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13537 NW Missy Ln, Clarksville, FL, 32430

2beds
2baths
1,492sqft
$276,500
$185price/sqft
$1,893/moest. monthly cost
$75,720/yrincome needed

About This Home

BEST & NICEST WATERFRONT DEAL IN THE USA! Just a short distance to the Forgotten Coast or PCB! This Chipola River Waterfront Home is as nice as any you will ever find. Why? First of all, Chipola River is the nicest small river in America! Fantastic fishing! It is mostly a spring fed river and the water is really clear (unless there is a long period of heavy rain fall upriver). Yes! It is the river that flows from the Florida Caverns State Park! And it is one of the most popular rivers for canoeing & kayaking & tubing! The 1492 HVAC home is really immaculate! The 2 bedrooms is easily converted to a 3 bedroom, as the upstairs is an easy conversion to a THREE BEDROOM (only reason for not calling it a 3 bedroom is the included closet is a nice large shift robe which is not a built-in closet.) In fact, it already is 3 bedrooms for all practical purposes! The upstairs fully finished room (3rd bedroom or game room) is 14 feet X 23 feet! Huge! And get this, it has double doors that open to a BALCONY that is 16 feet X 8 feet! The downstairs interior is totally awesome gorgeous and has an enormous amount of rare PECKY CYPRESS! Pecky Cypress is basically unobtainable anymore as it is cypress wood that was underwater for many-many years where it obtained it's unique-rare-unmatched-beauty! The exterior siding is cypress wood, which is highly resistant to insects or rot (WDO) resistant more than about any other type of wood! It is built up high on 12''x12' pressure treated pilings and is above the level (the first interior floor) where any high water (flood level) has ever been since it's construction over 30 years ago. This lot is one of the highest elevations on the entire Chipola River waterfront! The great room is fantastic and overlooks the river and has a beautiful fireplace! It too is ordained by that rare Pecky Cypress! There is too much here to describe. There is a grape arbor on this huge-basically one acre lot! 131 Feet of River Frontage! Nice homes in the area and across the river! Oh, you are right! IT WOULD MAKE A HIGH DEMAND B&B! Whether a vacation get-a-way or your retirement home or your DREAM HOME ON THE RIVER this one is IT! It HAS THREE DECKS that run together that overlook the river: TWO 8'x12' decks and the middle deck is 12'x20'!!! 432 square feet of open deck on the river! And it has 640 square feet of stand-up high space below the first floor for shop space or storage or even room to garage a car! The space under the house has a floor that is made of 2''x6'' Pressure Treated wood! Yes! You can entertain all your friends all at once! And, yes, the large master bedroom has a really nice full bathroom! Come see. But don't wait. It will not last.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

8/10
5/10
Altha Public SchoolGrades PK-126.8 mi
6/10
Blountstown High SchoolGrades PK,6-127.2 mi

Construction

Condition

  • Year built: 1992

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition,Shingle
  • Construction materials: Wood Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Coastal
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Oven,Gas Range,Ice Maker,Water Purifier Owned

Bedroom

  • Level: First
  • Dimensions: 12 x 13

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Entrance Foyer,Utility Room,Workshop
  • Fireplace features: Gas
  • Fireplace: Yes

Foyer

  • Level: First
  • Dimensions: 10 x 5

Great Room

  • Level: First
  • Dimensions: 14 x 19

Heating & Cooling

  • Heating features: Electric,Fireplace(s),Heat Pump
  • Cooling features: Central Air,Ceiling Fan(s),Heat Pump

Interior Area

  • Total structure area: 1,492
  • Total interior livable area: 1,492 sqft

Kitchen

  • Level: First
  • Dimensions: 11 x 10

Master Bathroom

  • Level: First
  • Dimensions: 6 x 9

Master Bedroom

  • Level: First
  • Dimensions: 15 x 14

Other

  • Level: First
  • Dimensions: 8 x 5

Other

  • Features: Balcony
  • Level: Second
  • Dimensions: 16 x 8

Porch

  • Level: First
  • Dimensions: 16 x 8

Recreation

  • Level: Second
  • Dimensions: 23 x 14

Utility Room

  • Level: First
  • Dimensions: 9 x 5

Workshop

  • Dimensions: 20 x 23

Property

Details

  • Parcel number: 171N09000000060103
  • Zoning description: Resid Single Family
  • Special condition: Listed As-Is

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Balcony,Open,Porch
  • Exterior features: Deck
  • On waterfront: Yes
  • Waterfront features: River Front,See Remarks
  • Frontage length: 131

Lot

  • Lot size: 0.98 Acres
  • Lot size dimensions: 130.6 x 321.5 x 130.6 x 323.6

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

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Cold Wave
Hurricane
Tornado
Drought
Heat Wave
Inland Flooding
Wildfire

FEMA Declared Disasters in Calhoun County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

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

MonthlyAnnual
Mortgage $1,398$16,776
Home Insurance *$91$1,092
Property Taxes $207$2,484
Electricity $197$2,366
Total$1,893$22,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,902/yr
40% on housing$56,790/yr
45% on housing$50,480/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

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.

Insurance Growth Rate5-year average: 17.7%
17.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: -4.2%
-4.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$185This listing

vs Other Active Listings

Avg $/sqft

ZIP 32430$239
Calhoun County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 32430
Calhoun County$211

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)

No zestimate history available

Price History

DateEventPrice
2026-04-23Price change$289,000
2026-04-07Price change$298,000
2026-03-23Price change$298,500
2026-01-21Price change$298,900
2025-11-20Price change$298,950
2025-11-10Price change$298,990
2025-08-28Listed for sale$299,000
1995-10-01Sold$87,000

For Sale by Agent

AgentBenjamin F Castro
BrokerageCountryLand Realty, Inc.

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