891 Choctawhatchee River Road, Ponce De Leon, FL 32455

$399,400
Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 2,052 Lot Size (sq. ft.): 9,148 Status: Active
Current Price: $399,400 List Date: 5/29/2026 Last Modified: 5/29/2026

Description

Seller's job transfer fell thru so Seller needs to sell. PRICED 25K 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. 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)

Supplements: 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

More Information MLS# 995860

General Property Info

userdefined76: 6 Sub-Type: Detached Single Family Design: Cabin SqFt Source: County PA Records Immediate Occupancy: Yes Garage: Yes Carport: No Driveway Spaces: 5 Pool: No Pool Type: None Apx SqFt(Htd/Cooled): 2052 Bedrooms: 2 Full Baths: 2 Total Bathrooms: 2 # Stories: 2 Year Built: 1997 Garage Spaces: 1 Acreage: 0.21

Contract Info

Listing Board: Emerald Coast List Price/SqFt: 194.64 List Date: 2026-02-20 Current Price: $399,400 List Price: $399,400

Location, Tax and Legal

Sub Area: 2011 - SE of Blackcreek/S. of 20 to Choctawhatchee River Elementary School: Freeport Middle School: Freeport High School: Freeport Legal Description: LOT 10 BLK B CHOCTAWHATCHEE RIVER EST PB 5-23 OR 1043-124 OR 1674-157 OR 1893-178 OR 2301-1929 OR 2635-1364 OR 2770-1929 OR 2770-1930 OR 3236-3622

Listing Info, Tax & Legal

Homestead: No Is Subject Leased: No Assessment Fees: No New Buyer Fee: No Last Taxes: 1835.66 Last Tax Year: 2024 Brokerage Interest: No Interest As Is: No

Remarks & Misc

Remarks: Seller's job transfer fell thru so Seller needs to sell. PRICED 25K 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. 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)

Waterfront

River: 1 Waterfront Feet: 71

Construction Status

Construction Complete: 1

Parking Features

Garage Attached: 1 Oversized: 1

Waterview

River: 1

Lot/Parcel Access

Paved Road: 1

Lot Features

Bulkhead/Seawall: 1 Flood Insurance Req: 1 Interior: 1 Level: 1

Project Facilities

Fishing: 1 Waterfront: 1

Construction/Siding

Frame: 1 Roof Metal: 1 Siding Wood: 1 Slab: 1 Trim Wood: 1

Utilities

Electric: 1 Private Well: 1 Septic Tank: 1

Zoning

Resid Single Family: 1

Exterior

Balcony: 1 Deck Covered: 1 Deck Enclosed: 1 Guest Quarters: 1 Porch: 1 Porch Screened: 1 Yard Building: 1

Interior

Breakfast Bar: 1 Built-In Bookcases: 1 Ceiling Cathedral: 1 Fireplace: 1 Floor Hardwood: 1 Floor Tile: 1 Furnished - None: 1 Guest Quarters: 1 Kitchen Island: 1 Lighting Recessed: 1 Pantry: 1 Washer/Dryer Hookup: 1 Window Treatment All: 1 Woodwork Stained: 1

Financing

Conventional: 1 FHA: 1 RHS: 1 VA: 1

Appliances

Dishwasher: 1 Disposal: 1 Range Hood: 1 Refrigerator W/IceMk: 1 Smooth Stovetop Rnge: 1 Stove/Oven Electric: 1

Energy

AC - Central Elect: 1 Ceiling Fans: 1 Heat Cntrl Electric: 1 Water Heater - Elect: 1

Mstr Bdrm/Mstr Bath

MBath Shower Only: 1 MBath Tile: 1

Master Bedroom

Second: 1

Bedroom

First: 1

Kitchen

Second: 1

Living Room

Second: 1

Full Bathroom

First: 1

Rooms

Balcony: 1 Bedroom: 1 Bonus Room: 1 Covered Porch: 1 Dining Area: 1 Full Bathroom: 1 Garage: 1 Kitchen: 1 Laundry: 1 Living Room: 1 Master Bathroom: 1 Master Bedroom: 1 Screened Porch: 1 Separate Apartment: 1

