891 Choctawhatchee River Rd

2,052 Sq. Ft.
$195 / Sq. Ft.
2,052
Sq. Ft.
$195
per Sq. Ft.

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...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 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
  1. Listed by Karen K Martineau • Brokerage DRE #1006027 • RE/MAX Coastal Properties
    P: (850)-499-6930 C: (850)-499-6930 karen@karenmartineau.com
  2. Listed by Glenda W Lichorwic • Brokerage DRE #1006027 • RE/MAX Coastal Properties
    P: (850)-496-1400 C: (850)-496-1400 glenda@glendalichorwic.com

Property Details for 891 Choctawhatchee River Road

Waterfront Features
River
View
River
Zoning
Resid Single Family
Architectural Style
Cabin
Subdivision Name
CHOCTAWHATCHEE RIVER ESTATES
Waterfront YN
Yes
LISTING UPDATED: 03/26/2026 05:17 PM

Property Details for 891 Choctawhatchee River Road

StatusActive
MLS #995860
Days on Market36
Taxes$1,836 / year
HOA Fees-
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Detached Single Family
Year Built1997
Lot Size0.21 AC / 9,147 SF
CountyWalton County

Location

Listing Courtesy of RE/MAX Coastal Properties
Add your commute

Building Information for 891 Choctawhatchee River Road

Stories2Year Built1997Building Size-Lot Size0.21 AC / 9,147 SF

Payment Calculator

$2,091 per month

30 year fixed, 6.11% Interest

Principal and Interest

$1,938

Property Taxes

$153

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 891 Choctawhatchee River Road

