6406 River Bluff Trail, Panama City Beach, FL 32413
$1,295,000
Property Type:
Residential
Bedrooms:
6
Baths:
5
Square Footage:
3,746
Lot Size (sq. ft.):
35,501
Status:
Under Contract – Taking Backups
Current Price:
$1,295,000
List Date:
1/28/2026
Last Modified:
2/07/2026
Description
OPEN HOUSE CANCELLED |
CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS
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.
More Information MLS# 784323
Listing Info, Tax and Legal
Homestead: Yes
HOA Fee: Yes
HOA Amount: 830.59
HOA Frequency: Quarterly
HOA Annual Amount: 3322.36
New Buyer Fee: Yes
New Buyer Fee Amt: 1
New Buyer Fee Paid: %
Last Taxes: 5825
Last Tax Year: 2025
Brokerage Interest: No Interest
Contract Info
List Price/SqFt: 345.7
Status: Under Contract – Taking Backups
List Date: 2026-01-28
List Price: $1,295,000
Current Price: $1,295,000
Location
Sub Area: 0411 – Bay North – West Bay
Community/Resort: None
Waterfront: No
Elementary School: West Bay
Middle School: Surfside
High School: Arnold
Directions: Turn left after crossing the gate, then keep on left, house will be on the end of the driveway
Area: 04 – Bay County – North
Street #: 6406
Street Name: River Bluff
Street Suffix: Trail
State: FL
Zip Code: 32413
County: Bay
Subdivision: Rivercamps On Crooked Creek
Parcel ID: 32611-503-000
Legal Description: RIVERCAMPS ON CROOKED CREEK UNIT 1 LOT 3 ORB 3799 P 108
General Property Info
Acreage: 0.81
Design: Craftsman Style
Lot Size (SqFt): 35501
Apx SqFt(Htd/Cooled): 3746
Construction Status: Construction Complete
SqFt Source: Prop App Site
# of Stories in Building: 1
Lot Dimensions: Irregular
New Construction: No
Garage Y/N: Yes
Garage Spaces: 3
Covered Spaces: 1
Pool: Yes
Pool Type: Community
Sub-Type: Detached Single Family
Bedrooms: 6
Full Baths: 5
Total Baths: 5
Year Built: 2019
Remarks & Misc
Remarks: OPEN HOUSE CANCELLED |
CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERS
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.
Dining Room
First: 1
Foyer
First: 1
Laundry
First: 1
Master Bathroom
First: 1
Pool Features
Inground: 1
Pool House: 1
Appliances
Dishwasher: 1
Disposal: 1
Range Hood: 1
Refrigerator: 1
Water Heater – Electric: 1
Water Heater – Tankless: 1
Interior Features
Floor – Vinyl Plank: 1
Guest Quarters: 1
Pantry: 1
Split Bedroom: 1
Window – Treatment All: 1
Construction/Siding
Foundation – Slab on Grade: 1
Wood/Frame: 1
Roof – Metal: 1
Siding – Hardie Board: 1
Trim – Hardie Board: 1
Exterior
Double Pane Windows: 1
Fire Pit: 1
Porch Screened: 1
Association Fees Include
BBQ Pit/Grill: 1
Boat Launch: 1
Boat Slip Usage: 1
Fishing: 1
Gated Community: 1
Ground Keeping: 1
Management: 1
Master Association: 1
Pavilion/Gazebo: 1
Picnic Area: 1
Pool: 1
Financing
Cash: 1
Conventional: 1
VA: 1
Furnished
Negotiable: 1
Kitchen
First: 1
Living Room
First: 1
Lot Features
Covenants & Rescrictions: 1
Easements: 1
Subdivision – Recorded: 1
Survey Available: 1
Within 1/2 Mile to Water: 1
Lot Access
Comm/Own/Maint: 1
Gravel/Oyster Shell: 1
Parking Features
Additional Parking: 1
Carport Attached: 1
Garage Attached: 1
Garage Door Opener: 1
Mstr Bath / Mstr Bdrm
MBath Double Vanity: 1
MBath Shower Only: 1
MBath Walk-In Closet: 1
MBed First Floor: 1
Present Zoning
Resid Single Family: 1
Association Amenities
BBQ Pit/Grill: 1
Boat Launch: 1
Community Room: 1
Dock: 1
Fishing: 1
Gated Community: 1
Picnic Area: 1
Playground: 1
Pool: 1
Security-24 hour: 1
Waterfront: 1
Boat Slip: 1
Recreation Facilities: 1
Other – See Remarks: 1
Rooms
Bedroom: 1
Dining Room: 1
Foyer: 1
Full Bathroom: 1
Kitchen: 1
Laundry: 1
Living Room: 1
Master Bathroom: 1
Master Bedroom: 1
Showing
ShowingTime: 1
Utilities
TV Cable: 1
Electricity – Connected: 1
Garbage: 1
Propane: 1
Phone – Connected: 1
Public Sewer – Connected: 1
Public Water – Connected: 1
Underground Utilities: 1
Full Bathroom
First: 1
Master Bedroom
First: 1
Bedroom
First: 1
Cooling
Central Air: 1
Electric: 1
Heating
Central: 1
Electric: 1
Security Features
