11413 Church Road, Ebro, FL 32437 (MLS# 789777)

11413 Church Road, Ebro, FL 32437

$649,000

Homestead parcel 1.19 acres and guest cottage

Lower level -unfinished {additional 1280 sf Potential for split level duplex}

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 1,040 Lot Size (sq. ft.): 294,466 Status: Active

Current Price: $649,000 List Date: 5/12/2026 Last Modified: 7/27/2026

Overview

Description

Rare East River waterfront retreat and investment opportunity offering approximately 6.76 total acres across two parcels, with deepwater access, two concrete boat launches, and a dock creating an ideal setup for boating, fishing, and waterfront living. Surrounded by the natural beauty of Pine Log Forest, this property delivers privacy, river access, outdoor recreation, and multiple income or expansion possibilities. The primary parcel includes approximately 1.19 acres with 294 feet of East River frontage. The main residence is elevated on pilings and features 3 bedrooms, 2 bathrooms, approximately 1,040 square feet, a 1-car garage, and a 30' x 8' porch overlooking the East River and wooded surroundings. The home has been updated with luxury vinyl plank flooring, modern lighting, stainless steel appliances, kitchen and bathroom improvements, an open living and dining layout, and a fireplace. The lower level of the primary residence is partially finished and offers approximately 1,280 … (Read more) Rare East River waterfront retreat and investment opportunity offering approximately 6.76 total acres across two parcels, with deepwater access, two concrete boat launches, and a dock creating an ideal setup for boating, fishing, and waterfront living. Surrounded by the natural beauty of Pine Log Forest, this property delivers privacy, river access, outdoor recreation, and multiple income or expansion possibilities. The primary parcel includes approximately 1.19 acres with 294 feet of East River frontage. The main residence is elevated on pilings and features 3 bedrooms, 2 bathrooms, approximately 1,040 square feet, a 1-car garage, and a 30′ x 8′ porch overlooking the East River and wooded surroundings. The home has been updated with luxury vinyl plank flooring, modern lighting, stainless steel appliances, kitchen and bathroom improvements, an open living and dining layout, and a fireplace. The lower level of the primary residence is partially finished and offers approximately 1,280 square feet with concrete flooring, exterior walls, plumbing, electrical, and storm windows and doors in progress, creating potential for additional living space or duplex-style use. A separate renovated 1 bedroom, 1 bathroom guest cottage offers flexibility for guests, rental income, or multi-generational living. There is also a 16′ x 14′ backyard shed that may offer additional storage or future use potential. The adjacent 5.57 acre parcel includes approximately 1,605 feet of river frontage and features a concrete deepwater cove boat launch. The parcel has been partially cleared with driveway access, and power, septic, and artesian well water are reported to be available on site. This additional acreage creates a strong opportunity for a private retreat, rental compound, tiny home concept, or build-to-suit vision, subject to zoning, permitting, and buyer verification. The property also includes two concrete pad boat launches, a riverside dock landing area, and pier walkway access for convenient access to the river. The East River connects toward the Choctawhatchee River, Choctawhatchee Bay, and the Gulf. Reported improvements include a 2019 architectural roof, 2020 HVAC system, 2020 50-gallon water heater, 2019 storm windows and sliding glass doors, 2022 septic leach field upgrade, 2020 LVP flooring, kitchen and bathroom updates, stainless steel appliances, and modern lighting. The detached guest cottage was built in 2011, and the backyard shed was built in 2012. Conveniently located approximately 21 miles from the Gulf and approximately 15 miles from Northwest Florida Beaches International Airport. Seller financing may be available to qualified investment buyers.

