Walton County property record for 891 Choctawhatchee River Rd, Ponce De Leon, FL 32455
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,052 sqft · built 1997 |
| Lot Size | 0.214 acres (9,322 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Sep 2025) |
| Tax Bill | $1,835 (2024) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Feb 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 02-1S-17-07050-00B-0100 |
| Primary APN | 02-1S-17-07050-00B-0100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,052 sqft Living Area |
| Gross Area | 3,309 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Wood Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,322 sqft (0.214 acres) |
| Lot Dimensions | 13 ft deep x 7.2 ft wide |
| Garage Type | Unfinished |
| Garage Area | 384 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 500 sqft |
| Deck Area | Deck Area |
| Patio Area | 333 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1001870 |
|---|---|
| Street Address | 891 CHOCTAWHATCHEE RIVER RD |
| City | PONCE DE LEON |
| State | FL |
| Zip | 32455-4531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| 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 |
| Legal Range | 17W |
| Legal Township | 01S |
| Legal Section | 02 |
| Legal Subdivision | CHOCTAWHATCHEE RIVER EST |
| Legal Block | B |
| Legal Lot Number | 10 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 950501 |
891 Choctawhatchee River Rd is owned by an individual who bought it in September 2025.
Source: Walton County records, as of December 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3616 COLBY AVE, EVERETT, WA 98201-4773 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 8, 2025 | Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE |
| Feb 1, 2022 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2025 · Amount on File |
| Deed Sale | Sep 8, 2025 · Amount on File |
| Prior Sale | Feb 1, 2022 · Amount on File |
| Deed Document Number | 20250032203 |
| Deed Book / Page | 3370 / 923 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 8, 2025 |
| Property Address | 891 CHOCTAWHATCHEE RIVER RD, PONCE DE LEON, FL 32455-4531 |
| Document Number | 0033700923 |
| Book / Page | 3370 / 923 |
| Map Reference | MB 5 PG 23&23A |
| Instrument Date | Sep 5, 2025 |
| Instrument | 20250032203 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | OSPREY TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 812 MARQUITA WAY, FREEPORT, FL 32439 |
| Name | Verified Name |
|---|---|
| Address | 3616 COLBY AVE # 317, EVERETT, WA 98201-4773 |
| Document Number | 0003370925 |
|---|---|
| Date | Sep 8, 2025 |
| Instrument | 3370/925 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Feb 1, 2022 |
| Property Address | 891 CHOCTAWHATCHEE RIVER RD, PONCE DE LEON, FL 32455-4531 |
| Document Number | 0032363622 |
| Book / Page | 3236 / 3622 |
| Map Reference | MB 5 PG 23&23A |
| Instrument Date | Jan 31, 2022 |
| Instrument | 20220004550 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2023 |
| Title Company | CLEAR TITLE AND ESCROW LLC, CLEAR TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 85 SUE LN, DEFUNIAK SPRINGS, FL 32435-7818 |
| Name | Verified Name |
|---|---|
| Address | 891 CHOCTAWHATCHEE RIVER RD, PONCE DE LEON, FL 32455-4531 |
| Document Number | 0032363624 |
|---|---|
| Date | Feb 1, 2022 |
| Instrument | 3236/3624 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $208,415 (-1.15%) Land $19,800 Building $188,615 | $208,415 (-1.15%) Land $19,800 Building $188,615 | |
| 2024 | $1,835.00 (-0.7%) | $210,835 (-1.13%) Land $19,800 Building $191,035 | $210,835 (-1.13%) Land $19,800 Building $191,035 |
| 2023 | $1,848.00 (+126.19%) | $213,255 (+18.52%) Land $19,800 Building $193,455 | $213,255 (+18.52%) Land $19,800 Building $193,455 |
| 2022 | $817.00 Homeowner's exemption | $179,934 Land $7,581 Building $172,353 | $179,934 Land $7,581 Building $172,353 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 891 Choctawhatchee River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 26 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 26 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 891 Choctawhatchee River Rd is moderate, ranking above 55% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 55% of the US · lower than 73% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
5G and 4G LTE (outdoors only)
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