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Harrison Lilly

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

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92 Howell Bluff Rd , Ponce De Leon, FL 32455
$350,000
Est. Payment: $1,774.95/mo
3 Bed
2 Bath
2278 Sqft
Status: active | Days on site: 48
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Riverfront property with just over 4 acres, no HOA, and plenty of room for boats, RVs, equipment, and outdoor recreation. Located near the Choctawhatchee River Bridge and public boat ramps, this property offers the space and flexibility that's becoming increasingly difficult to find. This 3-bedroom, 2-bath brick home offers 2,278 square feet with a spacious floor plan, updated kitchen, large living area with fireplace, and an enclosed sunroom overlooking the property. The kitchen features custom cabinetry, stainless steel appliances, a gas range, and center island. The primary suite includes a walk-in closet and updated bath with double vanities. Outside, you'll find multiple outbuildings, workshop space, storage buildings, oversized covered parking for boats and RVs, and plenty of room for hobbies, projects, and recreational equipment. A private well, septic system, natural gas, metal roof, and abundant parking add to the property's appeal. An additional parcel (36-1N-17-04040-00B-0050) containing approximately 0.247 acres is included in the sale, bringing the total acreage to approximately 4.07 acres. Whether you're looking for a full-time residence, weekend retreat, or a property with room to spread out and enjoy the outdoors, this unique property offers endless possibilities.

Highlights

Listed by Terry Anderson , 615-653-0317 Gulf Life Real Estate Inc , 850-366-8525. Emerald Coast Multiple Listing Services

Property Type

Residential

Lot/Acreage
3.82

Year Built

1961

County

Walton

Area

20 - Freeport

Neighborhood

Howell Bluff

Listing ID

1005753

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Dishwasher, Refrigerator
Air Cond:Central Air
Fireplaces:
Other:
  • Additional:Breakfast Bar, Fireplace, Kitchen Island
Water:Well

Exterior Features

Lot:Addl Land Available,Within 1/2 Mile to Water,River
Lot Dimensions:3.82
Zoning:Resid Single Family
Others:
  • Additional:Patio Enclosed
Sewer:Septic Tank
Parking Features:Boat,Carport Detached,Oversized
Principal Interest
$1,775
Taxes
$78

Home Price

$350,000

Loan Details

30 yrs
6.528%

Down Payment

20%
$70,000
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:
$1,774.95

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,774.95 $78.12 $0.00 $1,853.07
Yearly $21,299.40 $937.40 $0.00 $22,236.80
Total $638,981.85 $28,122.00 $0.00 $667,103.85

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

6%

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Market insight data is pulled from the same city as the listing being viewed (Ponce De Leon, 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

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