Riverfront property with just over 4 acres, no HOA, and plenty of room for boats, RVs, equipment, and outdoor recreation. Located near the Choctawhatchee River Bridge and public boat ramps, this property offers the space and flexibility that's becoming increasingly difficult to find. This 3-bedroom, 2-bath brick home offers 2,278 square feet with a spacious floor plan, updated kitchen, large living area with fireplace, and an enclosed sunroom overlooking the property. The kitchen features custom cabinetry, stainless steel appliances, a gas range, and center island. The primary suite includes a walk-in closet and updated bath with double vanities. Outside, you'll find multiple outbuildings, workshop space, storage buildings, oversized covered parking for boats and RVs, and plenty of room for hobbies, projects, and recreational equipment. A private well, septic system, natural gas, metal roof, and abundant parking add to the property's appeal. An additional parcel (36-1N-17-04040-00B-0050) containing approximately 0.247 acres is included in the sale, bringing the total acreage to approximately 4.07 acres. Whether you're looking for a full-time residence, weekend retreat, or a property with room to spread out and enjoy the outdoors, this unique property offers endless possibilities.
Single-familyProperty Type
1961Year Built
3.82 acresLot Size
$154Price/Sq.Ft.
Listed by Terri Anderson• Gulf Life Real Estate Inc
ONLINE AUCTION ENDS MAY 5, 6PM CDT. Here is your opportunity to invest in a beautifully renovated 2278+- Square Foot Home on 3.82+- Acres with Deeded Access to Beautiful Choctawhatchee River; beloved by anglers and recreational boaters alike. The seller has upgraded the entire interior of this large 1961 ranch home, including taking the home down to the studs with new ceilings, flooring and walls. Fantastic open kitchen – dining- living space with granite countertops with new cabinetry and appliances and a central brick hearth woodburning fireplace in the adjoining great room. The south wing features a large primary bedroom with ensuite bath finished with a double walk-in shower and a dual granite topped vanity. On the north side are two additional sizable bedrooms with walk-in closets and a shared hallway bath with jacuzzi bathtub and a granite topped vanity. Additional interior features include a dining room that is an ideal flex space for an office- overflow entertaining – or a dedicated dining area. A large indoor laundry room off the master suite has washer/dryer hookups. Just off the primary suite, relax year around in the expansive 40x16 screened and glassed Florida room. A barn sits to the back of the home and has overhang storage for lawn tractors and equipment, while the inside has ample room for general storage. In front of the home is large, covered car park on slab that is ideal for that bass boat and trailer! It’s a one-minute drive to the beautifully maintained Howell Bluff Landing boat ramp; used by locals for boat launching, fishing access and putting in kayaks or canoes. Beautiful Choctawhatchee River empties into the Choctawhatchee Bay then empties into the Gulf of Mexico at East Pass near Destin, Florida. So many options for recreational boating and fishing. You can only buy this property at online auction. Visit with us at one of three upcoming open houses and get ready to buy the Florida lifestyle at your price!
CPARMLS #784793
Mar 31, 2026
Listing Removed
—
Feb 24, 2026
Price Changed
$350,000
$154/sq ft
Feb 18, 2026
Price Changed
$354,000
$155/sq ft
Feb 6, 2026
Listed
$360,000
$158/sq ft
ECAR #991371
Jan 12, 2026
Price Changed
$375,000
$165/sq ft
Jan 2, 2026
Price Changed
$394,000
$173/sq ft
Dec 16, 2025
Listed
$399,000
$175/sq ft
CPARMLS #781732
Jan 12, 2026
Price Changed
$375,000
$165/sq ft
Jan 2, 2026
Price Changed
$394,000
$173/sq ft
Dec 1, 2025
Price Changed
$399,000
$175/sq ft
Nov 17, 2025
Listed
$420,000
$184/sq ft
Public Records
Sep 5, 2025
Sold
$100,000
$44/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$937 (+20.0%)
2024
$781 (+4.6%)
2023
$747 (+4.0%)
2022
$718 (+11.8%)
2021
$643 (+5.9%)
2020
$607 (−2.2%)
$8,640 + $48,967
$57,607
2019
$620 (+727.1%)
$8,640 + $50,750
$59,390
2018
$75
2017
$75
2016
$75
Public record
Public record
Zoning
Beds
—
Baths
2
Stories
1
Lot width
—
Lot depth
—
Lot size
3.82 Acres
Year renovated
1961
Finished Sq. Ft.
2,278
Unfinished Sq. Ft.
—
Total Sq. Ft.
2,278
Year built
1961
Style
Single Family Residential
County
Walton County
APN
361N17040000310010
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Aug 26, 2026.
GA
General Agriculture District
The General Agriculture district includes rural areas suitable for small scale agricultural activities, including timber production and limited supporting commercial activities.
Permitted uses
Include but are not limited to:
Agriculture
Greenhouse / nursery
Livestock production
Winery & vineyard
Housing-Single unit
Kennel
Veterinary clinic
Agriculture-Cropland
Agriculture-Grove / orchard / vineyard
Agriculture-Pastureland
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
5/10 Fire Factor
5% chance of being in a wildfire in next 30 years
9/10 Heat Factor
7 days above 106° expected this year, 21 days in 30 years
9/10 Wind Factor
99% chance of strong winds in next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Ponce de Leon, FL • 32455
Average low and high temperatures (°F)
60
39
68
48
76
53
81
59
83
66
89
72
91
75
90
74
86
70
81
60
74
54
64
44
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
65/ 100
Moderate sunlight
Sunscore
There appears to be some shading by surrounding buildings, terrain, and vegetation.
10 hrs
1.9 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 92 Howell Bluff Rd
We cannot show automated home-value estimates for this home.
Nearby homes have recently sold between $343,464 and $589,000.
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $343K to $589K.