6500 Ogeeche Trail, Panama City Beach, FL 32413
Sources: CPAR (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
6500 Ogeeche Trail in Rivercamps On Crooked Creek, Panama City Beach is listed at $1,330,000. It has been listed Jun 13, 2026. Listing facts: new construction, HOA dues of $277/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- New construction — built 2026
- listed Jun 13, 2026
- HOA $277/mo (per listing)
About this home
Imagine waking up in your modern, coastal organic new construction home in RiverCamps on a spacious 1.41-acre homesite. Tucked deep inside one of Panama City Beach's most coveted gated preserves, this brand-new 4-bedroom, 3.5-bath home, currently under construction by Guyson Construction, offers over 3,600 square feet of heated/cooled living space has been thoughtfully designed for the way you actually want to live, with room to gather yet still have the privacy you desire. Set on a generous 1.41-acre wooded homesite, this home offers a summer kitchen, Florida room, 3-car garage, gym storage and flex space.
The main level opens into a gallery room separating the primary suite retreat into a sprawling trayed ceiling great room, dining area, powder room, laundry room, mud room and a kitchen built for both everyday life and entertaining. You're going to love the walk-in pantry and the coffee bar in this home and also stepping outside to a 29' expansive screened porch overlooking the trees and the 16'x18' Florida room, your own private front-row seat to Florida's natural beauty. Love the indoor-outdoor experience?
Enjoy dinners outside year-round with your summer kitchen! The primary suite offers a true retreat, with vaulted ceilings, expansive walk-in closet, and a spa-style bath featuring a freestanding soaking tub and an 11' walk-in shower. Upstairs you'll find three additional bedrooms with two full baths and a loft area ideal for family or guests who desire their own space.
The ground floor adds even more versatility, with a flex room and dedicated gym/storage space offering endless possibilities: home gym, workshop, golf cart parking, or hobby space. And attached 3-car garage is perfect for keeping your golf cart under cover and keeping your vehicles and toys protected and ready to go. Outdoor living is front and center here, with a spacious 1.41-acre homesite perfect for evening gatherings under the trees, room for a future pool to add, if desired, and expansive outdoor living area and a layout designed to make the most of the lot's natural privacy buffer in RiverCamps.
Living in RiverCamps means trading rush hour for time on the water. This gated, 1,500-acre wildlife preserve community along Crooked Creek and West Bay in Northwest Florida is home to fewer than 450 homesites, with the majority of the land set aside for conservation. Residents enjoy access to the Riverhouse with a pool, fitness center, fireplace, games, and commercial-grade kitchen for hosting events, plus miles of walking and biking trails, complimentary boat storage, a community boat launch, private docks, a fishing area, remarkable playground, and pickleball and recreation courts.
Kayak the creek, cast a line, watch the sunset from the dock, or simply enjoy the quiet of a true nature sanctuary. RiverCamps is where living really begins! All of this sits just minutes from the sugar-white sand of Panama City Beach, Pier Park shopping and dining, and the Northwest Florida Beaches International Airport, giving you the best of both worlds: total seclusion when you want it, and total convenience when you need it.
Estimated completion for this stunning new construction home is late 2026. Schedule your private tour today of this new construction home and the community and watch your dream home come to life!
All 64 photos
Description provided by Corcoran Reverie and reproduced from the MLS; not independently verified.
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for Rivercamps On Crooked Creek. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $7,158/mo 80%
- Taxes $1,164/mo 13%
- Insurance $349/mo 4%
- HOA $277/mo 3%
$8,947/mo at 20% down, 30-yr @ 7.11% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 6500 Ogeeche Trail
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| HOA dues | $277/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Bay County is $1,928/yr (1,264 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $3,000–$6,000/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2026. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Bay County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Bay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 2026BuiltPer public record
- About Jun 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Jun 13, 2026)
- Aug 4, 2026First seen on our siteObserved at $1,330,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
The Momentum read
42% of homes in Rivercamps On Crooked Creek are owner-occupied. An estimated 58% are non-owner-occupied, including 11% held in a company or trust and 13% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 27 homes matched. Community-level context.
What’s unique here: one of only 11 active listings in Rivercamps On Crooked Creek, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Corcoran Reverie · MLS # 791494
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Similar homes for sale near Rivercamps On Crooked Creek
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Rivercamps On Crooked Creek
- 6625 Button Buck Trail, Panama City Beach, FL 32413 · $869,900 · 4 bd / 3 ba · listed November 11, 2026 (courtesy of Coldwell Banker Realty)
- 8539 Preservation Drive, Panama City Beach, FL 32413 · $619,000 · 3 bd / 4 ba · listed November 6, 2026 (courtesy of EXP Realty LLC)
- 7519 Sunset Bay Lane, Panama City Beach, FL 32413 · $1,549,000 · 3 bd / 4 ba · listed November 5, 2026 (courtesy of Coldwell Banker Realty)
Recently off market in Rivercamps On Crooked Creek
- 7507 Loons Call Lane · last listed $1,098,000 · 2026-11-13
- 6501 Golden Aster Trail · last listed $1,024,900 · 2026-10-24
- 6314 Turkey Cove Lane · last listed $1,225,000 · 2026-10-14
Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings
More on Rivercamps On Crooked Creek
Go deeper on Rivercamps On Crooked Creek
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Bay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
See schools in the Rivercamps On Crooked Creek guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →What homes sell for in 32413 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 6500 Ogeeche Trail, chosen from what the record shows. This is general guidance, not advice about this specific property.
- New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
- HOA dues are listed at $277/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- Get a homeowners insurance quote for this specific address in Bay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $13,965/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | CPAR, checked against the MLS hourly (last: November 14, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of CPAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 6500 Ogeeche Trail and when was it built?
Per the listing record, 6500 Ogeeche Trail was built in 2026 and has 4 bedrooms and 4 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 6500 Ogeeche Trail in?
6500 Ogeeche Trail is in Rivercamps On Crooked Creek in Panama City Beach, Bay County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 6500 Ogeeche Trail have an HOA, and how much are the dues?
The listing reports HOA dues of $277 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 6500 Ogeeche Trail differ from the current owner's?
The estimate on this page (about $13,965 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 6500 Ogeeche Trail in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 6500 Ogeeche Trail in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Central Panhandle Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Central Panhandle Association of REALTORS®. © 2026 Central Panhandle Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.