Tom Hopkins
Berkshire Hathaway Home Services PenFed Realty
(850) 904-4873
17 Total Sales
1 in Ponce de Leon
$165,000 Price
439 Big Cedar Rd Ponce de Leon, FL 32455
Ponce De Leon Area
3
Beds
2
Baths
1,344
Sq Ft
0.27
Acre Lot
Highlights
- Primary Bedroom Suite
- River View
- Florida Architecture
- Freeport Middle School Rated A-
- Vaulted Ceiling
- Private Yard
About This Home
As of August 2026your chance. This 3-bedroom home sits on the peaceful banks of the Choctawhatchee River, offering beautiful views, incredible fishing, and direct access to the outdoor lifestyle that makes Northwest Florida so special.
Whether you're looking for a full-time residence, weekend retreat, fish camp, or investment opportunity, this property offers endless potential. The home features vaulted ceilings, a fireplace, custom built-ins, and stunning river views from the living area and back porch.
Located just seconds from the public boat ramp and approximately 20 minutes from Panama City Beach, you'll enjoy the perfect balance of privacy, recreation, and convenience.
Recent cosmetic updates have given the home a fresh, clean feel while still leaving plenty of opportunity for a new owner to make it their own. Priced aggressively and offering an excellent opportunity to build equity, this is one of the most affordable riverfront properties on the market.
Seller is motivated and welcomes offers. Schedule your showing today and experience the potential for yourself.
Last Agent to Sell the Property
Counts Real Estate Group Inc License #3143677 Listed on: 06/03/2026
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Home Details
Home Type
- Single Family
Est. Annual Taxes
- $1,518
Year Built
- Built in 1989
Lot Details
- 11,761 Sq Ft Lot
- River Front
- Private Yard
Home Design
- Florida Architecture
- Vinyl Siding
Interior Spaces
- 1,344 Sq Ft Home
- 2-Story Property
- Bookcases
- Vaulted Ceiling
- Ceiling Fan
- Gas Fireplace
- Living Room
- River Views
- Dishwasher
Bedrooms and Bathrooms
- 3 Bedrooms
- Primary Bedroom Suite
- 2 Full Bathrooms
Outdoor Features
- Balcony
- Covered Deck
Schools
- Freeport Elementary And Middle School
- Freeport High School
Utilities
- Window Unit Cooling System
- Septic Tank
Listing and Financial Details
- Assessor Parcel Number 36-1N-17-04050-00C-0130
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jun 14, 2022
Closed on
Jul 18, 2022
Sold by
Nagy Robbie L and Nagy Sherry D
Bought by
Seller's Agent
Racquel Estrada
Century 21 Ryan Realty
Buyer's Agent
Danette Benton
LoKation
List Price
$300,000
Sold Price
$300,000
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-1.79%
Original Mortgage
$285,000
Outstanding Balance
$267,524
Interest Rate
5.09%
Mortgage Type
New Conventional
Estimated Equity
$10,900
Purchase Details
Listed on
May 5, 2021
Closed on
May 6, 2021
Sold by
Cram Carl F
Bought by
Nagy Robbie L and Nagy Sherry D
Seller's Agent
Marco Cooper
Coastal Sun Realty LLC
Buyer's Agent
Marco Cooper
Coastal Sun Realty LLC
List Price
$200,000
Sold Price
$200,000
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
40.20%
Original Mortgage
$7,000
Interest Rate
3.1%
Mortgage Type
Stand Alone Second
Purchase Details
Listed on
Sep 5, 2014
Closed on
Nov 12, 2014
Sold by
Hebson Ernest O and Hebson Anne
Bought by
Crain Carl F
Seller's Agent
Sally Merrifield
Merrifield & Pilcher Realty
Buyer's Agent
Joyce Zaidi
30-A Realty Inc
List Price
$186,300
Sold Price
$186,300
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
1.10%
Original Mortgage
$186,300
Interest Rate
4.26%
Mortgage Type
Future Advance Clause Open End Mortgage
Purchase Details
Closed on
Nov 14, 2008
Sold by
Gaetz Matthew L
Bought by
Hebson Ernest O and Hebson Anne
Purchase Details
Closed on
Jun 14, 2004
Sold by
Martin William Henry and Martin Inez L
Bought by
Gaetz Matthew L
Home Values in the Area
Average Home Value in this Area
Agents Specializing in Ponce de Leon, FL
-
Tom Hopkins
-
Jacklyn Riley
Jacklyn Riley
Responds QuicklyCorcoran Reverie SRB
(202) 792-3559
39 Total Sales
1 in Ponce de Leon
$58,500 Price
-
Paige Joseph
Paige Joseph
Anchor Realty Florida
(850) 403-5526
288 Total Sales
1 in Ponce de Leon
$150,000 Price
-
Elizabeth Bell
Elizabeth Bell
Lokation
(850) 842-6350
152 Total Sales
1 in Ponce de Leon
$685,000 Price
-
Deborah Morton
Deborah Morton
Responds QuicklyBay Living, Inc.