Gated Community: 1
Security Gate: 1
Status Change Info
Under Contract Date: 2026-02-04
Property Features
Appliances: Dishwasher; Disposal; Range Hood; Refrigerator; Water Heater – Electric; Water Heater – Tankless
Full Bathroom: First
Master Bedroom: First
Bedroom: First
Cooling: Central Air; Electric
Heating: Central; Electric
Exterior: Double Pane Windows; Fire Pit; Porch Screened
Association Fees Include: BBQ Pit/Grill; Boat Launch; Boat Slip Usage; Fishing; Gated Community; Ground Keeping; Management; Master Association; Pavilion/Gazebo; Picnic Area; Pool
Financing: Cash; Conventional; VA
Furnished: Negotiable
Kitchen: First
Living Room: First
Lot Features: Covenants & Rescrictions; Easements; Subdivision – Recorded; Survey Available; Within 1/2 Mile to Water
Lot Access: Comm/Own/Maint; Gravel/Oyster Shell
Master Bathroom: First
Dining Room: First
Foyer: First
Laundry: First
Pool Features: Inground; Pool House
Security Features: Gated Community; Security Gate
Parking Features: Additional Parking; Carport Attached; Garage Attached; Garage Door Opener
Association Amenities: BBQ Pit/Grill; Boat Launch; Boat Slip; Community Room; Dock; Fishing; Gated Community; Picnic Area; Playground; Pool; Recreation Facilities; Security-24 hour; Waterfront; Other – See Remarks
Rooms: Bedroom; Dining Room; Foyer; Full Bathroom; Kitchen; Laundry; Living Room; Master Bathroom; Master Bedroom
Showing: ShowingTime
Utilities: TV Cable; Electricity – Connected; Garbage; Phone – Connected; Propane; Public Sewer – Connected; Public Water – Connected; Underground Utilities
Present Zoning: Resid Single Family
Room Information
Foyer
Level: First
Dimensions: 5 x 10.1
Length: 5.00
Width: 10.10
Dimensions: 5 x 10.1
Remarks: Main
Dining Room
Level: First
Dimensions: 11.8 x 12.1
Length: 11.80
Width: 12.10
Dimensions: 11.8 x 12.1
Remarks: Main
Kitchen
Level: First
Dimensions: 7.8 x 14.4
Length: 7.80
Width: 14.40
Dimensions: 7.8 x 14.4
Remarks: Main
Living Room
Level: First
Dimensions: 20.1 x 17.2
Length: 20.10
Width: 17.20
Dimensions: 20.1 x 17.2
Remarks: Main
Bedroom
Level: First
Dimensions: 11.6 x 16.1
Length: 11.60
Width: 16.10
Dimensions: 11.6 x 16.1
Remarks: Main
Full Bathroom
Level: First
Dimensions: 5.6 x 6.7
Length: 5.60
Width: 6.70
Dimensions: 5.6 x 6.7
Remarks: J&J – Main
Bedroom
Level: First
Dimensions: 11.2 x 16.2
Length: 11.20
Width: 16.20
Dimensions: 11.2 x 16.2
Remarks: Main
Bedroom
Level: First
Dimensions: 11.2 x 14.1
Length: 11.20
Width: 14.10
Dimensions: 11.2 x 14.1
Remarks: Main
Full Bathroom
Level: First
Dimensions: 5.6 x 10.9
Length: 5.60
Width: 10.90
Dimensions: 5.6 x 10.9
Remarks: Main
Master Bedroom
Level: First
Dimensions: 17.9 x 17
Length: 17.90
Width: 17.00
Dimensions: 17.9 x 17
Remarks: main
Master Bathroom
Level: First
Dimensions: 18.7 x 11.5
Length: 18.70
Width: 11.50
Dimensions: 18.7 x 11.5
Remarks: Main
Laundry
Level: First
Dimensions: 6.2 x 8.7
Length: 6.20
Width: 8.70
Dimensions: 6.2 x 8.7
Remarks: Main
Living Room
Level: First
Dimensions: 15.5 x 17.6
Length: 15.50
Width: 17.60
Dimensions: 15.5 x 17.6
Remarks: Guest
Kitchen
Level: First
Dimensions: 10.5 x 14.1
Length: 10.50
Width: 14.10
Dimensions: 10.5 x 14.1
Remarks: Guest
Dining Room
Level: First
Dimensions: 16.7 x 7.1
Length: 16.70
Width: 7.10
Dimensions: 16.7 x 7.1
Remarks: Guest
Master Bedroom
Level: First
Dimensions: 14.1 x 12.3
Length: 14.10
Width: 12.30
Dimensions: 14.1 x 12.3
Remarks: Guest
Master Bathroom
Level: First
Dimensions: 5.1 x 10
Length: 5.10
Width: 10.00
Dimensions: 5.1 x 10
Remarks: Guest
Bedroom
Level: First
Dimensions: 12.9 x 12.3
Length: 12.90
Width: 12.30
Dimensions: 12.9 x 12.3
Remarks: Guest
Full Bathroom
Level: First
Dimensions: 8.9 x 5.9
Length: 8.90
Width: 5.90
Dimensions: 8.9 x 5.9
Remarks: Guest
Laundry
Level: First
Dimensions: 8.4 x 5.3
Length: 8.40
Width: 5.30
Dimensions: 8.4 x 5.3
Remarks: Guest
Listing Office:
Coldwell Banker Realty
Last Updated: February – 07 – 2026
Information deemed reliable but not guaranteed.