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About This Home

This 2-bedroom, 2-bathroom single family at 891 Choctawhatchee River Road in Ponce de Leon, FL is listed for $399,400 ($195 per sqft). Built in 1997, the home offers 2,052 sqft of living space on a 0.21 acres lot.

Agent 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) 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 Ced

ar 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

Key Features

  • Built in 1997
  • 0.21 acre lot
  • 2 stories
  • 6 parking spaces
  • Fireplace
  • Waterfront

Property Details

2 stories
2 full
6 spaces
1997

Amenities

FireplaceWaterfrontViewHardwoodA/C

Monthly Cost Estimate

$2,136/mo

20% down · 6.5% · 30 years

Principal$289
Interest$1,731
Insurance$116

Estimates only. Actual payments may vary.

Location

891 Choctawhatchee River Road

Ponce de Leon, FL 32455

CHOCTAWHATCHEE RIVER ESTATES

Features & Amenities

Interior Features

Breakfast BarBuilt-In BookcasesCeiling CathedralFireplaceGuest QuartersKitchen IslandLighting RecessedPantryWasher/Dryer HookupWoodwork Stained

Exterior Features

BalconyYard Building

Property Details

Flooring

TileHardwood

Construction

Frame Siding Wood Trim Wood

Views

River

Pool Features

PorchDeck

Parking

Oversize

Heating

Central

Cooling

Central Air

Appliances

DishwasherDisposalRange HoodRefrigerator W/IceMkSmooth Stovetop RngeStove/Oven ElectricWater Heater - Elect

Questions & Answers

This 2-bedroom, 2-bathroom single family at 891 Choctawhatchee River Road is listed at $399,400 ($195/sqft). The estimated monthly payment is $1,731 based on 20% down at 6.5% interest.

Key features include: Built in 1997, 0.21 acre lot, 2 stories, 6 parking spaces, Fireplace, Waterfront. Interior Features: Breakfast Bar, Built-In Bookcases, Ceiling Cathedral. Exterior Features: Balcony, Yard Building.

This property is listed by Karen K Martineau and can be reached at 8504996930 or karen@karenmartineau.com.

KM

Karen K Martineau

Agent at RE/MAX Coastal Properties

(850) 499-6930

Listed by RE/MAX Coastal Properties · View on Broker Site

MLS# 995860· Source: listhub· Updated 101 days ago

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.

891 Choctawhatchee River Road, Ponce de Leon, FL 32455

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