$350,000

92 Howell Bluff Rd Ponce de Leon, FL 32455

Estimated payment $1,965/month

3 Beds
2 Baths
2,278 Sq Ft
$154 Price per Sq Ft

Highlights

  • Parking available for a boat
  • Primary Bedroom Suite
  • 3.82 Acre Lot
  • Freeport Middle School Rated A-
  • River View
  • Enclosed Patio or Porch

About This Home

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.

Listing Agent

Terri Anderson

Gulf Life Real Estate Inc License #3485583 Listed on: 06/18/2026

Gulf Life Real Estate Inc

Property Details

Home Type

  • Multi-Family

Est. Annual Taxes

  • $937

Year Built

  • Built in 1961

Lot Details

  • 3.82 Acre Lot
  • River Front
  • Additional Land

Home Design

  • Property Attached
  • Brick Exterior Construction
  • Metal Roof

Interior Spaces

  • 2,278 Sq Ft Home
  • 1-Story Property
  • Fireplace
  • River Views

Kitchen

  • Breakfast Bar
  • Dishwasher
  • Kitchen Island

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Primary Bedroom Suite
  • 2 Full Bathrooms
  • Dual Vanity Sinks in Primary Bathroom

Parking

  • Detached Carport Space
  • Oversized Parking
  • Parking available for a boat

Outdoor Features

  • Enclosed Patio or Porch

Schools

  • Freeport Elementary And Middle School
  • Freeport High School

Utilities

  • Central Heating and Cooling System
  • Well
  • Septic Tank

Community Details

  • Howell Bluff Subdivision

Listing and Financial Details

  • Assessor Parcel Number 36-1N-17-04000-031-0010

Property Details

Home Type

Multi-Family

Est. Annual Taxes

$937

Year Built

Built in 1961

Lot Details

3.82 Acres

Listing Details

  • Property Sub Type: Attached Single Unit
  • Prop. Type: Residential
  • Lot Size Acres: 3.82
  • Road Surface Type: Paved
  • Subdivision Name: Howell Bluff
  • Directions: Follow Highway 20 East through Bruce and Hwy 81, continue east to the foot of the Choctawhatchee River Bridge. Boat Ramp Rd/Big Cedar Rd and Cowford Landing are located on the south side of Hwy 20, Howell Bluff is on the north side. Left on Howell Bluff Rd
  • Architectural Style: Ranch
  • Carport Y N: Yes
  • New Construction: No
  • Building Stories: 1
  • Year Built: 1961
  • Utilities Electric: Yes
  • Appliances Refrigerators: Yes
  • Energy:AC - Central Elect: Yes
  • Energy:Heat Cntrl Electric: Yes
  • Utilities:Septic Tank: Yes
  • Utilities:Private Well: Yes
  • Rooms:Covered Porch: Yes
  • Utilities:Gas - Natural: Yes
  • Waterview:River2: Yes
  • Waterfront:River: Yes
  • Special Features: None
  • Stories: 1

Interior Features

  • Appliances: Dishwasher, Refrigerator
  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Interior Amenities: Breakfast Bar, Fireplace, Kitchen Island
  • Master Bedroom:First: Yes
  • Appliances Dishwasher: Yes
  • Interior:Breakfast Bar: Yes
  • Mstr BdrmMstr Bath:MBath Double Vanity: Yes
  • Interior:Kitchen Island: Yes
  • Interior:Fireplace: Yes

Exterior Features

  • Lot Features: Addl Land Available, Within 1/2 Mile to Water
  • View: River
  • Waterfront Features: River
  • Waterfront: Yes
  • Construction Type: Brick
  • Patio And Porch Features: Patio Enclosed
  • Property Condition: Renovated, Construction Complete
  • Lot Features:Within 12 Mile to Water: Yes
  • Construction Status:Construction Complete: Yes
  • ConstructionSiding:Roof Metal: Yes
  • Lot Features:Addl Land Available: Yes
  • ConstructionSiding:Brick: Yes
  • Exterior:Patio Enclosed: Yes

Garage/Parking

  • Attached Garage: No
  • Parking Features: Boat, Carport Detached, Oversized
  • General Property Info:Garage2: No
  • Parking Features:Oversized: Yes
  • Parking Features:Boat: Yes
  • Parking Features:Carport Detached: Yes

Utilities

  • Cooling: Central Air
  • Cooling Y N: Yes
  • Heating: Central
  • Heating Yn: Yes
  • Sewer: Septic Tank
  • Utilities: Electric, Gas - Natural
  • Water Source: Well

Schools

  • Elementary School: Freeport
  • High School: Freeport
  • Middle Or Junior School: Freeport

Lot Info

  • Lot Size Sq Ft: 166399.2
  • Parcel #: 36-1N-17-04000-031-0010
  • Zoning: Resid Single Family

Tax Info

  • Tax Annual Amount: 937.4
  • Tax Year: 2025

Map

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $937 $115,723 $45,840 $69,883
2024 $747 $84,730 $10,926 $73,804
2023 $747 $76,675 $0 $0
2022 $718 $80,652 $12,128 $68,524
2021 $643 $63,572 $10,006 $53,566
2020 $607 $57,607 $8,640 $48,967
2019 $620 $59,390 $8,640 $50,750
2018 $75 $39,409 $0 $0
2017 $75 $38,598 $0 $0
2016 $75 $37,804 $0 $0
2015 -- $36,747 $0 $0
2014 -- $36,455 $0 $0
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft Prior Sale
06/18/2026 06/18/26 For Sale $350,000 +24.3% $154 / Sq Ft
06/05/2026 06/05/26 Sold $281,600 -19.5% $124 / Sq Ft View Prior Sale
05/06/2026 05/06/26 Pending -- -- --
04/08/2026 04/08/26 For Sale $349,950 -- $154 / Sq Ft
Source: Emerald Coast Association of REALTORS®

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Warranty Deed $100,000 None Listed On Document
Warranty Deed $100,000 None Listed On Document
Warranty Deed $50,000 None Listed On Document
Warranty Deed $50,000 None Listed On Document
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Open $75,000 New Conventional
Closed $75,000 New Conventional
Source: Public Records

Source: Emerald Coast Association of REALTORS®

MLS Number: 1005753

Emerald Coast Association of REALTORS®

APN: 36-1N-17-04000-031-0010

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