Status Change Info

Status: Active

Location Tax and Legal

Area: 20 - Freeport Street #: 891 Street Name: Choctawhatchee River Street Suffix: Road State: FL Zip Code: 32455 County: Walton Project Name/Subdivision: CHOCTAWHATCHEE RIVER ESTATES Parcel ID: 02-1S-17-07050-00B-0100

Property Features

Construction Status: Construction Complete Lot Features: Bulkhead/Seawall; Flood Insurance Req; Interior; Level Zoning: Resid Single Family Waterfront: River Waterview: River Parking Features: Garage Attached; Oversized Project Facilities: Fishing; Waterfront Exterior: Balcony; Deck Covered; Deck Enclosed; Guest Quarters; Porch; Porch Screened; Yard Building Interior: Breakfast Bar; Built-In Bookcases; Ceiling Cathedral; Fireplace; Floor Hardwood; Floor Tile; Furnished - None; Guest Quarters; Kitchen Island; Lighting Recessed; Pantry; Washer/Dryer Hookup; Window Treatment All; Woodwork Stained Appliances: Dishwasher; Disposal; Range Hood; Refrigerator W/IceMk; Smooth Stovetop Rnge; Stove/Oven Electric Utilities: Electric; Private Well; Septic Tank Energy: AC - Central Elect; Ceiling Fans; Heat Cntrl Electric; Water Heater - Elect Master Bedroom: Second Bedroom: First Kitchen: Second Living Room: Second Full Bathroom: First Rooms: Balcony; Bedroom; Bonus Room; Covered Porch; Dining Area; Full Bathroom; Garage; Kitchen; Laundry; Living Room; Master Bathroom; Master Bedroom; Screened Porch; Separate Apartment Financing: Conventional; FHA; RHS; VA

Room Information

Living Room Level: Second Dimensions: 23.83 x 27.42 Length: 23.83 Width: 27.42 Dimensions: 23.83 x 27.42 Kitchen Level: Second Dimensions: 11 x 23.17 Length: 11.00 Width: 23.17 Dimensions: 11 x 23.17 Dining Area Level: Second Dimensions: 8 x 23.17 Length: 8.00 Width: 23.17 Dimensions: 8 x 23.17 Master Bedroom Level: Second Dimensions: 11.75 x 14.75 Length: 11.75 Width: 14.75 Dimensions: 11.75 x 14.75 Master Bathroom Level: Second Dimensions: 11.67 x 7.83 Length: 11.67 Width: 7.83 Dimensions: 11.67 x 7.83 Laundry Level: Second Dimensions: 6.33 x 2.33 Length: 6.33 Width: 2.33 Dimensions: 6.33 x 2.33 Screened Porch Level: Second Dimensions: 11.25 x 18 Length: 11.25 Width: 18.00 Dimensions: 11.25 x 18 Balcony Level: Second Dimensions: 7.58 x 23.83 Length: 7.58 Width: 23.83 Dimensions: 7.58 x 23.83 Garage Level: First Dimensions: 31 x 11.17 Length: 31.00 Width: 11.17 Dimensions: 31 x 11.17 Separate Apartment Level: First Dimensions: 14.83 x 11.42 Length: 14.83 Width: 11.42 Remarks: w/ Kitchenette Dimensions: 14.83 x 11.42 Bedroom Level: First Dimensions: 10.17 x 11.5 Length: 10.17 Width: 11.50 Remarks: w/ Walk-in Closet Dimensions: 10.17 x 11.5 Full Bathroom Level: First Dimensions: 5.08 x 7.17 Length: 5.08 Width: 7.17 Dimensions: 5.08 x 7.17 Screened Porch Level: First Dimensions: 7.5 x 11.58 Length: 7.50 Width: 11.58 Dimensions: 7.5 x 11.58 Bonus Room Level: First Dimensions: 10.92 x 17.75 Length: 10.92 Width: 17.75 Dimensions: 10.92 x 17.75 Covered Porch Level: First Dimensions: 23.42 x 18 Length: 23.42 Width: 18.00 Dimensions: 23.42 x 18

Documents

Listing Office: RE/MAX Coastal Properties
Last Updated: May - 29 - 2026
All information is believed to be accurate but is not guaranteed. Protected by Copyright© 2026 and is owned either by the Emerald Coast Association of REALTORS®, Inc or by the developers of the software, FBS, Inc. All rights reserved.