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199 N Duck Ave, Wewahitchka, FL, 32465

4beds
4baths
1,499sqft
$299,950
$200price/sqft
$2,097/moest. monthly cost
$83,880/yrincome needed

About This Home

HOWARD'S CREEK ALERT: Huge price improvement! You've got to see this cool fishing camp sitting on almost a one acre lot in the center of the community of Howard Creek. This can be a fantastic family compound, a fishing getaway for families or friends, numerous living areas - The main cottage has been extended over the years and features 2 bedrooms plus a bunk room, 2 full baths, 2 living areas and even two kitchens. There is an oversized 40x40 garage (did we say barndominium!) with 2 large overhead doors on front and another on the side. Tons of space and there are two bedrooms and 2 full baths above the garage as well. It's great for a large family or friends vacationing together. There is also so much to do outdoors and there is a big fire pit and sitting area in the backyard. There is a building that once housed a smokehouse and summer kitchen but it needs updating. The entire parcel is fenced and gated at the end of the road and very private. Howard Creek is nestled along the Brothers River. This leads into the Apalachicola River or take the intercoastal waterway out into the Gulf of Mexico. Some of the best fishing anywhere! This community is golf cart friendly and golf carts are in fact the preferred method of transportation. There is a country store, church, and an incredible county park with paved boat ramp. It does need some work and sprucing up but the possibilities are endless!

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

4/10
4/10
Wewahitchka High SchoolGrades 6-1215.9 mi

Construction

Condition

  • Year built: 1970

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater

Bedroom

  • Level: First
  • Dimensions: 10 x 8

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Family Room

  • Level: First
  • Dimensions: 25 x 16

Features

  • Main Level Primary
  • Fireplace: Yes

Garage

  • Level: First
  • Dimensions: 40 x 40

Heating & Cooling

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

Interior Area

  • Total structure area: 1,499
  • Total interior livable area: 1,499 sqft

Kitchen

  • Level: First
  • Dimensions: 11 x 10

Living Room

  • Level: First
  • Dimensions: 24 x 13

Master Bedroom

  • Level: First
  • Dimensions: 15 x 11

Other

  • Level: First
  • Dimensions: 9 x 9

Property

Details

  • Parcel number: 00085001R
  • Zoning description: Resid Single Family
  • Special condition: Listed As-Is

Features

  • Patio & porch: Balcony,Covered,Porch
  • Exterior features: Fire Pit
  • Fencing: Full,Fenced

Lot

  • Lot size: 0.89 Acres
  • Features: Paved
  • Lot size dimensions: 300 x 130

Parking

  • Total spaces: 4
  • Parking features: Garage,Garage Door Opener,RV Garage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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
  • Hurricane
    HurricaneRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Hurricane
Coastal Flooding
Cold Wave
Wildfire
Tsunami

FEMA Declared Disasters in Gulf 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 $1,516$18,192
Home Insurance *$131$1,572
Property Taxes $253$3,036
Electricity $197$2,366
Total$2,097$25,164
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$71,897/yr
40% on housing$62,910/yr
45% on housing$55,920/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: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 14.7%
14.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 32465$80
Gulf County$305

vs Homes Sold Last Month

Median $/sqft

ZIP 32465
Gulf County$240

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
2026-06-29Price change$299,950
2026-04-14Price change$344,900
2026-03-28Price change$354,900
2025-06-30Price change$359,900
2024-08-06Price change$374,900
2024-07-08Listed for sale$399,900
2002-02-12Sold$80,000

For Sale by Agent

AgentDennis M Dunnigan
BrokerageCoastal Choice Realty LLC

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