

$10,450 + $62,615

$73,065

2019

$478 (−25.7%)

$10,000 + $63,276

$73,276

2018

$643 (−3.5%)

$9,600 + $77,399

$86,999

2017

$666 (−3.6%)

$9,695 + $78,061

$87,756

2016

$691 (−5.1%)

$9,695 + $78,722

$88,417

2015

$728 (−3.3%)

$9,565 + $79,604

$89,169

2014

$753

Tax history for 10909 Cowels Rd

Year

Property tax

Land + Additions

Assessment*

2025

$1,698 (+14.8%)

2024

$1,478 (+101.3%)

$23,420 + $93,036

$116,456

2023

$734 (+11.3%)

2022

$660 (+1.3%)

2021

$651 (+36.2%)

2020

$478

$10,450 + $62,615

$73,065

2019

$478 (−25.7%)

$10,000 + $63,276

$73,276

2018

$643 (−3.5%)

$9,600 + $77,399

$86,999

2017

$666 (−3.6%)

$9,695 + $78,061

$87,756

2016

$691 (−5.1%)

$9,695 + $78,722

$88,417

2015

$728 (−3.3%)

$9,565 + $79,604

$89,169

2014

$753

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

Public record

Public record
Permits

Beds

Baths

Stories

Lot width

—

Lot depth

—

Lot size

5 Acres

Year renovated

2000

Sq. Ft.

1,448

Year built

2000

Style

Single Family Residential

County

Bay County

APN

01248010000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jun 18, 2026.

Property details

Interior

Virtual Tour

Bedroom Information
# of Bedrooms: 4

Bathroom Information
# of Full Baths (Total): 2

Laundry Room Information
Laundry Features: Other

Other Rooms Information
# of Rooms: 8

Heating & Cooling
Heating Information: Electric
Cooling Information: Central Air, Mini-Split Unit(s)

Interior Features
Interior Features: Ninguno
Appliances: None
Flooring: Laminate, Vinyl, Wood

Exterior

Building Information
Construction Materials: Vinyl Siding, Frame
Roof: Shingle

Exterior Features
Exterior Features: Other

Property Features
Universal Property Id: US-12005-N-01248010000-R-N

Waterfront Information
Waterfront Feet Total: 0
Water View Y/N: 0
Water Access Y/N: 0
Water Extras Y/N: 0

Property Information
CDD Y/N: 0
Homestead Y/N: 0
Property Type: Residential
Property Sub Type: Single Family Residence
Zoning: AG-1

Land Information
Total Acreage: 5 to less than 10

Lot Information
Lot Size Acres: 5
Road Surface Type: Dirt
Lot Size Square Meters: 20234

Building Information
MFR_BuildingAreaTotalSrchSqM: 134.52

Financial

Tax Information
Tax Annual Amount: $1,478.11
Tax Year: 2024

Lease / Rent Details
Lease Restrictions YN: 0

Utilities

Utility Information
Water Source: Well
Sewer: Septic Tank
Utilities: Electricity Available
Additional Water Information: Seller is not aware of fees, restrictions, covenants, HOA, etc. Buyer responsibility to verify all of this information to their satisfaction. No sellers disclosures available. All measurements are estimates. Buyers due diligence is required & advised.

Location

Multi-Unit Information
Unit Number YN: 0

HOA Information
MFR_Association2YN: 0

Location Information
Directions: Heading N from Panama City: Head north on US-231 N toward Jadewood Cir. Keep right to stay on US-231 N. Turn left onto Silver Lake Rd. Turn right to stay on Silver Lake Rd. Turn left onto Cowels Rd. Continue straight onto Sanjo Rd. Turn right onto Cowles Rd

Community Information
Pets Allowed: Yes

Public facts

Beds: 4
Baths: 2.0
Sq. Ft.: 1,448
Stories: 1.0
Lot Size: 5 acres
Style: Single Family Residential
Year Built: 2000
Year Renovated: 2000
County: Bay County
APN: 01248010000

Home facts updated by county records on Jun 18, 2026

Other

Miscellaneous Information
Third Party YN: 1

Listing Information
Attribution Contact: 727-593-7777
Previous Status: Pending
Backups Requested YN: 1

Listing Date Information
Days to Contract: 126
BOM Date: 2025-11-04T00:00:00.000
Status Contractual Search Date: 2025-12-01

Listing Price Information
Calculated List Price By Calculated Sq Ft: 75.93

Green Information
Green Verification Count: 0
Direction Faces: Northeast

Home Information
Living Area: 1448
Living Area Units: Square Feet
Living Area Source: Public Records
Living Area Meters: 134.52
Building Area Total: 1448
Building Area Units: Square Feet
Building Area Source: Public Records
Foundation Details: Crawlspace
Stories Total: 1
Levels: One

Around this home

Schools

Waller Elementary School

Public PreK-5 • Assigned • 7.5mi

4/10

Deane Bozeman School

Public PreK-12 • Assigned • 15.3mi

6/10

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

8/10 Heat Factor

7 days above 106° expected this year, 19 days in 30 years

9/10 Wind Factor

99% chance of strong winds in next 30 years

1/10 Air Factor

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

Provided by First Street

Historical weather

Fountain, FL • 32438

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 9.7 hours in June and 5.7 hours in December, placing it above the U.S. average for solar exposure.

9.7 hrs

5.7 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$221,000 – $268,000

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

Nearby similar homes

$330,000

3 beds2 baths1,368 sq ft

3047 Everest Dr, Chipley, FL 32428

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Land— sq ft

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17742 NW Thrasher Ln, Clarksville, FL 32430

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2 beds2 baths2,122 sq ft

9107 Sunshine Dr, Youngstown, FL 32466

NEW CONSTRUCTION

$254,900

4 beds2 baths1,799 sq ft

3993 Oxford Dr, Chipley, FL 32428

NEW CONSTRUCTION3D WALKTHROUGH

$314,990

4 beds2 baths1,684 sq ft

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New listings for sale in 32438

$230,000

2 beds2 baths1,168 sq ft

16751 Westwood Dr, Fountain, FL 32438

Home values near 10909 Cowels Rd

Data from public records.

Address	Redfin Estimate
10723 Cowels Road, Fountain, FL 3 Beds \| 2 Baths \| 2432 Sq. Ft.	$199,306
11028 Cowels Road, Fountain, FL 4 Beds \| 2 Baths \| 2052 Sq. Ft.	$260,272

Address	Redfin Estimate
11129 Cowels Road, Fountain, FL 2 Beds \| 1 Baths \| 968 Sq. Ft.	$76,000
10938 Cowels Road, Fountain, FL 4 Beds \| 2 Baths \| 1976 Sq. Ft.	$242,562

Address	Redfin Estimate
11126 Cowels Road, Fountain, FL 3 Beds \| 2 Baths \| 1216 Sq. Ft.	$215,623
10641 Cowels Road, Fountain, FL 2 Beds \| 1 Baths \| 974 Sq. Ft.	$248,710

Property information provided by Stellar MLS as Distributed by MLS Grid when last listed in 2025. This data may not match . Learn more.

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