Discover peaceful riverfront living on nearly 4 acres with this beautifully updated brick home located just off Highway 20 at the Choctawhatchee River Bridge. Offering a rare combination of privacy, space, and convenience to nearby boat ramps, this property is ideal for anyone who loves the outdoors, working on projects, or simply enjoying a quiet, natural setting.
Step inside to find a fully renovated interior featuring an open layout, new flooring, stylish lighting, and a large living area centered around a brick fireplace. The kitchen includes custom cabinetry, a center island, gas range, and stainless-steel appliances. Both bathrooms have been updated, with the primary bath offering a double vanity and walk-in closet.
The expansive enclosed patio provides year-round enjoyment with floor-to-ceiling windows overlooking the wooded acreage. Multiple outbuildings, including a workshop, shed, and oversized RV/boat parking, create endless flexibility for storage, hobbies, and equipment. With direct river frontage and public boat ramps just minutes away, fishing, kayaking, and river exploring are all easily accessible.
Additional features include a metal roof, private well, septic, natural gas, and plenty of parking for vehicles, trailers, or recreational gear. Whether used as a full-time home or a weekend retreat, this property offers room to breathe and a setting that's hard to find.
For sale
Price cut: $5K (1/2)
$394,000
92 Howell Bluff Rd, Bruce, FL 32455
3beds
2,278sqft
Est.:
Single Family Residence
Built in 1961
3.82 Acres Lot
$380,100 Zestimate®
$173/sqft
$-- HOA
What's special
Stylish lightingCenter islandBeautifully updated brick homeFully renovated interiorMetal roofGas rangeOpen layout
- 49 days |
- 718 |
- 64 |
Zillow last checked: 8 hours ago
Listing updated: January 02, 2026 at 09:40am
Listed by:
The Wheeler Sauls Collective 850-527-2275,
Salty Marlin Realty LLC
Source: CPAR,MLS#: 781732
Originating MLS: Central Panhandle Association of REALTORS
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Rooms
- Room types: Bedroom, Primary Bedroom
Primary bedroom
- Level: First
- Dimensions: 11 x 14
Bedroom
- Level: First
- Dimensions: 10 x 13
Bedroom
- Level: First
- Dimensions: 10 x 11
Heating
- Central, Electric
Cooling
- Central Air
Appliances
- Included: Gas Range
Interior area
- Total structure area: 2,278
- Total interior livable area: 2,278 sqft
Property
Parking
- Parking features: Additional Parking, RV Access/Parking
Features
- Stories: 1
- Patio & porch: Enclosed, Patio
- Exterior features: Patio
Lot
- Size: 3.82 Acres
- Dimensions: 470 x 1000 x 42 x 680 x 370 x 125
- Features: Paved
Details
- Additional structures: RV/Boat Storage, Shed(s), Workshop
- Parcel number: 361N17040000310010
- Zoning description: Resid Single Family
- Special conditions: Listed As-Is
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Brick
Condition
- New construction: No
- Year built: 1961
Utilities & green energy
- Utilities for property: Electricity Available
Community & HOA
Community
- Security: Smoke Detector(s)
- Subdivision: Howell Bluff
HOA
- Has HOA: No
Location
- Region: Bruce
Financial & listing details
- Price per square foot: $173/sqft
- Tax assessed value: $84,730
- Annual tax amount: $781
- Date on market: 11/17/2025
- Cumulative days on market: 49 days
- Electric utility on property: Yes
Estimated market value
$380,100
$361,000 - $399,000
$2,574/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 1/2/2026 | Price change | $394,000-1.3%$173/sqft |
Source: | ||
| 12/1/2025 | Price change | $399,000-5%$175/sqft |
Source: | ||
| 11/17/2025 | Listed for sale | $420,000$184/sqft |
Source: | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $781 +4.6% | $84,343 +10% |
| 2023 | $747 +4% | $76,675 +10% |
| 2022 | $718 +11.8% | $69,705 +10% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$2,329/mo
Principal & interest
$1886
Property taxes
$305
Home insurance
$138
Climate risks
Neighborhood: 32455
Nearby schools
GreatSchools rating
- 6/10Freeport Elementary SchoolGrades: PK-4Distance: 13.4 mi
- 7/10Freeport Middle SchoolGrades: 5-8Distance: 14.3 mi
- 8/10Freeport Senior High SchoolGrades: 9-12Distance: 14.2 mi
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