891 Choctawhatchee River Road
Ponce De Leon, FL 32455
- 2 beds
- 2 baths
- 2,052 sqft
- 9,147 sqft lot
- $178 per sqft
- 1997 build
- – on site
AFFORDABLE WATERFRONT w/SEPARATE APARTMENT, Just 35 miles to BWB & < 30 miles to 30A! Tired of traffic & tourist traps? Dreaming of a peaceful retreat to escape to, without giving up the beach & civilization? ideal as a primary Home, multi-occupancy 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 the expansive 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. SELLER TO REPLACE HVAC & REPLACE EXISTING METAL ROOF with a dimensional shingle roof prior to closing. 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
Last checked:
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Last updated May 23, 2025
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MLS# 977005 —
The Building
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Year Built:1997
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Construction Materials:Frame, Siding Wood, Trim Wood
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Building Area Total:2052.0
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Building Area Source:County PA Records
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Architectural Style:Cabin
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Stories:2
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Levels:None
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Exterior Features:Balcony, Yard Building
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Window Features:Window Treatment All
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Accessibility Features:None
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Direction Faces:None
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Patio And Porch Features:Deck Covered, Deck Enclosed, Porch, Porch Screened
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Foundation Details:Slab
Interior
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Furnished:Furnished - None
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Interior Features:Breakfast Bar, Built-In Bookcases, Ceiling Cathedral, Fireplace, Guest Quarters, Kitchen Island, Lighting Recessed, Pantry, Washer/Dryer Hookup, Woodwork Stained
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Rooms Total:15
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Fireplace:No
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Fireplaces Total:None
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Laundry Features:None
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Flooring:Floor Hardwood, Floor Tile
Room Dimensions
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Living Area:None
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Living Area Units:None
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Living Area Source:None
Financial & Terms
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Buyer Financing:Conventional, FHA, RHS, VA
Location
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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.
The Property
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Property Type:Residential
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Property Subtype:Detached Single Family
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Property Condition:Construction Complete
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Property Attached:None
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Lot Features:Bulkhead/Seawall, Flood Insurance Req, Interior, Level
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Lot Size Acres:0.21
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Lot Size Area:0.21
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Lot Size Dimensions:72 x 107 x 71 x 110
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Lot Size SqFt:9147.6
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Lot Size Units:Acres
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Zoning:Resid Single Family
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Possible Use:None
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Parcel Number:02-1S-17-07050-00B-0100
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Topography:None
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View:River
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Other Structures:Guest Quarters
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Waterfront:true
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Waterfront Features:River
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Water Body Name:None
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Road Surface Type:Paved
Listing Agent
- Contact info:
- No listing contact info available
Taxes
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Tax Year:2024
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Tax Annual Amount:1835.66
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Tax 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
Beds
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Bedrooms Total:2
Baths
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Total Baths:2.0
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Total Baths:2
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Full Baths:2
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Partial Baths:None
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Three Quarter Baths:None
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Quarter Baths:None
The Listing
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Virtual Tour URL Branded:None
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Home Warranty:No
Heating & Cooling
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Heating:Central
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Heating:true
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Cooling:Ceiling Fans, Central Air
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Cooling:true
Utilities
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Utilities:Electric
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Electric:None
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Sewer:Septic Tank
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Water Source:Well
Appliances
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Appliances:Dishwasher, Disposal, Range Hood, Refrigerator W/IceMk, Smooth Stovetop Rnge, Stove/Oven Electric, Water Heater - Elect
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Disposal:true
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Dishwasher:true
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Range:true
Schools
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Elementary School:Freeport
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Elementary School District:None
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Middle Or Junior School:Freeport
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Middle Or Junior School District:None
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High School:Freeport
The Community
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Subdivision Name:CHOCTAWHATCHEE RIVER ESTATES
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Community Features:Fishing, Waterfront
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Association:No
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Association Amenities:None
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Association Fee:None
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Pool Private:None
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Spa Features:None
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Pets Allowed:None
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Senior Community:No
Parking
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Garage Spaces:1.0
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Attached Garage:true
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Carport:false
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Parking Features:Oversized
Monthly cost estimate

Asking price
$365,800
Expense | Monthly cost |
---|---|
Mortgage
This calculator is intended for planning and education purposes only. It relies on assumptions and information provided by you regarding your goals, expectations and financial situation, and should not be used as your sole source of information. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice. |
$1,958
|
Taxes | $152 |
Insurance | $100 |
Utilities | $168 See report |
Total | $2,378/mo.* |
*This is an estimate |
Walk Score®
Provided by WalkScore® Inc.
Walk Score is the most well-known measure of walkability for any address. It is based on the distance to a variety of nearby services and pedestrian friendliness. Walk Scores range from 0 (Car-Dependent) to 100 (Walker’s Paradise).
Bike Score®
Provided by WalkScore® Inc.
Bike Score evaluates a location's bikeability. It is calculated by measuring bike infrastructure, hills, destinations and road connectivity, and the number of bike commuters. Bike Scores range from 0 (Somewhat Bikeable) to 100 (Biker’s Paradise).
Air Pollution Index
Provided by ClearlyEnergy
The air pollution index is calculated by county or urban area using the past three years data. The index ranks the county or urban area on a scale of 0 (best) - 100 (worst) across the United Sates.
Sale history
Date | Event | Source | Price | % Change |
---|---|---|---|---|
5/22/25
May 22, 2025
|
Listed / Active | ECARMLS | $365,800 | 26.1% (7.9% / YR) |
1/31/22
Jan 31, 2022
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ECARMLS | $290,000 |