Using a bond fluctuating model (BFM), Monte Carlo simulations are performed to study the film growth in a mixture of reactive hydrophobic (H) and hydrophilic (P) groups in a simultaneous reactive and evaporating aqueous (A) solution on a simple three dimensional lattice. In addition to the excluded volume, short range phenomenological interactions among each constituents and kinetic functionalities are used to capture their major characteristics. The simulation involves thermodynamic equilibration via stochastic movement of each constituent by Metropolis algorithm as well as cross-linking reaction among constituents with evaporating aqueous component. The film thickness (h) and its interface width (W) are examined with a reactive aqueous solvent for a range of temperatures (T). Results are compared with a previous study [Yang et al. Macromol. Theory Simul. 15, 263 (2006)] with an effective bond fluctuation model (EBFM). Simulation data show a much slower power-law growth for h and W with BFM than that with EBFM. With BFM, growth of the film thickness can be described by h proportionaltgamma, with a typical value gamma1 approximately 0.97 in initial time regime followed by gamma2 approximately 0.77 at T=5, for example. Growth of the interface width can also be described by a power law, W proportionaltbeta, with beta1 approximately 0.40 initially and beta2 approximately 0.25 in later stage. Corresponding values of the exponents with EBFM are much higher, i.e., gamma1 approximately 1.84, gamma2 approximately 1.34 and beta1 approximately 1.05, beta2 approximately 0.60 at T=5. Correct restrictions on the bond length with the excluded volume used with BFM are found to have a greater effect on steady-state film thickness (hs) and the interface width (Ws) at low temperatures than that at high temperatures. The relaxation patterns of the interface width with BFM seem to change noticeably from those with EBFM. A better relaxed film with a smoother surface is thus achieved by the improved cross-linking covalent bond fluctuation model which is more realistic in capturing appropriate details of systems such as polyurethane film. The steady-state film thickness increases monotonically with the temperature possibly with two logarithmic dependences. The equilibrium interface width shows a nonmonotonic dependence: on increasing the temperature, Ws seems to increase slowly before it begins to decay Ws=4.12-1.39 ln(T).