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$1,295,000
6 Days On Site

6406 River Bluff Trail
Panama City Beach, FL 32413

For Sale|Residential|Active
6
Beds
5
Total Baths
5
Full Baths
3,746
SqFt
$346
/SqFt
2019
Built
Subdivision:
Rivercamps On Crooked Creek
County:
Bay
Listing courtesy of Sean P Casilli of Coldwell Banker Realty
Call Now: (850) 296-7204
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(850) 296-7204
Upcoming Open Houses
Sat, Feb 7, 1:00 PM - 3:00 PM
6406 River Bluff Trail6406 River Bluff Trail6406 River Bluff Trail6406 River Bluff Trail
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Mortgage Calculator

Monthly Payment (Est.)

$5,908
Calculator powered by Showcase IDX, a Constellation1 Company. Copyright ©2026 Information is deemed reliable but not guaranteed.

GROUND-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.

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Listing Snapshot
Price 
$1,295,000
Days On Site 
6 Days
Bedrooms 
6
Inside Area (SqFt) 
3,746 sqft
Total Baths 
5
Full Baths 
5
Partial Baths 
N/A
Lot Size 
0.81 Acres
Year Built 
2019
MLS® Number 
784323
Status 
Active
Property Tax 
$5,825
HOA/Condo/Coop Fees 
N/A
Sq Ft Source 
Appraiser
Friends & Family
Recent Activity
7 days agoListing first seen on site
7 days agoListing updated with changes from the MLS®
General Features
Acres 
0.81
Garage 
Yes
Garage Spaces 
3
Levels 
One
Number Of Stories 
1
Parking 
Additional ParkingGarageGarage Door Opener
Security 
Security GateGated CommunitySecurity Service
Sewer 
Public Sewer
SqFt Total 
3746
Style 
Craftsman
Utilities 
Cable ConnectedElectricity AvailablePhone ConnectedUnderground Utilities
Zoning 
Resid Single Family
Interior Features
Appliances 
Electric Water HeaterTankless Water Heater
Cooling 
Central Air
Flooring 
Vinyl
Heating 
CentralElectric
Interior 
Entrance Foyer
Window Features 
Double Pane Windows
Bedroom 
Dimensions - 11.2 x 16.2Level - FirstDescription - Main
Dining Room 
Dimensions - 16.7 x 7.1Level - FirstDescription - Guest
Foyer 
Dimensions - 5 x 10.1Level - FirstDescription - Main
FullBath 
Dimensions - 5.6 x 6.7Level - FirstDescription - J&J - Main
Kitchen 
Dimensions - 10.5 x 14.1Level - FirstDescription - Guest
Laundry 
Dimensions - 8.4 x 5.3Level - FirstDescription - Guest
Living Room 
Dimensions - 20.1 x 17.2Level - FirstDescription - Main
PrimaryBathroom 
Dimensions - 18.7 x 11.5Level - FirstDescription - Main
PrimaryBedroom 
Dimensions - 14.1 x 12.3Level - FirstDescription - Guest
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Exterior Features
Construction Details 
HardiPlank TypeFrame
Exterior 
Fire Pit
Patio And Porch 
PorchScreened
Pool Features 
In GroundCommunity
Windows/Doors 
Double Pane Windows
Community Features
Association Amenities 
OtherGatedBarbecuePicnic AreaBoat Slip
Community Features 
PoolGatedClubhouseFishingPlaygroundPark
MLS Area 
04 - Bay County - North
Roads 
Gravel
Schools
School District
Unknown
Elementary School
West Bay
Middle School
Surfside
High School
Arnold
Listing courtesy of Sean P Casilli of Coldwell Banker Realty



Listing information is provided by Participants of the Central Panhandle Association of REALTORS MLS. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Copyright 2026, Central Panhandle Association of REALTORS MLS.
Last checked: 2026-02-04 10:08 AM UTC

Neighborhood & Commute
Source: Walkscore
Disclosure: Community information and market data powered by Constellation Data Labs. Information is deemed reliable but not guaranteed.
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