(786) 901-7183
315 Total Sales
6 in Ponce de Leon
$25K - $390K Price Range
-
Jeremy Fretwell
Jeremy Fretwell
Keller Williams Realty FWB
(850) 904-4798
67 Total Sales
1 in Ponce de Leon
$228,000 Price
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $300,000 | New Title Company Name | |
| Warranty Deed | $200,000 | First International Ttl Inc | |
| Warranty Deed | $186,300 | Americas Title Corp | |
| Quit Claim Deed | -- | Attorney | |
| Public Action Common In Florida Clerks Tax Deed Or Tax Deeds Or Property Sold For Taxes | $23,000 | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $285,000 | New Conventional | |
| Previous Owner | $7,000 | Stand Alone Second | |
| Previous Owner | $196,377 | FHA | |
| Previous Owner | $186,300 | Future Advance Clause Open End Mortgage |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 08/20/2026 08/20/26 | Sold | $275,000 | -1.8% | $205 / Sq Ft | |
| 07/27/2026 07/27/26 | Pending | -- | -- | -- | |
| 06/03/2026 06/03/26 | For Sale | $279,900 | -6.7% | $208 / Sq Ft | |
| 10/17/2022 10/17/22 | Off Market | $300,000 | -- | -- | |
| 07/18/2022 07/18/22 | Sold | $300,000 | 0.0% | $224 / Sq Ft | View Prior Sale |
| 07/18/2022 07/18/22 | Sold | $300,000 | +50.0% | $224 / Sq Ft | View Prior Sale |
| 06/21/2022 06/21/22 | Pending | -- | -- | -- | |
| 06/20/2022 06/20/22 | Off Market | $200,000 | -- | -- | |
| 06/14/2022 06/14/22 | For Sale | $300,000 | 0.0% | $224 / Sq Ft | |
| 06/14/2022 06/14/22 | Price Changed | $300,000 | 0.0% | $224 / Sq Ft | |
| 06/14/2022 06/14/22 | For Sale | $300,000 | -4.8% | $224 / Sq Ft | |
| 05/31/2022 05/31/22 | Pending | -- | -- | -- | |
| 05/27/2022 05/27/22 | Price Changed | $315,000 | -3.1% | $235 / Sq Ft | |
| 05/12/2022 05/12/22 | Price Changed | $325,000 | -1.5% | $243 / Sq Ft | |
| 02/03/2022 02/03/22 | For Sale | $330,000 | +65.0% | $246 / Sq Ft | |
| 05/07/2021 05/07/21 | Sold | $200,000 | 0.0% | $149 / Sq Ft | View Prior Sale |
| 05/05/2021 05/05/21 | Pending | -- | -- | -- | |
| 05/05/2021 05/05/21 | For Sale | $200,000 | +7.4% | $149 / Sq Ft | |
| 11/13/2014 11/13/14 | Sold | $186,300 | 0.0% | $139 / Sq Ft | View Prior Sale |
| 09/22/2014 09/22/14 | Pending | -- | -- | -- | |
| 09/05/2014 09/05/14 | For Sale | $186,300 | -- | $139 / Sq Ft |
Source: Emerald Coast Association of REALTORS®
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $1,518 | $175,097 | $37,875 | $137,222 |
| 2024 | $1,571 | $176,867 | $36,662 | $140,205 |
| 2023 | $1,571 | $179,850 | $36,662 | $143,188 |
| 2022 | $1,331 | $147,048 | $40,694 | $106,354 |
| 2021 | $860 | $98,061 | $33,579 | $64,482 |
| 2020 | $713 | $69,065 | $12,360 | $56,705 |
| 2019 | $686 | $66,573 | $10,815 | $55,758 |
| 2018 | $677 | $65,292 | $0 | $0 |
| 2017 | $678 | $65,125 | $10,815 | $54,310 |
| 2016 | $680 | $64,640 | $0 | $0 |
| 2015 | $679 | $63,524 | $0 | $0 |
| 2014 | $695 | $64,186 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Mark Cowart
Seller's Agent in 2026
Mark Cowart
Counts Real Estate Group Inc
(850) 832-6000
113 Total Sales
-
Kaitlyn Fucci
KF
Seller Co-Listing Agent in 2026
Kaitlyn Fucci
Salty Marlin Realty
(850) 814-6839
51 Total Sales
-
RE
Seller's Agent in 2022
Racquel Estrada
CENTURY 21 Ryan Realty Inc
-
Danette Benton
DB
Buyer's Agent in 2022
Danette Benton
LoKation
(817) 240-4071
9 Total Sales
-
NM
Buyer's Agent in 2022
Non Member
NON-MEMBER OFFICE
-
Marco Cooper
Seller's Agent in 2021
Marco Cooper
Coastal Sun Realty LLC
(850) 832-1266
79 Total Sales
Map
Source: Emerald Coast Association of REALTORS®
MLS Number: 1004605
APN: 36-1N-17-04050-00C-0130
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.
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