GROUND-LEVEL, SINGLE-STORY LIVING | FLOOD ZONE X | DUAL-RESIDENCE DESIGN | 6406 River Bluff Trail is a thoughtfully designed single-story residence within RiverCamps on Crooked Creek, positioned on an approximately 0.81-acre homesite and offering a scale and sense of space that is increasingly uncommon within the community. Located in Flood Zone X, the property benefits from a high-and-dry classification that typically does not require flood insurance. | Built in 2019, the home offers 3,746 square feet of heated living space with a rare dual-residence configuration, intentionally designed as two fully independent living quarters, each with its own living areas, kitchen, and garage access. The two living environments are connected by shared outdoor spaces, allowing privacy and flexibility without physical separation. | One residence features expansive primary living spaces with its own dedicated garage, while the second provides a complete living suite with its own kitchen, bedrooms, and separate garage. An additional adjacent carport supports the secondary living space and provides convenient covered parking. | The interior includes six bedrooms, five full bathrooms, two kitchens, and multiple living areas, all arranged across a true single-story floor plan. Open-concept main living spaces emphasize flow and functionality, while the metal roof and modern systems reflect recent construction quality. The homesite offers privacy, usable outdoor space, and a wooded setting that supports comfort and day-to-day livability within the RiverCamps environment. | Convenient proximity to the community entrance supports efficient access in and out of RiverCamps while maintaining the natural character the community is known for. | RiverCamps on Crooked Creek spans more than 1,500 acres, with approximately 1,000 acres preserved as conservation land. Community amenities include gated access, boardwalks and trails, a river house, community pool, gathering spaces, kayak and paddle access to Crooked Creek, as well as a community boat ramp and dedicated boat storage for residents--creating a balance of nature, privacy, and thoughtfully designed amenities. | Within RiverCamps on Crooked Creek, 6406 River Bluff Trail stands out for offering true ground-level, single-story living, Flood Zone X placement, and a purpose-built dual-residence layout designed for long-term flexibility and everyday use. | The property is located within RiverCamps on Crooked Creek and is subject to a homeowners association. The current HOA fee is $830.59 per quarter, for an annual amount of $3,322.36. HOA information is provided for convenience and is subject to verification. | All information is deemed reliable but not guaranteed. Buyer to verify if important.
Sold for $1,220,000
$1,220,000
6406 River Bluff Trl, Panama City Beach, FL 32413
6beds
3,746sqft
Single Family Residence
Built in 2019
0.81 Acres Lot
$1,211,100 Zestimate®
$326/sqft
$5,885 Estimated rent
Home value
$1,211,100
$1.10M - $1.33M
$5,885/mo
Zestimate® history
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List your homeWhat's special
True ground-level single-story livingSix bedroomsMetal roofTwo kitchensRare dual-residence configuration
Zillow last checked:
Listing updated:
Listed by:
Sean P Casilli 850-771-7731,
Coldwell Banker Realty,
Alice de La Penha 850-771-3150,
Coldwell Banker Realty
Bought with:
Tanya C Childs, SL3458754
Corcoran Reverie
Source: CPAR,MLS#: 784323
Originating MLS: Central Panhandle Association of REALTORS
Originating MLS: Central Panhandle Association of REALTORSFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 6
- Bathrooms: 5
- Full bathrooms: 5
Rooms
- Room types: Bedroom, Dining Room, Full Bath, Foyer, Kitchen, Laundry, Living Room, Primary Bathroom, Primary Bedroom
Primary bedroom
- Description: main
- Level: First
- Dimensions: 17.9 x 17
Primary bedroom
- Description: Guest
- Level: First
- Dimensions: 14.1 x 12.3
Bedroom
- Description: Main
- Level: First
- Dimensions: 11.6 x 16.1
Bedroom
- Description: Main
- Level: First
- Dimensions: 11.2 x 16.2
Bedroom
- Description: Main
- Level: First
- Dimensions: 11.2 x 14.1
Bedroom
- Description: Guest
- Level: First
- Dimensions: 12.9 x 12.3
Primary bathroom
- Description: Main
- Level: First
- Dimensions: 18.7 x 11.5
Primary bathroom
- Description: Guest
- Level: First
- Dimensions: 5.1 x 10
Dining room
- Description: Main
- Level: First
- Dimensions: 11.8 x 12.1
Dining room
- Description: Guest
- Level: First
