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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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439 Big Cedar Rd , Ponce De Leon, FL 32455
$279,900
Est. Payment: $1,419.60/mo
3 Bed
2 Bath
1344 Sqft
Status: pending | Days on site: 53
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

This 3-bedroom home sits on the peaceful banks of the Choctawhatchee River, offering beautiful views, incredible fishing, and direct access to the outdoor lifestyle that makes Northwest Florida so special. Whether you're looking for a full-time residence, weekend retreat, fish camp, or investment opportunity, this property offers endless potential. The home features vaulted ceilings, a fireplace, custom built-ins, and stunning river views from the living area and back porch. Located just seconds from the public boat ramp and approximately 20 minutes from Panama City Beach, you'll enjoy the perfect balance of privacy, recreation, and convenience. Recent cosmetic updates have given the home a fresh, clean feel while still leaving plenty of opportunity for a new owner to make it their own. Priced aggressively and offering an excellent opportunity to build equity, this is one of the most affordable riverfront properties on the market. Seller is motivated and welcomes offers. Schedule your showing today and experience the potential for yourself.

Highlights

Listed by Mark Cowart , 850-832-6000 and Kaitlyn Fucci , 850-814-6839 Counts Real Estate Group Inc , 850-231-1483. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.27

Year Built

1989

County

Walton

Area

12 - Walton County

Neighborhood

No Named Subdivision

Listing ID

792426

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven, Electric Range
Other:
  • Additional:Main Level Primary

Exterior Features

Lot Dimensions:75.0 ft x 159.0 ft
Roof:Metal
Others:
  • Additional:Covered Patio
Principal Interest
$1,420
Taxes
$127

Home Price

$279,900

Loan Details

30 yrs
6.529%

Down Payment

20%
$55,980
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$1,419.60

Principal

Taxes

Principal Taxes HOA Total
Monthly $1,419.60 $126.51 $0.00 $1,546.11
Yearly $17,035.20 $1,518.10 $0.00 $18,553.30
Total $511,056.00 $45,543.00 $0.00 $556,599.00

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Ponce De Leon, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS