Last Sold Price
4 beds1,448 sqft$68/sqft
10909 Cowels Rd, Fountain, FL 32438

Description

Welcome to 10909 Cowles Rd, a fantastic investment opportunity nestled in panhandle of Florida. Whether you are a first-time home owner looking to add your own personal touch, or an investor looking for a project, this is the ideal investment. The bones are great, and only needs your creative touch to freshen this home up! This 4 bedroom, 2 bathroom home has the ideal floorplan with major potential. With its oversized living areas, large bedrooms, and unbeatable location, 10909 Cowles Rd offers a...Welcome to 10909 Cowles Rd, a fantastic investment opportunity nestled in panhandle of Florida. Whether you are a first-time home owner looking to add your own personal touch, or an investor looking for a project, this is the ideal investment. The bones are great, and only needs your creative touch to freshen this home up! This 4 bedroom, 2 bathroom home has the ideal floorplan with major potential. With its oversized living areas, large bedrooms, and unbeatable location, 10909 Cowles Rd offers a rare opportunity to acquire a property with serious upside potential. Don't miss out on the chance to make this home shine—schedule your showing today and envision the possibilities this home can offer.
LISTING CLOSED: 11/30/2025 11:00 PM

  1. Listed by Terry Connors, II • Brokerage DRE #1061052 • THE SHOP REAL ESTATE CO.
    P: (727) 452-6054 C: (727) 452-6054 Terry@theshopre.com

Property Details for 10909 Cowels Road

Status
MLS #
TB8401722
Days on Market
98
Taxes
$1,478 / year
HOA Fees
-
Condo/Co-op Fees
-
Property Type
MLS Type
Residential / Single Family Residence
Year Built
2000
Lot Size
5.00 AC / 217,800 SF
Subdivision Name
CHIMNEY
Township
01N
Waterfront
No

Recent comparable sales

Median sold price

$100,000

Avg days on market

20

Sale-to-list ratio

94.8%

[Fountain, FL]

9 comparable properties found

$112,000 | 18006 Overland Avenue, Fountain, FL 32438
1/44
1

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Sold 03/18/26

4
Bedrooms
1,512
Square Feet
0.83
Acres
$100,000 | 11811 Laurel Street, Fountain, FL 32438
1/2
2

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Sold 06/16/25

3
Bedrooms
1,350
Square Feet
0.23
Acres
3

$99,500

Sold 04/09/25

3
Bedrooms
2
Bathrooms
1,568
Square Feet
5
Acres
$76,000 | 18323 Gowan Road, Fountain, FL 32438
1/4
4

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3
Bedrooms
1,248
Square Feet
10
Acres
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$100,000

Sold 03/07/25

3
Bedrooms
2
Bathrooms
1,464
Square Feet
2.5
Acres
$150,000 | 699 North Silver Lake Road, Fountain, FL 32438
1/58
6

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Sold 08/23/24

3
Bedrooms
1,334
Square Feet
3.25
Acres
$75,000 | 17010 Pinegrove Drive, Fountain, FL 32438
1/2
7

$75,000

Sold 11/15/24

3
Bedrooms
1,232
Square Feet
0.41
Acres
$385,000 | 20525 Camino Real, Fountain, CO 80817
1/35
8

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4
Bedrooms
1,590
Square Feet
5.1
Acres
$385,000 | 120 Cherry Circle, Fountain, CO 80817
1/27
9