- Dimensions: 16.7 x 7.1
Foyer
- Description: Main
- Level: First
- Dimensions: 5 x 10.1
Other
- Description: J&J - Main
- Level: First
- Dimensions: 5.6 x 6.7
Other
- Description: Main
- Level: First
- Dimensions: 5.6 x 10.9
Other
- Description: Guest
- Level: First
- Dimensions: 8.9 x 5.9
Kitchen
- Description: Main
- Level: First
- Dimensions: 7.8 x 14.4
Kitchen
- Description: Guest
- Level: First
- Dimensions: 10.5 x 14.1
Laundry
- Description: Main
- Level: First
- Dimensions: 6.2 x 8.7
Laundry
- Description: Guest
- Level: First
- Dimensions: 8.4 x 5.3
Living room
- Description: Main
- Level: First
- Dimensions: 20.1 x 17.2
Living room
- Description: Guest
- Level: First
- Dimensions: 15.5 x 17.6
Heating
- Central, Electric
Cooling
- Central Air
Appliances
- Included: Electric Water Heater, Tankless Water Heater
Features
- Entrance Foyer
- Windows: Double Pane Windows
Interior area
- Total structure area: 3,746
- Total interior livable area: 3,746 sqft
Property
Parking
- Total spaces: 3
- Parking features: Additional Parking, Garage, Garage Door Opener
- Garage spaces: 3
Features
- Levels: One
- Stories: 1
- Patio & porch: Porch, Screened
- Exterior features: Fire Pit, Porch
- Pool features: In Ground, Community
- On waterfront: Yes
Lot
- Size: 0.81 Acres
Details
- Parcel number: 32611503000
- Zoning description: Resid Single Family
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Craftsman
- Property subtype: Single Family Residence
Materials
- HardiPlank Type, Wood Frame
- Foundation: Slab
- Roof: Metal
Condition
- New construction: No
- Year built: 2019
Utilities & green energy
- Sewer: Public Sewer
- Utilities for property: Cable Connected, Electricity Available, Phone Connected, Underground Utilities
Community & HOA
Community
- Features: Barbecue, Boat Facilities, Clubhouse, Dock, Fishing, Playground, Park, Pool, Waterfront, Community Pool, Gated
- Security: Security Gate, Gated Community, Security Service
- Subdivision: Rivercamps On Crooked Creek
HOA
- Has HOA: Yes
- Amenities included: Other, See Remarks, Gated, Gazebo, Barbecue, Picnic Area, Boat Slip
Location
- Region: Panama City Beach
Financial & listing details
- Price per square foot: $326/sqft
- Tax assessed value: $697,154
- Annual tax amount: $5,825
- Date on market: 1/28/2026
- Cumulative days on market: 7 days
- Electric utility on property: Yes
- Road surface type: Gravel
Price history
| Date | Event | Price |
|---|---|---|
| 3/16/2026 | Sold | $1,220,000-5.8%$326/sqft |
Source:  CPAR #784323 Report a problem | ||
| 2/4/2026 | Pending sale | $1,295,000$346/sqft |
Source: CPAR #784323 Report a problem | ||
| 1/28/2026 | Listed for sale | $1,295,000+3220.5%$346/sqft |
Source: CPAR #784323 Report a problem | ||
| 5/26/2016 | Sold | $39,000-21.8%$10/sqft |
Source: CPAR #642551 Report a problem | ||
| 5/3/2016 | Price change | $49,900-9.1%$13/sqft |
Source: Top Producers Real Estate Ctr #642551 Report a problem | ||
| 3/3/2016 | Listed for sale | $54,900+175.9%$15/sqft |
Source: Top Producers Real Estate Ctr #642551 Report a problem | ||
| 2/7/2012 | Sold | $19,900$5/sqft |
Source: Agent Provided Report a problem | ||
| 11/17/2011 | Pending sale | $19,900$5/sqft |
Source: Keller Williams Success Realty #500699 Report a problem | ||
| 11/10/2011 | Price change | $19,900-27.6%$5/sqft |
Source: Keller Williams Success Realty #500699 Report a problem | ||
| 11/6/2011 | Listed for sale | $27,500-90.8%$7/sqft |
Source: Keller Williams Success Realty #500699 Report a problem | ||
| 3/1/2005 | Sold | $299,000$80/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $5,642 +2.1% | $492,866 +3.3% |
| 2023 | $5,525 +11.7% | $477,054 +3% |
| 2022 | $4,948 | $463,159 |
| 2021 | -- | -- |
| 2020 | $4,917 +835.3% | $443,461 +1029.3% |
| 2019 | $526 | $39,270 +10% |
| 2018 | $526 +21% | $35,700 +3.7% |
| 2017 | $435 +1.9% | $34,425 +11% |
| 2016 | $427 +11.5% | $31,000 +6.7% |
| 2015 | $383 | $29,050 +3.6% |
| 2014 | $383 | $28,050 |
Find assessor info on the county website
Neighborhood: 32413
Nearby homes
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Nearby schools
GreatSchools rating
- 6/10West Bay Elementary SchoolGrades: PK-5Distance: 2.9 mi
- 7/10Surfside Middle SchoolGrades: PK-12Distance: 7.2 mi
- 4/10J.R. Arnold High SchoolGrades: 9-12Distance: 7.1 mi
Schools provided by the listing agent
- Elementary: West Bay
- Middle: Surfside
- High: Arnold
Source: CPAR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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