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For sale
  • Price cut: $5K (1/2)
    $394,000

    92 Howell Bluff Rd, Bruce, FL 32455

    3beds
    2,278sqft
    : 
    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
    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.
    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#: 781732MLS LogoOriginating MLS: Central Panhandle Association of REALTORS

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    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
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    Estimated market value

    $380,100

    $361,000 - $399,000

    $2,574/mo

    Price history

    Price history
    DateEventPrice
    1/2/2026Price change$394,000-1.3%$173/sqft
    Source: CPAR #781732 Report a problem
    12/1/2025Price change$399,000-5%$175/sqft
    Source: CPAR #781732 Report a problem
    11/17/2025Listed for sale$420,000$184/sqft
    Source: CPAR #781732 Report a problem

    Public tax history

    Public tax history
    YearProperty taxesTax 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

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