$389,400
$20K PRICE DROP

891 Choctawhatchee River Rd Ponce de Leon, FL 32455

Ponce De Leon Area

Estimated payment $2,289/month

Total Views 7,918
2 Beds
2 Baths
2,052 Sq Ft
$190 Price per Sq Ft

Highlights

  • Fishing
  • River View
  • Wood Flooring
  • Primary Bedroom Suite
  • Cathedral Ceiling
  • Bonus Room

About This Home

PRICED 35K BELOW 9/2025 APPRAISED VALUE! AFFORDABLE WATERFRONT w/SEPARATE APARTMENT, Just 35 miles to BWB & 30 miles to 30A! NEW ROOF, HVAC, HWH, WELL & PUMP, & SEPTIC LIFT STATION provide affordable insurance & peace of mind. Seller's job transfer fell thru so Seller needs to sell. Tired of traffic & tourist traps? Dreaming of a peaceful retreat without giving up the beach & civilization? Ideal as a primary Home, 2nd home, or investment property, this Cedar Sided, 2 Story RIVER CAMP on .21 acre serene landscape is Calling Your Name! Spend your days gazing out at Choctawhatchee River, taking a boat or jet ski out for a ride, or fishing right from your deck. A soaring ceiling, original hardwood floors & giant open-concept living area accent the 2nd-Floor Primary Residence (1,440 SF) The huge living space w/cozy wood-burning fireplace & custom built-in bookcases flows seamlessly into the updated kitchen with multiple dining areas, ideal for both entertaining and daily life. The spacious Kitchen Island Bar, topped with lovely granite, is the perfect spot to watch the chef in action or gather with friends. The kitchen includes ample storage in white wood cabinets, SS appliances, side-by-side refrigerator, deep double-bowl sink & dishwasher. Tucked off the kitchen is the Master Bedroom with an En Suite remodeled Bathroom w/ new vanity, toilet & tiled walk-in shower. A laundry area with washer and dryer hook-up is also included. From the back of the home, enjoy sweeping river views, a picture-perfect backdrop for everyday living. This truly special home embraces the outdoors with multiple outdoor living areas designed for relaxation. Turn the 2nd floor screened porch into a secondary living area or additional bedroom, or step onto the expansive covered deck to unwind and take in the awesome views. On the ground level, relax on the covered porch swing or step out to the massive deck extending the majority of the 71 feet of river frontage. Fish, relax, or even add a dock for your personal watercraft, the choice is yours. The Ground Level also features a separate 1-bedroom, 1-bathroom apartment with a walk-in closet, space for a kitchenette, & a screen-covered porch. An additional Separate Bonus Room could be used as an Office, Bunk Room, Hobby Space, or overflow Storage. An extended-length 1-car garage provides plenty of room for a vehicle, & possibly even an ATV or side-by-side. The property has its own private well with a filtration system located in the outbuilding and is on septic. Don't be fooled by this serene location, this Home Offers Close proximity to Freeport, Niceville, Beaches, Grand BLVD & 30A! Plan a visit right down the road to Tree House Farms, a local Organic Farm, offering fresh produce & a stunning backdrop for weddings & private events. Plan a Picnic or Launch a Watercraft for the day cruising the Choctawhatchee River, at Cowford Landing Park & Boat Launch. Explore the possibility of turning the home into an AirBnB or rental property for others looking to escape! Learn about the uniqueness of our ecosystem at E.O. Wilson Biophilia Center. Make a playdate with a four-legged friend at Alaqua Animal Refuge. Spend the day at the Beach or Explore one of the State Parks! Seclusion with Close Proximity to it ALL!
Tree House Farms - Local Organic Farm & Wedding / Private Event Space located 1.9 miles
Cowford Landing Public Park & Boat Launch - 4.8 miles (245 Big Cedar Rd) Offers Boat Launch, Screen Covered Deck, Public Restrooms, & Picnic Tables
Alaqua Animal Refuge - 9.2 miles
E.O. Wilson Biophilia Center - Just over 10 miles
Publix Super Market at The Shoppes at Freeport - 14.3 miles
Eden Gardens & Point Washington State Parks - within 28 miles
Grayton Beach - 27.5 miles
Rosemary Beach - 30.6 miles
Grand Blvd 32 miles
ECP Airport 22 miles
Closest Public Beach Access 58 Panama City Beach - 23.4 miles
Blue Mountain Regional Beach Access - 26.9 miles

Listing Agent

Karen Martineau

RE/MAX Coastal Properties License #3096846 Listed on: 05/29/2026

RE/MAX Coastal Properties

Co-Listing Agent

Glenda Lichorwic

RE/MAX Coastal Properties License #3247032

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,836

Year Built

  • Built in 1997

Lot Details

  • 9,148 Sq Ft Lot
  • Lot Dimensions are 72 x 107 x 71 x 110
  • River Front
  • Interior Lot
  • Level Lot

Parking

  • 1 Car Attached Garage
  • Oversized Parking

Home Design

  • Cabin
  • Slab Foundation
  • Frame Construction
  • Wood Siding
  • Wood Trim

Interior Spaces

  • 2,052 Sq Ft Home
  • 2-Story Property
  • Bookcases
  • Woodwork
  • Cathedral Ceiling
  • Ceiling Fan
  • Recessed Lighting
  • Fireplace
  • Window Treatments
  • Living Room
  • Dining Area
  • Bonus Room
  • Screened Porch
  • River Views

Kitchen

  • Breakfast Bar
  • Walk-In Pantry
  • Range Hood
  • Dishwasher
  • Kitchen Island
  • Disposal

Flooring

  • Wood
  • Tile

Bedrooms and Bathrooms

  • 2 Bedrooms
  • Primary Bedroom Suite
  • In-Law or Guest Suite
  • 2 Full Bathrooms

