PRICED 15K 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 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.
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
For sale
$409,400
891 Choctawhatchee River Rd, Bruce, FL 32455
2beds
2,052sqft
Est.:
Single Family Residence
Built in 1997
9,147.6 Square Feet Lot
$-- Zestimate®
$200/sqft
$-- HOA
What's special
Cedar sidedCovered porch swingSoaring ceilingCustom built-in bookcasesHuge living spaceDeep double-bowl sinkCozy wood-burning fireplace
- 5 days |
- 450 |
- 23 |
Likely to sell faster than
Zillow last checked: 8 hours ago
Listing updated: February 20, 2026 at 11:45am
Listed by:
Karen K Martineau 850-499-6930,
RE/MAX Coastal Properties,
Glenda W Lichorwic 850-496-1400,
RE/MAX Coastal Properties
Source: ECAOR,MLS#: 995860
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Level: Second
- Area: 173.31 Square Feet
- Dimensions: 11.75 x 14.75
Bedroom
- Description: w/ Walk-in Closet
- Level: First
- Area: 116.96 Square Feet
- Dimensions: 10.17 x 11.5
Primary bathroom
- Level: Second
- Area: 91.38 Square Feet
- Dimensions: 11.67 x 7.83
Bathroom
- Level: First
- Area: 36.42 Square Feet
- Dimensions: 5.08 x 7.17
Other
- Level: Second
- Area: 180.63 Square Feet
- Dimensions: 7.58 x 23.83
Bonus room
- Level: First
- Area: 193.83 Square Feet
- Dimensions: 10.92 x 17.75
Other
- Level: First
- Area: 421.56 Square Feet
- Dimensions: 23.42 x 18
Dining area
- Level: Second
- Area: 185.36 Square Feet
- Dimensions: 8 x 23.17
Garage
- Level: First
- Area: 346.27 Square Feet
- Dimensions: 31 x 11.17
Kitchen
- Level: Second
- Area: 254.87 Square Feet
- Dimensions: 11 x 23.17
Laundry
- Level: Second
- Area: 14.75 Square Feet
- Dimensions: 6.33 x 2.33
Living room
- Level: Second
- Area: 653.42 Square Feet
- Dimensions: 23.83 x 27.42
Screened porch
- Level: Second
- Area: 202.5 Square Feet
- Dimensions: 11.25 x 18
Screened porch
- Level: First
- Area: 86.85 Square Feet
- Dimensions: 7.5 x 11.58
Other
- Description: w/ Kitchenette
- Level: First
- Area: 169.36 Square Feet
- Dimensions: 14.83 x 11.42
Heating
- Central
Cooling
- Central Air, Ceiling Fan(s)
Appliances
- Included: Dishwasher, Disposal, Range Hood, Electric Water Heater
- Laundry: Washer/Dryer Hookup
Features
- Breakfast Bar, Bookcases, Cathedral Ceiling(s), In-Law Floorplan, Kitchen Island, Recessed Lighting, Pantry, Natural Woodwork
- Flooring: Hardwood, Tile
- Windows: Window Treatments
- Has fireplace: Yes
- Common walls with other units/homes: No Common Walls
Interior area
- Total structure area: 2,052
- Total interior livable area: 2,052 sqft
Property
Parking
- Total spaces: 1
- Parking features: Oversized
- Attached garage spaces: 1
Features
- Stories: 2
- Patio & porch: Covered, Enclosed, Porch, Screened
- Exterior features: Balcony
- Has view: Yes
- View description: River
- Has water view: Yes
- Water view: River
- Waterfront features: River Front, Seawall
Lot
- Size: 9,147.6 Square Feet
- Dimensions: 72 x 107 x 71 x 110
- Features: Flood Insurance Req, Interior Lot, Level
Details
- Additional structures: Guest House, Yard Building
- Parcel number: 021S170705000B0100
- Zoning description: Resid Single Family
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Cabin
- Property subtype: Single Family Residence
Materials
- Frame, Wood Siding, Trim Wood
- Foundation: Slab
- Roof: Metal
Condition
- Construction Complete
- New construction: No
- Year built: 1997
Utilities & green energy
- Sewer: Septic Tank
Community & HOA
Community
- Features: Fishing, Waterfront
- Subdivision: CHOCTAWHATCHEE RIVER ESTATES
Location
- Region: Bruce
Financial & listing details
- Price per square foot: $200/sqft
- Tax assessed value: $210,835
- Annual tax amount: $1,835
- Date on market: 2/20/2026
- Road surface type: Paved
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 2/20/2026 | Listed for sale | $409,400+20.4%$200/sqft |
Source: | ||
