9648 Bone Bluff Dr, Navarre, FL, 32566
About This Home
Explore the extensive possibilities at 9648 Bone Bluff Drive, a generous 5.16-acre property situated in Navarre's established Whispering Pines Estates neighborhood. This remarkable property offers a unique blend of space, versatility, and modern convenience, making it an ideal retreat for a variety of lifestyles. This double lot features 208' of water-frontage along the East Bay River and encompasses a mix of pristine natural wetlands and cleared areas, providing a serene backdrop for outdoor enthusiasts. While the building was originally constructed as a massive 41' x 48', custom 3-bay garage in 2011 by Randy Wise Homes, the current owner greatly enhanced the interior in 2023 by adding a contemporary 2-bedroom, 2-bathroom apartment. Upon entering the residential side of the building,
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Construction Complete
- Year built: 2011
Materials
- Foundation: Slab
- Roof: Shingle,Roof Pitched
- Construction materials: Frame,Brick,Trim Aluminum,Trim Vinyl,Trim Wood,Siding CmntFbrHrdBrd
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Microwave,Refrigerator,Electric Water Heater,Tankless Water Heater
- Laundry features: Washer/Dryer Hookup
Bedroom
- Level: Second
- Area: 162
- Dimensions: 13.5 x 12
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Dining Area
- Level: Second
- Area: 63
- Dimensions: 9 x 7
Features
- Kitchen Island,Recessed Lighting,Newly Painted,Woodwork Painted
- Window features: Double Pane Windows,Skylight(s),Window Treatments
- Flooring: Laminate
- Common walls with other units/homes: No Common Walls
Garage
- Level: First
- Area: 656
- Dimensions: 41 x 16
Garage
- Level: First
- Area: 352
- Dimensions: 22 x 16
Heating & Cooling
- Heating features: Heat Pump,Central
- Cooling features: Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 1,358
- Total interior livable area: 1,358 sqft
Kitchen
- Level: Second
- Area: 240
- Dimensions: 16 x 15
Living Room
- Level: Second
- Area: 210
- Dimensions: 17.5 x 12
Master Bedroom
- Level: Third
- Area: 132
- Dimensions: 12 x 11
Sitting Room
- Level: Third
- Area: 135
- Dimensions: 15 x 9
Storage
- Level: First
- Area: 240.5
- Dimensions: 13 x 18.5
Utility Room
- Level: First
- Area: 136
- Dimensions: 8.5 x 16
Workshop
- Level: First
- Area: 512
- Dimensions: 32 x 16
Property
Details
- Parcel number: 112S265689007000040
- Zoning description: County, Resid Single Family
Features
- Stories: 3
- Exterior features: Outdoor Shower,Rain Gutters
- On waterfront: Yes
- Waterfront features: Intracoastal Wtrwy,River Front,Shore - Natural
Lot
- Lot size: 5.16 Acres
- Features: Easements,Flood Insurance Req,Interior Lot,Restrictions,Wetlands,Within 1/2 Mile to Water,Wooded
- Lot size dimensions: 200'F x 999'LS x 208'R x 1169'RS
Parking
- Total spaces: 13
- Parking features: Garage Door Opener,Converted Garage,Oversized,RV Access/Parking,Garage
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Lightning
- Coastal Flooding
- Heat Wave
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Santa Rosa County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,008 | $36,096 |
| Home Insurance * | $703 | $8,436 |
| Property Taxes | $584 | $7,008 |
| Electricity | $197 | $2,366 |
| Total | $4,492 | $53,904 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Price change | $585,000 |
| 2026-07-20 | Price change | $595,000 |
| 2026-06-11 | Listed for sale | $600,000 |
| 2024-09-13 | Listing removed | $1,650 |
| 2024-08-21 | Listed for rent | $1,650 |
| 2024-04-30 | Sold | $530,000 |
| 2024-03-27 | Pending sale | $550,000 |
| 2024-01-12 | Listed for sale | $550,000 |
| 2021-10-29 | Sold | $338,000 |
| 2021-04-27 | Listing removed | -- |
| 2020-09-01 | Price change | $344,000 |
| 2017-07-18 | Price change | $350,000 |
| 2015-08-07 | Listed for sale | $550,000 |
| 2000-02-02 | Sold | $38,500 |
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