Summary
Location and General Information
  • Community Features: Fishing, Waterfront
  • 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.
  • MLS Area Minor: 2011 - SE of Blackcreek/S. of 20 to Choctawhatchee River
  • MLS Area Major: 20 - Freeport
  • Latitude: 30.440482
  • Longitude: -85.920813
  • Location Tax and Legal:Sub Area: 2011 - SE of Blackcreek/S. of 20 to Choctawhatchee River
  • Location Tax and Legal:Elementary School: Freeport
  • Location Tax and Legal:Middle School: Freeport
  • Location Tax and Legal:High School: Freeport
  • Location Tax and Legal: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
  • Project Facilities: Fishing, Waterfront
  • Garage: true
Taxes and HOA
  • 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
  • Parcel Number: 02-1S-17-07050-00B-0100
  • Association Fee: $0
  • Tax Annual Amount: $1,836
  • Listing Info Tax Legal:Last Taxes: $1,836
  • Listing Info Tax Legal:Last Tax Year: 2024.0
School Information
  • Elementary School: Freeport
  • Middle Or Junior School: Freeport
  • High School: Freeport
Parking
  • Carport YN: No
  • Attached Garage YN: Yes
  • Parking Features: Oversized
  • Garage Spaces: 1.0
  • General Property Info:Driveway Spaces: 5.0
  • Parking Features: Garage Attached, Oversized
Property
Lot Information
  • Building Area Source: County PA Records
  • Lot Size Dimensions: 72 x 107 x 71 x 110
  • Lot Size Acres: 0.21
  • Lot Size Area: 0.21
  • Lot Size Units: Acres
  • Property Condition: Construction Complete
  • Other Structures: Guest Quarters
  • Lot Features: Bulkhead/Seawall, Flood Insurance Req, Interior, Level
  • Building Area Total: 2052.0
  • Lot Size Square Feet: 9147.6
  • General Property Info:SqFt Source: County PA Records
  • Waterfront: River
  • Waterfront Feet 2: 71
  • Waterview: River2
  • LotParcel Access: Paved Road
  • Lot Features: BulkheadSeawall, Flood Insurance Req, Interior, Level
Property and Assessments
  • Road Surface Type: Paved
  • Tax Year: 2024.0
  • Floor Plans Count: 0.0
  • Property Type: Residential
  • Year Built: 1997.0
  • Property Sub Type: Detached Single Family
  • New Construction YN: No
  • General Property Info:Sub-Type: Detached Single Family
  • General Property Info:Design: Cabin
  • Listing Info Tax Legal:Homestead: false
  • Construction Status: Construction Complete
  • Construction Siding: Frame, Roof Metal, Siding Wood, Slab, Trim Wood
  • Occupancy Status: Vacant
Utilities
  • Sewer: Septic Tank
  • Utilities: Electric
  • Water Source: Well
  • Electric: True
  • Utilities: Electric, Private Well, Septic Tank
  • Energy: AC - Central Elect, Ceiling Fans, Heat Cntrl Electric, Water Heater - Elect
Interior and Exterior Features
Exterior Features
  • Exterior Features: Balcony, Yard Building
  • Construction Materials: Frame, Siding Wood, Trim Wood
  • Foundation Details: Slab
  • Stories: 2.0
  • Patio And Porch Features: Deck Covered, Deck Enclosed, Porch, Porch Screened
  • General Property Info:Pool: No
  • General Property Info:Pool Type: None
  • Exterior: Balcony, Deck Covered, Deck Enclosed, Guest Quarters, Porch, Porch Screened, Yard Building
Interior Features
  • Heating: Central
  • Cooling: Ceiling Fans, Central Air
  • Interior Features: Breakfast Bar, Built-In Bookcases, Ceiling Cathedral, Fireplace, Guest Quarters, Kitchen Island, Lighting Recessed, Pantry, Washer/Dryer Hookup, Woodwork Stained
  • Flooring: Floor Hardwood, Floor Tile
  • Window Features: Window Treatment All
  • Room Type: Living Room, Kitchen, Dining Area, Master Bedroom, Master Bathroom, Laundry, Screened Porch, Balcony, Garage, Separate Apartment, Bedroom, Full Bathroom, Bonus Room, Covered Porch
  • Rooms Total: 15.0
  • Bathrooms Total Integer: 2.0
  • Bathrooms Total Decimal: 2.0
  • Bathrooms Total Notational: 2.0
  • Cooling YN: Yes
  • Heating YN: Yes
  • Bedrooms Total: 2.0
  • Bathrooms Full: 2.0
  • Bathrooms Half: 0.0
  • Interior: Breakfast Bar, Built-In Bookcases, Ceiling Cathedral, Fireplace, Floor Hardwood, Floor Tile, Furnished - None, Guest Quarters2, Kitchen Island, Lighting Recessed, Pantry, WasherDryer Hookup, Window Treatment All, Woodwork Stained
  • Appliances: Dishwasher, Disposal, Range Hood, Refrigerator WIceMk, Smooth Stovetop Rnge, StoveOven Electric
Room Information
Room 1
  • Room Type: Living Room
  • Room Level: Second
  • Room Length: 23.83
  • Room Width: 27.42
  • Room Dimensions: 23.83 x 27.42
Room 2
  • Room Type: Kitchen
  • Room Level: Second
  • Room Length: 11.0
  • Room Width: 23.17
  • Room Dimensions: 11 x 23.17
Room 3
  • Room Type: Dining Area
  • Room Level: Second
  • Room Length: 8.0
  • Room Width: 23.17
  • Room Dimensions: 8 x 23.17
Room 4
  • Room Type: Master Bedroom
  • Room Level: Second
  • Room Length: 11.75
  • Room Width: 14.75
  • Room Dimensions: 11.75 x 14.75
Room 5
  • Room Type: Master Bathroom
  • Room Level: Second
  • Room Length: 11.67
  • Room Width: 7.83
  • Room Dimensions: 11.67 x 7.83
Room 6
  • Room Type: Laundry
  • Room Level: Second
  • Room Length: 6.33
  • Room Width: 2.33
  • Room Dimensions: 6.33 x 2.33
Room 7
  • Room Type: Screened Porch
  • Room Level: Second
  • Room Length: 11.25
  • Room Dimensions: 11.25 x 18
Room 8
  • Room Type: Balcony
  • Room Level: Second
  • Room Length: 7.58
  • Room Width: 23.83
  • Room Dimensions: 7.58 x 23.83
Room 9
  • Room Type: Garage
  • Room Level: First
  • Room Length: 31.0
  • Room Width: 11.17
  • Room Dimensions: 31 x 11.17
Room 10
  • Room Type: Separate Apartment
  • Room Level: First
  • Room Length: 14.83
  • Room Width: 11.42
  • Room Description: w/ Kitchenette
  • Room Dimensions: 14.83 x 11.42
Room 11
  • Room Type: Bedroom
  • Room Level: First
  • Room Length: 10.17
  • Room Width: 11.5
  • Room Description: w/ Walk-in Closet
  • Room Dimensions: 10.17 x 11.5
Room 12
  • Room Type: Full Bathroom
  • Room Level: First
  • Room Length: 5.08
  • Room Width: 7.17
  • Room Dimensions: 5.08 x 7.17
Multi Family
Multi Family Information
  • Furnished: Furnished - None
Rental
Rent Information
  • General Property Info:Immediate Occupancy: true
  • Listing Info Tax Legal:Is Subject Leased: false