| 9/5/2025 | Sold | $340,000+1.5%$166/sqft |
Source: | ||
| 7/24/2025 | Pending sale | $335,000$163/sqft |
Source: | ||
| 7/3/2025 | Price change | $335,000-8.4%$163/sqft |
Source: | ||
| 5/23/2025 | Listed for sale | $365,800+11.2%$178/sqft |
Source: | ||
| 4/6/2025 | Listing removed | -- |
Source: Owner Report a problem | ||
| 3/4/2025 | Listed for sale | $329,000+13.4%$160/sqft |
Source: Owner Report a problem | ||
| 1/31/2022 | Sold | $290,000-10.8%$141/sqft |
Source: | ||
| 12/10/2021 | Pending sale | $325,000$158/sqft |
Source: | ||
| 11/15/2021 | Listed for sale | $325,000+35.4%$158/sqft |
Source: | ||
| 5/5/2020 | Listing removed | $240,000$117/sqft |
Source: Team Walton Real Estate Professionals #841858 Report a problem | ||
| 3/4/2020 | Listed for sale | $240,000$117/sqft |
Source: Team Walton Real Estate Professionals #841858 Report a problem | ||
| 1/1/2020 | Listing removed | $240,000$117/sqft |
Source: Team Walton Real Estate Professionals #822353 Report a problem | ||
| 10/21/2019 | Listed for sale | $240,000+0.4%$117/sqft |
Source: Team Walton Real Estate Professionals #822353 Report a problem | ||
| 11/1/2016 | Listing removed | $239,000$116/sqft |
Source: Counts Real Estate Group Inc #645457 Report a problem | ||
| 4/25/2016 | Listed for sale | $239,000+0.4%$116/sqft |
Source: Counts Real Estate Group Inc #645457 Report a problem | ||
| 9/3/2015 | Listing removed | $238,000$116/sqft |
Source: Prudential Shimmering Sands Realty #622805 Report a problem | ||
| 8/12/2015 | Listed for sale | $238,000$116/sqft |
Source: Prudential Shimmering Sands Realty #622805 Report a problem | ||
| 7/10/2015 | Listing removed | $238,000$116/sqft |
Source: Prudential Shimmering Sands RE #622805 Report a problem | ||
| 5/5/2015 | Price change | $238,000-0.4%$116/sqft |
Source: Prudential Shimmering Sands RE #622805 Report a problem | ||
| 8/3/2014 | Listed for sale | $239,000$116/sqft |
Source: Prudential Shimmering Sands Realty #622805 Report a problem | ||
| 10/10/2013 | Listing removed | $239,000$116/sqft |
Source: Counts Real Estate Group Inc #608030 Report a problem | ||
| 4/12/2013 | Listed for sale | $239,000-14.3%$116/sqft |
Source: Vflyer Homes #595100 Report a problem | ||
| 3/25/2012 | Listing removed | $279,000$136/sqft |
Source: Counts Real Estate Group #415252 Report a problem | ||
| 3/24/2011 | Listed for sale | $279,000+11.6%$136/sqft |
Source: Visual Tour #415252 Report a problem | ||
| 8/10/2007 | Sold | $250,000+48.8%$122/sqft |
Source: Public Record Report a problem | ||
| 10/8/2004 | Sold | $168,000$82/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $1,836 -0.7% | $210,835 -1.1% |
| 2023 | $1,849 +126.2% | $213,255 +71.8% |
| 2022 | $817 -0.9% | $124,107 +3% |
| 2021 | $825 -1.5% | $120,492 +1.4% |
| 2020 | $837 +3.4% | $118,828 +2.1% |
| 2019 | $810 | $116,359 +1.9% |
| 2018 | $810 +2.1% | $114,189 +0.6% |
| 2017 | $794 +0.4% | $113,471 +2.1% |
| 2016 | $790 +1.7% | $111,137 +0.7% |
| 2015 | $777 -0.8% | $110,364 -1% |
| 2014 | $783 | $111,533 -1% |
| 2013 | -- | $112,701 -1.9% |
| 2012 | -- | $114,873 +3% |
| 2011 | -- | $111,527 +1.7% |
| 2010 | -- | $109,636 -2.2% |
| 2009 | -- | $112,045 -4% |
| 2008 | -- | $116,732 +22.2% |
| 2007 | -- | $95,496 +14.8% |
| 2005 | -- | $83,207 +4.1% |
| 2004 | -- | $79,895 +2.6% |
| 2003 | -- | $77,841 +2.7% |
| 2002 | -- | $75,785 +1.8% |
| 2001 | -- | $74,426 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$2,222/mo
Principal & interest
$1905
Property taxes
$317
Climate risks
Neighborhood: 32455
Nearby schools
GreatSchools rating
- 7/10West Defuniak Elementary SchoolGrades: K-5Distance: 10.9 mi
- 7/10Walton Middle SchoolGrades: 6-8Distance: 9.2 mi
- 6/10Walton High SchoolGrades: 9-12Distance: 10.9 mi
Schools provided by the listing agent
- Elementary: Freeport
- Middle: Freeport
- High: Freeport
Source: ECAOR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.







