See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

891 Choctawhatchee River Rd, Bruce, FL, 32455

2beds
2baths
2,052sqft
$389,400
$190price/sqft
$2,628/moest. monthly cost
$105,120/yrincome needed

About This Home

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

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Freeport Elementary SchoolGrades PK-412.4 mi
7/10
Freeport Middle SchoolGrades 5-813.3 mi
8/10
Freeport Senior High SchoolGrades 9-1213.7 mi

Construction

Condition

  • Property condition: Construction Complete
  • Year built: 1997

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Frame,Wood Siding,Trim Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Range Hood,Electric Water Heater
  • Laundry features: Washer/Dryer Hookup

Bathroom

  • Level: First
  • Area: 36.4236
  • Dimensions: 5.08 x 7.17

Bedroom

  • Level: First
  • Area: 116.955
  • Dimensions: 10.17 x 11.5

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Bonus Room

  • Level: First
  • Area: 193.83
  • Dimensions: 10.92 x 17.75

Dining Area

  • Level: Second
  • Area: 185.36
  • Dimensions: 8 x 23.17

Features

  • Breakfast Bar,Bookcases,Cathedral Ceiling(s),In-Law Floorplan,Kitchen Island,Recessed Lighting,Pantry,Natural Woodwork
  • Window features: Window Treatments
  • Flooring: Hardwood,Tile
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Garage

  • Level: First
  • Area: 346.27
  • Dimensions: 31 x 11.17

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 2,052
  • Total interior livable area: 2,052 sqft

Kitchen

  • Level: Second
  • Area: 254.87
  • Dimensions: 11 x 23.17

Laundry

  • Level: Second
  • Area: 14.7489
  • Dimensions: 6.33 x 2.33

Living Room

  • Level: Second
  • Area: 653.4186
  • Dimensions: 23.83 x 27.42

Master Bathroom

  • Level: Second
  • Area: 91.3761
  • Dimensions: 11.67 x 7.83

Master Bedroom

  • Level: Second
  • Area: 173.3125
  • Dimensions: 11.75 x 14.75

Other

  • Level: Second
  • Area: 180.6314
  • Dimensions: 7.58 x 23.83

Other

  • Level: First
  • Area: 421.56
  • Dimensions: 23.42 x 18

Other

  • Level: First
  • Area: 169.3586
  • Dimensions: 14.83 x 11.42

Screened Porch

  • Level: Second
  • Area: 202.5
  • Dimensions: 11.25 x 18

Screened Porch

  • Level: First
  • Area: 86.85
  • Dimensions: 7.5 x 11.58

Property

Details

  • Parcel number: 021S170705000B0100
  • Zoning description: Resid Single Family

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
  • On waterfront: Yes
  • Waterfront features: River Front,Seawall

Lot

  • Lot size: 9,147 sqft
  • Features: Flood Insurance Req,Interior Lot,Level
  • Lot size dimensions: 72 x 107 x 71 x 110

Parking

  • Total spaces: 1
  • Parking features: Oversized
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Wildfire
Tsunami

FEMA Declared Disasters in Walton County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,969$23,628
Home Insurance *$159$1,908
Property Taxes $294$3,528
Electricity $206$2,478
Total$2,628$31,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,102/yr
40% on housing$78,840/yr
45% on housing$70,080/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.1%
16.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 8.0%
8.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$190This listing

vs Other Active Listings

Avg $/sqft

ZIP 32455$117
Walton County$485

vs Homes Sold Last Month

Median $/sqft

ZIP 32455$207
Walton County$400

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-26Price change$399,400
2026-02-20Listed for sale$409,400
2025-09-05Sold$340,000
2025-07-24Pending sale$335,000
2025-07-03Price change$335,000
2025-05-23Listed for sale$365,800
2025-04-06Listing removed--
2025-03-04Listed for sale$329,000
2022-01-31Sold$290,000
2021-12-10Pending sale$325,000
2021-11-15Listed for sale$325,000
2020-05-05Listing removed$240,000
2020-03-04Listed for sale$240,000
2020-01-01Listing removed$240,000
2019-10-21Listed for sale$240,000
2016-11-01Listing removed$239,000
2016-04-25Listed for sale$239,000
2015-09-03Listing removed$238,000
2015-08-12Listed for sale$238,000
2015-07-10Listing removed$238,000
2015-05-05Price change$238,000
2014-08-03Listed for sale$239,000
2013-10-10Listing removed$239,000
2013-04-12Listed for sale$239,000
2012-03-25Listing removed$279,000
2011-03-24Listed for sale$279,000
2007-08-10Sold$250,000
2004-10-08Sold$168,000

For Sale by Agent

AgentKaren K Martineau
BrokerageRE/MAX Coastal Properties

Similar Homes