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$375,000 -$19,000 (-4.82%) Price Reduced

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 1 Full Bath
  • 1 Partial Bath
  • 2,278 Sq. Ft.
  • Updated 3 days ago
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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.

Full Property Details for 92 Howell Bluff Rd

General

  • Price: $375,000
  • Taxes: $937 (2025)
  • Status: Active
  • Type: Single Family
  • Source: Emerald_Coast
  • MLS ID: 991371
  • Updated: 1/12/2026
  • Added to Site: 30 day(s) ago

Interior

  • Rooms/Areas: Bedroom, Covered Porch, Full Bathroom, Master Bedroom
  • Interior Features: Breakfast Bar, Fireplace, Kitchen Island
  • Appliances: Dishwasher, Refrigerator

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 1
  • Half Bathrooms: 1

Bedrooms

  • Total Bedrooms: 3

Other Rooms

  • Porch: Covered Porch

Exterior

  • Exterior Features: Patio Enclosed

Parking

  • Carports: Yes
  • Parking: Boat, Carport Detached, Detached, Oversized, RV

Location

  • Area: 23 - North Walton County
  • County: Walton
  • Subdivision: Howell Bluff
  • Driving 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

School Information

  • Elementary School: Freeport
  • Middle School: Freeport
  • High School: Freeport

Heating & Cooling

  • Heating/Cooling: AC - Central Elect, Heat Cntrl Electric

Utilities

  • Utility Description: Electric, Gas - Natural, Private Well, Septic Tank

Structural Information

  • Architectural Style: Ranch
  • Construction: Brick, Roof Metal
  • Stories/Levels: 1
  • Square Feet: 2,278
  • Sq. Ft. Source: County PA Records
  • Year Built: 1961

Lot Features

  • Property View: River
  • Lot Size (Acres): 3.82
  • Lot Dimensions: 470 x 1000 x 42 x 680 x 370 x 125
  • Street/Road Desc.: Paved Road
  • Lot Features: Within 1/2 Mile to Water, Wooded
  • Zoning: Resid Single Family

Water Features

  • Water Front Type: River

Financial Considerations

  • Tax Amount: $937
  • Tax Year: 2025

Disclosures and Reports

  • Legal Description: COM NE/C OF NE1/4 OF NW1/4 GOVT LOT 4 S 00 DEG 40 MIN 12 SEC W 639.80 FT FOR POB CONT S 00 DEG 40 MIN 12 SEC W 680.31 FT S 89 DEG 56 MIN 20 SEC W 352.91 FT TO EDGE OF PUBLIC RD NELY ALONG RD 770 FT TO POB OR 93-341 ALSO COM NW/C NE4, S 03 DEG 90'58''W 1289.89 FT TO POB, S 88 DEG 19 MIN 25 SEC E 483.78 FT TO RIVER BANK, SOUTH ALONG BANK 30 FT, N 88 DEG 19 MIN 25 SEC W 484.43 FT, N 03 DEG 09 MIN 58
  • APN: 36-1N-17-04000-031-0010

Listed by Salty Marlin Realty

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Listing agent

— 92 Howell Bluff Rd —

  • Salty Marlin Realty

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 92 Howell Bluff Rd

School District:Walton County School District
NameGradesDistance
Freeport Elementary School
15381 U.S. 331, Freeport, FL 32439
PK-513.4 mi
Freeport Middle School
360 Kylea Laird Drive, Freeport, FL 32439
6-814.3 mi
Freeport Senior High School
12615 U.S. 331, Freeport, FL 32439
9-1214.2 mi
Disclaimer: School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 92 Howell Bluff Rd Get Price Alerts and Save Property

Date
Details
Price
Change
Source
1/12/2026
Price Reduced
$375,000
-4.82%
MLS
1/02/2026
Price Reduced
$394,000
-1.25%
MLS
12/16/2025
Listed
$399,000
299%
MLS
9/04/2025
Sold
$100,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 92 Howell Bluff Rd

Year
Property Taxes
Change
Tax Assessment
Change
2024
$781
—
$115,723
37%
2024
$781
5%
$84,730
—
2023
$747
16%
$84,730
33%
2021
$643
-10%
$63,572
-21%
2022
$718
12%
$80,652
40%
2021
$643
4%
$57,607
-3%
2019
$620
727%
$59,390
51%
2018
$75
—
$39,409
2%
2016
$75
—
$38,598
2%
2016
$75
—
$37,804
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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*These costs are estimates, and the interest rates assume exceptional credit standing.

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with our affiliated lender
NMLS#: 1598647

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Listed by Salty Marlin Realty

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92 Howell Bluff Road, Ponce de Leon, FL 32455 (MLS# 991371) is a Single Family property with 3 bedrooms, 1 full bathroom and 1 partial bathroom. 92 Howell Bluff Road is currently listed for $375,000 and was received on December 16, 2025. Want to learn more about 92 Howell Bluff Road? Do you have questions about finding other Single Family real estate for sale in Ponce de Leon? You can browse all Ponce de Leon real estate or contact a Coldwell Banker agent to request more information.

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