Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

Agent profile image in message

6408 River Bluff Trl , Panama City Beach, FL 32413
$1,100,000
Est. Payment: $5,578.41/mo
4 Bed
5 Bath
3384 Sqft
Status: active | Days on site: 53
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

GENERATIONAL LIVING!! 6408 River Bluff Trail is a custom built home that offers elegant single-story living in the prominent community of RiverCamps on Crooked Creek. This home offers a spacious 3,384 square feet of heated and cooled living space. Included in this square footage is a guest house for multi generational living, a bonus room above garage that includes a half bath, and a four Seasons room that is perfect for watching wildlife. The main living space includes 2,079 square feet. Ceramic Tile floors are found throughout main living area, kitchen, bedrooms, and bathrooms. Bullnose-Edge Quartz countertops, and oversized kitchen island are found in the modern kitchen. A gorgeous wood burning fireplace with 100 year old hard pine mantel sits at the focus of the living room. This home boasts 8 foot entry and closet doors in the main living space. And features 10 foot ceilings throughout with cathedral ceiling in living room and kitchen. It also offers oversized two car garage with 10 foot ceilings and 8 foot entry doors. As well as 220 power in garage. There are two master suites in main living space. The primary master bathroom features a claw foot tub, and curb less walk in shower. A new HVAC was installed in main house in December 2025. The Four Seasons Room is adorned with full wall windows that are perfect for watching the neighborhood wildlife. It also features LVP flooring, and a Mini Split HVAC system.This home truly provides a rare opportunity with the inclusion of the guest house. The guest house which was built in 2022 features a master bedroom, and master bathroom with a curb less walk in shower. It also includes a living area and kitchen. Other key features include a dedicated car port, and screened in porch. This homesite offers usable outdoor space that includes a fire pit, and an outdoor shower. RiverCamps on Crooked Creek is a Certified Nature Preserve Community. The community offers resort style amenities. Amenities include gated access, a future river house, newly built community pool, boardwalks and trails, kayak and paddle boards, fitness center currently being built, as well as community boat ramp, and boat storage for residents. The home is within walking distance to additional boat dock on crooked creek. RiverCamps is in close proximity to many local businesses's. It is only 10 miles from Pier Park and the famous white sandy beaches. It's also 2 and a half miles from NW Florida Beaches International Airport. 3 and a half miles from Publix, to be opening soon. And approximately 5 miles to new hospital, to be opening in 2028. Furnishings are negotiable. Measurements approximate. All information is deemed reliable, but not guaranteed. Buyer to verify if important.

Highlights

Listed by Cayla C Clinger , 317-605-4917 Inlet Beach Real Estate , 850-347-0777. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
0.82

HOA Fee

Year Built

2018

County

Bay

Area

27 - Bay County

Neighborhood

Rivercamps On Crooked Creek Ph 2

Listing ID

1005620

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Microwave, Refrigerator W/IceMk, Stove/Oven Electric, Water Heater - Elect
Air Cond:Central Air
Fireplaces:
Floor:Floor Tile,Floor Vinyl
Other:
  • Additional:Kitchen Island, Pantry, Washer/Dryer Hookup

Exterior Features

Lot:Covenants,Within 1/2 Mile to Water
Lot Dimensions:Irregular
Zoning:Resid Single Family
Others:
  • Additional:Separate Living Area, Sprinkler System, Porch, Porch Screened
Sewer:Public Sewer
Parking Features:Carport Attached
Principal Interest
$5,578
Taxes
$342
HOA
$0

Home Price

$1,100,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$220,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$5,578.41

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,578.41 $341.58 $0.00 $5,920.00
Yearly $66,940.96 $4,099.00 $0.00 $71,039.96
Total $2,008,228.68 $122,970.00 $0.00 $2,131,198.68

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
Market insight data is pulled from the same city as the listing being viewed (Panama City Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Emerald Coast Multiple Listing Services, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:32:47.000Z

© 2026 Emerald Coast Multiple Listing Services