$385,000

Sold 01/13/25

4
Bedrooms
1,558
Square Feet
0.15
Acres

Location

Add your commute

Building Information for 10909 Cowels Road

Stories1Year Built2000Building Size-Lot Size5.00 AC / 217,800 SF

Payment Calculator

$626 per month

30 year fixed, 6.55% Interest

Principal and Interest

$503

Property Taxes

$123

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Rocket Mortgage1

Property Information for 10909 Cowels Road

Summary
Location and General Information
  • Building Area Source: Public Records
  • Building Area Total: 1448.0
  • Building Area Units: Square Feet
  • Direction Faces: Northeast
  • Directions: Heading N from Panama City: Head north on US-231 N toward Jadewood Cir. Keep right to stay on US-231 N. Turn left onto Silver Lake Rd. Turn right to stay on Silver Lake Rd. Turn left onto Cowels Rd. Continue straight onto Sanjo Rd. Turn right onto Cowles Rd
  • Mls Major Change Type: Sold
  • Major Change Type: Closed
  • Listing Service: Full Service
  • Senior Community: No
  • Unit Number: No
  • Street Number: 10909
  • Street Name: COWELS
  • Street Suffix: ROAD
  • State: FL
  • City: FOUNTAIN
Parking
  • Carport: No
  • Garage: No
Taxes and HOA Information
  • Association: No
  • CDD: No
  • Pet Restrictions: Seller is not aware of fees, restrictions, covenants, HOA, etc. Buyer responsibility to verify all of this information to their satisfaction. No sellers disclosures available. All measurements are estimates. Buyers due diligence is required & advised.
  • Tax Block: 04
  • Tax Book Number: 00
  • Tax Legal Description: 21 1N 12W -11.1- 195C W1/2 OF NW1/4 OF SE1/4 OF NW1/4 LESS R/W ORB 4662 P 582
  • Tax Lot: 0
  • Tax Year: 2024
Virtual Tour
Property
Lot Information
  • Additional Parcels: No
  • Additional Water Information: Seller is not aware of fees, restrictions, covenants, HOA, etc. Buyer responsibility to verify all of this information to their satisfaction. No sellers disclosures available. All measurements are estimates. Buyers due diligence is required & advised.
  • Parcel Number: 01248010000
  • Total Acreage: 5 to less than 10
  • Water Access: No
  • Water Extras: No
  • Zoning: AG-1
  • Living Area: 1448
Property and Assessments
  • Year Built Numeric: 2000
  • Amenities Additional Fees: Seller is not aware of fees, restrictions, covenants, HOA, etc. Buyer responsibility to verify all of this information to their satisfaction. No sellers disclosures available. All measurements are estimates. Buyers due diligence is required & advised.
  • Flood Zone Code: X
  • Homestead: No
  • New Construction: No
  • Property Attached: No
  • Public Survey Range: 12W
  • Public Survey Section: 21
  • Dock YN: No
Utilities
  • Sewer: Septic Tank
  • Utilities: Electricity Available
  • Water Source: Well
Interior and Exterior Features
Exterior Features
  • Construction Materials: Vinyl Siding, Wood Frame
  • Exterior Features: Other
  • Foundation Details: Crawlspace
  • Levels: One
  • Pool Private: No
  • Pool: None
  • Pool Private: No
  • Roof: Shingle
  • Waterfront Feet Total: 0
  • Number Of Stories: 1
Interior Features
  • Bedrooms Total: 4
  • Bathrooms Full: 2
  • Appliances: None
  • Cooling: Central Air, Mini-Split Unit(s)
  • Fireplace: No
  • Flooring: Laminate, Vinyl, Hardwood
  • Heating: Electric
  • Interior Features: Ninguno
  • Laundry Features: Other
  • Living Area Source: Public Records
  • Living Area Units: Square Feet
  • Room Count: 8.0
  • Water View: No
  • Bathrooms Half: 0
Rental
Rental Information
  • Pets Allowed: Yes

Property History for 10909 Cowels Road

DateEvent & SourcePriceAppreciation
Nov 30, 2025

Sold

MFRMLS #TB8401722

$99,000
Nov 20, 2025

Sold (Public Record)

Public Record #1922434982

$99,000
Nov 5, 2025

Pending

MFRMLS #TB8401722

DateEvent & SourcePrice
11/30/2025

Sold

MFRMLS #TB8401722

$99,000
11/20/2025

Sold (Public Record)

Public Record #1922434982

$99,000
11/05/2025

Pending

MFRMLS #TB8401722

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 10909 Cowels Road

Taxable ValueLand$25,540Additions$117,294Total$142,834
Tax Record2025$1,658 ($138 / month)
Home Facts
Beds4Total Finished SqFt1,448 SqFtAbove Grade Finished SqFt1,448 SqFtStories1Lot Size217,800 SqFtStyleSingle Family ResidenceYear Built2000ZoningBC01CountyBAYAPN01248-010-000

Schools near 10909 Cowels Road

This home is within Bay.
Rating
School
Type
Grades
Distance
Public - PK to 5
Public - PK to 12
Public - 6 to 8
Charter - 9 to 12
Rating
School
Distance
Waller Elementary School
PublicPK to 5

Deane Bozeman School
PublicPK to 12

Merritt Brown Middle School
Public6 to 8

North Bay Haven Career Academy
Charter9 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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Nearby home values

AddressSold priceBedsBathsSqftLot (Sqft)
This home: 10909 Cowels Road, Fountain, FL 32438
$99,000
4
1,448
217,800
$30,000
4
2
435,600
$25,000
217,800
$30,000
435,600
$70,000
910,839
$175,000
4
1,976
217,800

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of THE SHOP REAL ESTATE CO.

The data relating to real estate for sale/lease on this web site come in part from a cooperative data exchange program of the Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. The properties displayed may not be all of the properties in the MLS's database, or all of the properties listed with Brokers participating in the cooperative data exchange program. Information deemed reliable but not guaranteed. Copyright© 2026 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.