Laundry

  • Laundry Room
  • Washer and Dryer Hookup

Outdoor Features

  • Bulkhead
  • Balcony
  • Covered Deck
  • Shed

Schools

  • Freeport Elementary And Middle School
  • Freeport High School

Utilities

  • Central Heating and Cooling System
  • Electric Water Heater
  • Septic Tank

Additional Features

  • Separate Apartment
  • Flood Insurance May Be Required

Listing and Financial Details

  • Assessor Parcel Number 02-1S-17-07050-00B-0100

Community Details

Overview

  • Choctawhatchee River Estates Subdivision

Recreation

  • Fishing

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,836

Year Built

Built in 1997

Lot Details

9,148 Sq Ft Lot

Parking

1

Listing Details

  • Property Sub Type: Detached Single Family
  • Prop. Type: Residential
  • Lot Size Acres: 0.21
  • Lot Size: 72 x 107 x 71 x 110
  • Road Surface Type: Paved
  • Co List Office Mls Id: EMAX
  • Co List Office Phone: 850-837-9900
  • Subdivision Name: CHOCTAWHATCHEE RIVER ESTATES
  • Directions: From Freeport take Hwy 20 East through Bruce. Shortly after crossing over Dismal Creek bridge, turn right on Cowford Road. It curves to the left after 0.1 mile. Continue on Cowford to Choctawhatchee River Road on the right. Go 0.8 mile down Choctawhatchee River Road and home will be on the left.
  • Architectural Style: Cabin
  • Carport Y N: No
  • Garage Yn: Yes
  • New Construction: No
  • Building Stories: 2
  • Year Built: 1997
  • Special Features: None
  • Stories: 2

Interior Features

  • Furnished: Unfurnished
  • Appliances: Dishwasher, Disposal, Range Hood, Electric Water Heater
  • Full Bathrooms: 2
  • Total Bedrooms: 2
  • Flooring: Hardwood, Tile
  • Interior Amenities: Breakfast Bar, Bookcases, Cathedral Ceiling(s), Fireplace, In-Law Floorplan, Kitchen Island, Recessed Lighting, Pantry, Washer/Dryer Hookup, Natural Woodwork
  • Window Features: Window Treatments

Exterior Features

  • Lot Features: Bulkhead/Seawall, Flood Insurance Req, Interior Lot, Level
  • View: River
  • Waterfront Features: River Front
  • Waterfront: Yes
  • Construction Type: Frame, Wood Siding, Trim Wood
  • Exterior Features: Balcony, Yard Building
  • Foundation Details: Slab
  • Other Structures: Guest Quarters
  • Patio And Porch Features: Deck Covered, Deck Enclosed, Porch, Porch Screened
  • Property Condition: Construction Complete
  • Roof: Metal

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 1.0
  • Parking Features: Oversized
  • Total Parking Spaces: 6

Utilities

  • Cooling: Central Air, Ceiling Fan(s)
  • Cooling Y N: Yes
  • Heating: Central
  • Heating Yn: Yes
  • Utilities: Septic Tank

Condo/Co-op/Association

  • Community Features: Fishing, Waterfront

Schools

  • Elementary School: Freeport
  • High School: Freeport
  • Middle Or Junior School: Freeport

Lot Info

  • Lot Size Sq Ft: 9147.6
  • Parcel #: 02-1S-17-07050-00B-0100
  • Zoning: Resid Single Family

Tax Info

  • Tax Annual Amount: 1835.66
  • Tax Year: 2024

Map

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

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 $1,793 $208,415 $19,800 $188,615
2024 $1,849 $210,835 $19,800 $191,035
2023 $1,849 $213,255 $19,800 $193,455
2022 $817 $124,107 $0 $0
2021 $825 $120,492 $0 $0
2020 $837 $118,828 $5,184 $113,644
2019 $810 $116,359 $0 $0
2018 $794 $114,189 $0 $0
2017 $790 $113,471 $0 $0
2016 $777 $111,137 $0 $0
2015 $783 $110,364 $0 $0
2014 $807 $111,533 $0 $0
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
08/03/2026 08/03/26 Price Changed $389,400 -2.5% $190 / Sq Ft
05/29/2026 05/29/26 For Sale $399,400 0.0% $195 / Sq Ft
05/20/2026 05/20/26 Pending -- -- --
03/26/2026 03/26/26 Price Changed $399,400 -2.4% $195 / Sq Ft
02/20/2026 02/20/26 For Sale $409,400 +20.4% $200 / Sq Ft
09/05/2025 09/05/25 Sold $340,000 +1.5% $166 / Sq Ft View Prior Sale
07/23/2025 07/23/25 Pending -- -- --
07/03/2025 07/03/25 Price Changed $335,000 -8.4% $163 / Sq Ft
05/23/2025 05/23/25 For Sale $365,800 +26.1% $178 / Sq Ft
01/31/2022 01/31/22 Sold $290,000 0.0% $141 / Sq Ft View Prior Sale
12/10/2021 12/10/21 Pending -- -- --
11/15/2021 11/15/21 For Sale $290,000 -- $141 / Sq Ft
Source: Emerald Coast Association of REALTORS®

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 $340,000 Osprey Title
Warranty Deed $290,000 New Title Company Name
Warranty Deed $250,000 Mitchell Land & Title Inc
Quit Claim Deed $41,000 Mitchell Land & Title Inc
Warranty Deed $168,000 --
Interfamily Deed Transfer -- --
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 $351,220 VA
Previous Owner $275,500 New Conventional
Source: Public Records

Source: Emerald Coast Association of REALTORS®

MLS Number: 995860

Emerald Coast Association of REALTORS®

APN: 02-1S-17-07050-00B-0100

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