Property History for 891 Choctawhatchee River Road

DateEvent & SourcePriceAppreciation
Mar 26, 2026

Price Change

ECAR #995860

$399,400—
Feb 20, 2026

Listed (Active)

ECAR #995860

$409,400—
Sep 5, 2025

Sold (Public Record)

Public Record #1912701572

$340,000

+4.5% / yr

Sep 5, 2025

Sold

ECAR #977005

$340,000—
Jul 23, 2025

Pending

ECAR #977005

—
May 23, 2025

Listed (Active)

ECAR #977005

$365,800—
Jan 31, 2022

Sold (Public Record)

Public Record #1482551348

$290,000

+1.0% / yr

Jan 31, 2022

Sold

ECAR #885829

$290,000—
Dec 10, 2021

Pending

ECAR #885829

—
Nov 15, 2021

Listed (Active)

ECAR #885829

$325,000—
Jun 3, 2020

Withdrawn

ECAR #841858

$240,000—
Mar 4, 2020

Expired

ECAR #822353

$240,000—
Mar 4, 2020

Listed (Active)

ECAR #841858

$240,000—
Mar 2, 2020

Listed (Active)

ECAR #822353

$240,000—
Nov 1, 2016

Expired

CPAR #645457

$239,000—
Apr 25, 2016

Listed (Active)

CPAR #645457

$239,000—
Sep 1, 2015

Expired

CPAR #622805

$238,000—
Dec 31, 2014

Expired

ECAR #711344

—
Aug 2, 2014

Listed (Active)

CPAR #622805

$239,000—
Aug 1, 2014

Listed (Active)

ECAR #711344

$239,000—
Oct 10, 2013

Expired

CPAR #608030

$239,000—
Oct 9, 2013

Expired

ECAR #595100

—
Apr 11, 2013

Listed (Active)

CPAR #608030

$269,000—
Apr 8, 2013

Listed (Active)

ECAR #595100

$239,000—
Jan 31, 2013

Expired

ECAR #578067

—
May 25, 2012

Listed (Active)

ECAR #578067

$278,000—
Mar 1, 2012

Expired

CPAR #415252

$279,000—
Mar 20, 2011

Listed (Active)

CPAR #415252

$279,000—
Mar 26, 2010

Expired

ECAR #516533

$300,000—
Mar 26, 2010

Expired

CPAR #392496

$300,000—
May 18, 2009

Listed (Active)

ECAR #516533

$300,000—
Mar 6, 2009

Listed (Active)

CPAR #392496

$300,000—
Aug 10, 2007

Sold (Public Record)

Public Record #224904614

$250,000—
Aug 10, 2007

Sold

ECAR #471006

$250,000—
Jul 28, 2007

Pending

ECAR #471006

—
Jul 22, 2007

Listed (Active)

ECAR #471006

$289,000—
Sep 20, 1997

Expired

ECAR #104223

$89,900—
Aug 9, 1997

Listed (Active)

ECAR #104223

$89,900—
DateEvent & SourcePrice
03/26/2026

Price Change

ECAR #995860

$399,400
02/20/2026

Listed (Active)

ECAR #995860

$409,400
09/05/2025

Sold (Public Record)

Public Record #1912701572

$340,000

+4.5% / yr

09/05/2025

Sold

ECAR #977005

$340,000
07/23/2025

Pending

ECAR #977005

—
05/23/2025

Listed (Active)