Listing Details MLS# 789777

Contract Info

List Price/SqFt: 624.04

Location

Area: 04 – Bay County – North
Street #: 11413
Street Name: Church
Street Suffix: Road
State: FL
Zip Code: 32437
County: Bay
Sub Area: 0411 – Bay North – West Bay
Subdivision: No Named Subdivision
Community/Resort: None
Waterfront: Yes
Gulf Access: Yes
Parcel ID: 35049-030-000
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: From HWY 98 (Back Beach Rd), take HWY 79 North 12 miles, then turn left onto Pine Log Rd. Continue 3 miles West, then turn right onto Anderson Rd for 1/4 mile, then turn left onto Church Rd.
Legal Description: PID : 35049-030-000 / 11 1S 17W -2.2- COM AT SW COR OF SEC E 1810.79 N 334.48' FOR POB TH W 330' NELY 257' TO PINE LOG CREEK SELY 258' SWLY 97' TO POB AKA PCL PID: 35049-000-000 / 11 1S 17W -2- 14C COM SW COR TH E 1700' FOR POB TH N 275' W 250' SWLY 90.15' W 60.85' NELY 87.58' NELY 139.36' SELY 330.01' NELY 96.82' TO WATERS EDGE TH ELY ALG WATER 1627' TH W 733.5' TO POB AKA PRCL ''I'' ORB 3862 P

General Property Info

Sub-Type: Detached Single Family
Design: Contemporary
Apx SqFt(Htd/Cooled): 1040
SqFt Source: Prop App Site
Full Baths: 3
Total Baths: 3
Year Built: 1997
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: Yes
Lot Dimensions: irr
Acreage: 6.76
Lot Size (SqFt): 294466
Pool: No

Listing Info, Tax and Legal

HOA Fee: No
New Buyer Fee: No
Brokerage Interest: No Interest
Township: Panama City Bea

Remarks & Misc

Remarks: Rare East River waterfront retreat and investment opportunity offering approximately 6.76 total acres across two parcels, with deepwater access, two concrete boat launches, and a dock creating an ideal setup for boating, fishing, and waterfront living. Surrounded by the natural beauty of Pine Log Forest, this property delivers privacy, river access, outdoor recreation, and multiple income or expansion possibilities. The primary parcel includes approximately 1.19 acres with 294 feet of East River frontage. The main residence is elevated on pilings and features 3 bedrooms, 2 bathrooms, approximately 1,040 square feet, a 1-car garage, and a 30' x 8' porch overlooking the East River and wooded surroundings. The home has been updated with luxury vinyl plank flooring, modern lighting, stainless steel appliances, kitchen and bathroom improvements, an open living and dining layout, and a fireplace. The lower level of the primary residence is partially finished and offers approximately 1,280 square feet with concrete flooring, exterior walls, plumbing, electrical, and storm windows and doors in progress, creating potential for additional living space or duplex-style use. A separate renovated 1 bedroom, 1 bathroom guest cottage offers flexibility for guests, rental income, or multi-generational living. There is also a 16' x 14' backyard shed that may offer additional storage or future use potential. The adjacent 5.57 acre parcel includes approximately 1,605 feet of river frontage and features a concrete deepwater cove boat launch. The parcel has been partially cleared with driveway access, and power, septic, and artesian well water are reported to be available on site. This additional acreage creates a strong opportunity for a private retreat, rental compound, tiny home concept, or build-to-suit vision, subject to zoning, permitting, and buyer verification. The property also includes two concrete pad boat launches, a riverside dock landing area, and pier walkway access for convenient access to the river. The East River connects toward the Choctawhatchee River, Choctawhatchee Bay, and the Gulf. Reported improvements include a 2019 architectural roof, 2020 HVAC system, 2020 50-gallon water heater, 2019 storm windows and sliding glass doors, 2022 septic leach field upgrade, 2020 LVP flooring, kitchen and bathroom updates, stainless steel appliances, and modern lighting. The detached guest cottage was built in 2011, and the backyard shed was built in 2012. Conveniently located approximately 21 miles from the Gulf and approximately 15 miles from Northwest Florida Beaches International Airport. Seller financing may be available to qualified investment buyers.

