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MLS# 784323

Status: Under Contract - Taking Backups
6406 River Bluff Trail
Panama City Beach, FL 32413
$1295000.00

Beds Total: 6
Bathrooms: 5.00
Baths Full: 5
Sq Ft Total: 3746.00
Acres: 0.81
Year Built: 2019
Garage Description: 3.00
On Waterfront: No
(850) 771-7731


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OPEN HOUSE CANCELLED | CURRENTLY UNDER CONTRACT, SELLER WILL CONSIDER BACKUP OFFERSGROUND-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.

Additional Features

List Date:2026-01-28
Full Baths:5
Waterfront:No
Sub Area:0411 - Bay North - West Bay
Community/Resort:None
Parcel ID:32611-503-000
Elementary School:West Bay
Middle School:Surfside
High School:Arnold
Appliances:Dishwasher,Disposal,Range Hood,Refrigerator,Water Heater - Electric,Water Heater - Tankless
HOA Frequency:Quarterly
HOA Amount:830.59
HOA Fee:Yes
Cumulative DOM:7
Days On Market:7
Last Taxes:5825.00
Last Tax Year:2025
Utilities:Cable - Connected,Electricity - Connected,Garbage,Phone - Connected,Propane,Public Sewer - Connected,Public Water - Connected,Underground Utilities
Project Facilities:BBQ Pit/Grill,Boat Launch,Boat Slip,Community Room,Dock,Fishing,Gated,Other - See Remarks,Picnic Area,Playground,Pool,Recreation Facilities,Security,Waterfront
Present Zoning:Resid Single Family
Exterior:Double Pane Windows,Fire Pit,Porch - Screened
Lot Features:Covenants & Rescrictions,Easements,Subdivision - Recorded,Survey Available,Within 1/2 Mile to Water
Fees Include:BBQ Pit/Grill,Boat Launch,Boat Slip Usage,Fishing,Gated,Maintenance Grounds,Management,Master Association,Pavilion/Gazebo,Picnic Area,Pool
Construction/Siding:Foundation - Slab on Grade,Frame - Wood,Roof - Metal,Siding - Hardie Board,Trim - Hardie Board
UnBranded Virtual Tour:Virtual Tour