ECAR #977005

$365,800
01/31/2022

Sold (Public Record)

Public Record #1482551348

$290,000

+1.0% / yr

01/31/2022

Sold

ECAR #885829

$290,000
12/10/2021

Pending

ECAR #885829

—
11/15/2021

Listed (Active)

ECAR #885829

$325,000
06/03/2020

Withdrawn

ECAR #841858

$240,000
03/04/2020

Expired

ECAR #822353

$240,000
03/04/2020

Listed (Active)

ECAR #841858

$240,000
03/02/2020

Listed (Active)

ECAR #822353

$240,000
11/01/2016

Expired

CPAR #645457

$239,000
04/25/2016

Listed (Active)

CPAR #645457

$239,000
09/01/2015

Expired

CPAR #622805

$238,000
12/31/2014

Expired

ECAR #711344

—
08/02/2014

Listed (Active)

CPAR #622805

$239,000
08/01/2014

Listed (Active)

ECAR #711344

$239,000
10/10/2013

Expired

CPAR #608030

$239,000
10/09/2013

Expired

ECAR #595100

—
04/11/2013

Listed (Active)

CPAR #608030

$269,000
04/08/2013

Listed (Active)

ECAR #595100

$239,000
01/31/2013

Expired

ECAR #578067

—
05/25/2012

Listed (Active)

ECAR #578067

$278,000
03/01/2012

Expired

CPAR #415252

$279,000
03/20/2011

Listed (Active)

CPAR #415252

$279,000
03/26/2010

Expired

ECAR #516533

$300,000
03/26/2010

Expired

CPAR #392496

$300,000
05/18/2009

Listed (Active)

ECAR #516533

$300,000
03/06/2009

Listed (Active)

CPAR #392496

$300,000
08/10/2007

Sold (Public Record)

Public Record #224904614

$250,000
08/10/2007

Sold

ECAR #471006

$250,000
07/28/2007

Pending

ECAR #471006

—
07/22/2007

Listed (Active)

ECAR #471006

$289,000
09/20/1997

Expired

ECAR #104223

$89,900
08/09/1997

Listed (Active)

ECAR #104223

$89,900

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 891 Choctawhatchee River Road

Taxable ValueLand$19,800Additions$188,615Total$208,415
Tax Record2024$1,836 ($153 / month)
Home Facts
Beds2Total Finished SqFt2,052 SqFtAbove Grade Finished SqFt2,052 SqFtStories2Lot Size9,322 SqFtStyleSingle Family ResidenceYear Built1997CountyWALTONAPN02-1S-17-07050-00B-0100Fireplace TypeHas Fireplace

Schools near 891 Choctawhatchee River Road

This home is within Walton.
Rating
School
Type
Grades
Distance
Public - K to 4
Public - 5 to 8
Public - 9 to 12
Charter - 5 to 12
Rating
School
Distance
Freeport Elementary School
PublicK to 4

Freeport Middle School
Public5 to 8

Freeport Senior High School
Public9 to 12

Seaside Neighborhood School
Charter5 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

Similar Homes

Similar Sold Homes

891 Choctawhatchee River Road is a single family home for sale in Ponce de Leon, FL 32455. This property was listed for sale on February 20, 2026 by RE/MAX Coastal Properties, it's currently listed at $399,400. It has been on the market for a total of 36 days and was last sold on September 5, 2025. This listing's school district is Walton. Nearby schools include Freeport Elementary School, Freeport Middle School and Freeport Senior High School. 891 Choctawhatchee River Road is a 2-bed, 2-bath, 2,052 sqft single family home built in 1997.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of RE/MAX Coastal Properties

The data relating to real estate for sale/lease on this web site come in part from a cooperative data exchange program of the Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. The properties displayed may not be all of the properties in the MLS's database, or all of the properties listed with Brokers participating in the cooperative data exchange program. Information deemed reliable but not guaranteed. Copyright© 2026 Emerald Coast Association of REALTORS, Central Panhandle Association of REALTORS, Pensacola Association of REALTORS and Capital Area Technology & REALTOR Services. All Rights Reserved.