Deck/Patio

Second: Yes

More Information

Dining Room

Second: Yes

Appliances

Cooktop – Electric: Yes
Dishwasher: Yes
Ice Maker: Yes
Microwave: Yes
Oven – Electric: Yes
Refrigerator: Yes
Water Heater – Electric: Yes

Interior Features

Fireplace: Yes
Floor – Vinyl: Yes
Pantry: Yes
Stairs: Yes

Construction/Siding

Block: Yes
Concrete: Yes
Foundation – On Piling: Yes
Wood/Frame: Yes
Roof – Composite Shngl: Yes
Siding – Vinyl: Yes
Trim – Vinyl: Yes

Exterior

Deck Enclosed: Yes
Fenced Chain Link: Yes
Fire Pit: Yes
Patio Enclosed: Yes
Storm Doors: Yes
Storm Windows: Yes

Waterfront Feature

Dock: Yes

Other Structures

Guest House: Yes
Workshop: Yes

Financing

Cash: Yes
Conventional: Yes
FHA: Yes
Seller Financing: Yes
USDA: Yes
VA: Yes

Furnished

Negotiable: Yes

Interior

Bonus Room: Yes
Insulated Doors: Yes
Smart Thermostat: Yes

Kitchen

Second: Yes

Living Room

Second: Yes

Lot Features

Agricultural: Yes
Deeded Access Water: Yes
Easements: Yes
Improved Lots: Yes
Waterfront: Yes
Within 1/2 Mile to Water: Yes
Wooded: Yes

Lot Access

County Road: Yes
Dirt/Clay Road: Yes
Paved Road: Yes
Private Road: Yes

Parking Features

Additional Parking: Yes
Driveway: Yes
Circular Driveway: Yes
Garage Attached: Yes

Rooms

Bedroom: Yes
Deck/Patio: Yes
Dining Room: Yes
Kitchen: Yes
Living Room: Yes
Primary Bedroom: Yes

Utilities

Cable – Available: Yes
Electricity – Connected: Yes
Internet – Broadband Available: Yes
Private Well: Yes
Septic Tank: Yes

Waterview

River: Yes

Sale Type

As Is: Yes

Waterfront Type

River: Yes

Primary Bedroom

Second: Yes

Bedroom

Second: Yes

Cooling

Ceiling Fan(s): Yes
Central Air: Yes
ENERGY STAR Qualified Equipment: Yes

Heating

Central: Yes
Electric: Yes
Fireplace – Wood Burning: Yes
Heat Pump: Yes

Primary Bath/Primary Bdrm

MBath Shower/Tub Combo: Yes

Property Features

Appliances: Cooktop – Electric; Dishwasher; Ice Maker; Microwave; Oven – Electric; Refrigerator; Water Heater – Electric Primary Bedroom: Second Bedroom: Second Cooling: Ceiling Fan(s); Central Air; ENERGY STAR Qualified Equipment Heating: Central; Electric; Fireplace – Wood Burning; Heat Pump Exterior: Deck Enclosed; Fenced Chain Link; Fire Pit; Patio Enclosed; Storm Doors; Storm Windows Financing: Cash; Conventional; FHA; Seller Financing; USDA; VA Furnished: Negotiable Interior: Bonus Room; Insulated Doors; Smart Thermostat Kitchen: Second Living Room: Second Lot Features: Agricultural; Deeded Access Water; Easements; Improved Lots; Waterfront; Within 1/2 Mile to Water; Wooded Lot Access: County Road; Dirt/Clay Road; Paved Road; Private Road Dining Room: Second Parking Features: Additional Parking; Driveway; Circular Driveway; Garage Attached Other Structures: Guest House; Workshop Rooms: Bedroom; Deck/Patio; Dining Room; Kitchen; Living Room; Primary Bedroom Sale Type: As Is Utilities: Cable – Available; Electricity – Connected; Internet – Broadband Available; Private Well; Septic Tank Waterfront Type: River Waterfront Feature: Dock Waterview: River

Room Information

Room Name	Level	Dimensions	Length	Width
Primary Bedroom	Second	15 x 14	15.00	14.00
Bedroom	Second	14 x 10	14.00	10.00
Bedroom	Second	15 x 8	15.00	8.00
Living Room	Second	15 x 15	15.00	15.00
Dining Room	Second	11 x 10	11.00	10.00
Deck/Patio	Second	30 x 10	30.00	10.00
Kitchen	Second	10 x 9	10.00	9.00

Listing Office: Counts Real Estate Group Inc

Last Updated: July – 27 – 2026

Information deemed reliable but not guaranteed.