# 891 Choctawhatchee River Road, Ponce de Leon, FL 32455 > **TL;DR:** 2bd/2ba single family, $389,400 ($190/sqft), built 1997, 2,052 sqft. > Fireplace, Waterfront, View, Hardwood. Est. $2,083/mo. Listed 250 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $389,400 | | Price/sqft | $190 | | Bedrooms | 2 | | Bathrooms | 2 full | | Square Feet | 2,052 | | Year Built | 1997 | | Lot Size | 9,148 sqft (0.21 acres) | | Stories | 2 | | Garage | 1-car | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 250 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - River - **Hardwood Floors** - Hardwood flooring listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,969 | | Estimated Insurance | $114 | | **Total** | **$2,083** | ## Nearby Schools - **Elementary:** Freeport - **Middle:** Freeport - **High:** Freeport ## Key Amenities - Fireplace - Waterfront - View - Hardwood - A/C - 1-car garage ## Property Highlights - Built in 1997 - 0.21 acre lot - 2 stories - 6 parking spaces - Fireplace - Waterfront ## Description ### Agent Description 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 ## Location - **Address:** 891 Choctawhatchee River Road, Ponce de Leon, FL 32455 - **County:** Walton - **Neighborhood:** CHOCTAWHATCHEE RIVER ESTATES - **Coordinates:** 30.440482, -85.920813 - **Google Maps:** https://www.google.com/maps?q=30.440482,-85.920813 ## Listing Agent - **Name:** Karen K Martineau · **License:** 3096846 - **Brokerage:** RE/MAX Coastal Properties - **Broker Phone:** (850) 837-9900 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/891-Choctawhatchee-River-Rd_Ponce-De-Leon_FL_32455_M91073-27569?f=listhub&s=ECARMLSFL&m=995860&c=propsimple) ## Photos ![891 Choctawhatchee River Road - 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Photo 64](http://lh.rdcpix.com/83b1fc0ef2c997a0ddf825cd44e6eedal-f1848641715r.jpg) ![891 Choctawhatchee River Road - Photo 65](http://lh.rdcpix.com/83b1fc0ef2c997a0ddf825cd44e6eedal-f420770287r.jpg) ![891 Choctawhatchee River Road - Photo 66](http://lh.rdcpix.com/83b1fc0ef2c997a0ddf825cd44e6eedal-f1707920599r.jpg) ![891 Choctawhatchee River Road - Photo 67](http://lh.rdcpix.com/83b1fc0ef2c997a0ddf825cd44e6eedal-f1332203086r.jpg) ![891 Choctawhatchee River Road - Photo 68](http://lh.rdcpix.com/83b1fc0ef2c997a0ddf825cd44e6eedal-f4164700573r.jpg) ![891 Choctawhatchee River Road - Photo 69](http://lh.rdcpix.com/83b1fc0ef2c997a0ddf825cd44e6eedal-f295115659r.jpg) --- **MLS#:** 995860 | **Updated:** 2026-10-24 **Source:** listhub *Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/891-choctawhatchee-river-road-ponce-de-leon-fl-32455-64b943e579444d198d9d63a1ba72ab03) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/891-choctawhatchee-river-road-ponce-de-leon-fl-32455-64b943e579444d198d9d63a1ba72ab03#listing", "url": "https://staging.propertysimple.ai/listing/891-choctawhatchee-river-road-ponce-de-leon-fl-32455-64b943e579444d198d9d63a1ba72ab03", "name": "891 Choctawhatchee River Road, Ponce de Leon, FL 32455", "description": "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. 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