6406 River Bluff Trail, Panama City Beach, FL 32413 (MLS# 784323)

6406 River Bluff Trail, Panama City Beach, FL 32413

$1,220,000

Virtual Tour

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Rivercamps On Crooked Creek- AWP Media 0

rivercamps on crooked creek drone- awp m

Property Type: Residential Bedrooms: 6 Baths: 5 Square Footage: 3,746 Lot Size (sq. ft.): 35,501 Status: Sold

Current Price: $1,220,000 List Date: 1/28/2026 Last Modified: 3/16/2026

Overview

Description

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, an … (Read more) 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.

Listing Details MLS# 784323

Contract Info

List Price/SqFt: 345.7

Location

Area: 04 – Bay County – North
Street #: 6406
Street Name: River Bluff
Street Suffix: Trail
State: FL
Zip Code: 32413
County: Bay
Sub Area: 0411 – Bay North – West Bay
Subdivision: Rivercamps On Crooked Creek
Community/Resort: None
Waterfront: No
Parcel ID: 32611-503-000
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
Legal Description: RIVERCAMPS ON CROOKED CREEK UNIT 1 LOT 3 ORB 3799 P 108

General Property Info

Sub-Type: Detached Single Family
Design: Craftsman Style
Apx SqFt(Htd/Cooled): 3746
SqFt Source: Prop App Site
Full Baths: 5
Total Baths: 5
# of Stories in Building: Yes
Year Built: 2019
Construction Status: Construction Complete
New Construction: No
Garage Y/N: Yes
Garage Spaces: 3
Covered Spaces: Yes
Lot Dimensions: Irregular
Acreage: 0.81
Lot Size (SqFt): 35501
Pool: Yes
Pool Type: Community

Status Change Info

Under Contract Date: 2026-02-04
Sold Date: 2026-03-16
Sold Price/SqFt: 325.68
Sold Price/Acre: 1506172.84

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

Remarks & Misc

Remarks: 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

Dining Room

First: Yes

Foyer

First: Yes

Laundry

First: Yes

Master Bathroom

First: Yes

Pool Features

Inground: Yes
Pool House: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Range Hood: Yes
Refrigerator: Yes
Water Heater – Electric: Yes
Water Heater – Tankless: Yes

Interior Features

Floor – Vinyl Plank: Yes
Guest Quarters: Yes
Pantry: Yes
Split Bedroom: Yes
Window – Treatment All: Yes

Construction/Siding

Foundation – Slab on Grade: Yes
Wood/Frame: Yes
Roof – Metal: Yes
Siding – Hardie Board: Yes
Trim – Hardie Board: Yes

Exterior

Double Pane Windows: Yes
Fire Pit: Yes
Porch Screened: Yes

Association Fees Include

BBQ Pit/Grill: Yes
Boat Launch: Yes
Boat Slip Usage: Yes
Fishing: Yes
Gated Community: Yes
Ground Keeping: Yes
Management: Yes
Master Association: Yes
Pavilion/Gazebo: Yes
Picnic Area: Yes
Pool: Yes

Financing

Cash: Yes
Conventional: Yes
VA: Yes

Furnished

Negotiable: Yes

Kitchen

First: Yes

Living Room

First: Yes

Lot Features

Covenants & Rescrictions: Yes
Easements: Yes
Subdivision – Recorded: Yes
Survey Available: Yes
Within 1/2 Mile to Water: Yes

Lot Access

Comm/Own/Maint: Yes
Gravel/Oyster Shell: Yes

Parking Features

Additional Parking: Yes
Carport Attached: Yes
Garage Attached: Yes
Garage Door Opener: Yes

Mstr Bath / Mstr Bdrm

MBath Double Vanity: Yes
MBath Shower Only: Yes
MBath Walk-In Closet: Yes
MBed First Floor: Yes

Present Zoning

Resid Single Family: Yes

Association Amenities

BBQ Pit/Grill: Yes
Boat Launch: Yes
Community Room: Yes
Dock: Yes
Fishing: Yes
Gated Community: Yes
Picnic Area: Yes
Playground: Yes
Pool: Yes
Security-24 hour: Yes
Waterfront: Yes
Boat Slip: Yes
Recreation Facilities: Yes
Other – See Remarks: Yes

Rooms

Bedroom: Yes
Dining Room: Yes
Foyer: Yes
Full Bathroom: Yes
Kitchen: Yes
Laundry: Yes
Living Room: Yes
Master Bathroom: Yes
Master Bedroom: Yes

Showing

ShowingTime: Yes

Utilities

TV Cable: Yes
Electricity – Connected: Yes
Garbage: Yes
Propane: Yes
Phone – Connected: Yes
Public Sewer – Connected: Yes
Public Water – Connected: Yes
Underground Utilities: Yes

Full Bathroom

First: Yes

Master Bedroom

First: Yes

Bedroom

First: Yes

Cooling

Central Air: Yes
Electric: Yes

Heating

Central: Yes
Electric: Yes

Security Features

Gated Community: Yes
Security Gate: Yes

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

Room Name	Level	Dimensions	Length	Width	Remarks
Foyer	First	5 x 10.1	5.00	10.10	Main
Dining Room	First	11.8 x 12.1	11.80	12.10	Main
Kitchen	First	7.8 x 14.4	7.80	14.40	Main
Living Room	First	20.1 x 17.2	20.10	17.20	Main
Bedroom	First	11.6 x 16.1	11.60	16.10	Main
Full Bathroom	First	5.6 x 6.7	5.60	6.70	J&J – Main
Bedroom	First	11.2 x 16.2	11.20	16.20	Main
Bedroom	First	11.2 x 14.1	11.20	14.10	Main
Full Bathroom	First	5.6 x 10.9	5.60	10.90	Main
Master Bedroom	First	17.9 x 17	17.90	17.00	main
Master Bathroom	First	18.7 x 11.5	18.70	11.50	Main
Laundry	First	6.2 x 8.7	6.20	8.70	Main
Living Room	First	15.5 x 17.6	15.50	17.60	Guest
Kitchen	First	10.5 x 14.1	10.50	14.10	Guest
Dining Room	First	16.7 x 7.1	16.70	7.10	Guest
Master Bedroom	First	14.1 x 12.3	14.10	12.30	Guest
Master Bathroom	First	5.1 x 10	5.10	10.00	Guest
Bedroom	First	12.9 x 12.3	12.90	12.30	Guest
Full Bathroom	First	8.9 x 5.9	8.90	5.90	Guest
Laundry	First	8.4 x 5.3	8.40	5.30	Guest

Listing Office: Coldwell Banker Realty

Last Updated: March – 16 – 2026

Information deemed reliable but not guaranteed.