Hammock Bay
Homes for Sale in Freeport, FL
All 379 homes for sale in Freeport, FL · median $428,000 · 373 homes for sale in 32439 · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Emerald Coast MLS
As of September 2026, Hammock Bay in Freeport, FL has 55 homes for sale and 23 pending, asking from $279,900 to $1,595,000 (median $520,000). Over the 12 months ending 2026-09-20, 104 recorded sales closed at a median of $495,000, a median 56 days on market, sellers accepting 96% of original asking (-8% versus the prior year). Homes listed or recently sold were built 2007–2026 with 17 new construction; none of the 77 geocoded homes sit in a FEMA special flood hazard zone (median elevation 47 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $4,830 ($4,440 with the full homestead exemption).
Neighborhoods in the Hammock Bay area
MLS subdivisions in the same ZIP codes within Freeport, FL, placed by location around Hammock Bay (distance from the community centre). They are not necessarily part of the Hammock Bay plan.
- Hammock Oaks Estates · 6 for sale · 0.9 mi
- Magnolia Bay Estates · 1 for sale · 1.1 mi
- Waterview Cove · 1 for sale · 1.0 mi
- Hammock Oak Estates · 1 for sale · 1.0 mi
- Hammock Oaks Estates Ph Ii · 1 for sale · 1.0 mi
- Enclave at Freeport · 1.5 mi
- Enclave · 1.5 mi
- Magnolia Landing Estates · 1.0 mi
- Magnolia Landing Phase I · 0.9 mi
- No Recorded Project · 1.2 mi
Villages & sections of Hammock Bay
Hammock Bay in Freeport, FL is a master-planned community recorded as 20 named villages and sections in the MLS; 62 homes are for sale or pending across them today. Each village has its own page with its listings, sales history and HOA/CDD facts.
- Hammock Bay - Bird Song · 23 for sale · 46 sold/12 mo
- Hammock Bay - Steamboat Landing · 18 for sale · 3 sold/12 mo
- Hammock Bay - Firefly · 6 for sale · 2 sold/12 mo
- Hammock Bay - Starburst · 3 for sale · 19 sold/12 mo
- Hammock Bay - Symphony · 3 for sale
- Hammock Bay - Mill Cottages · 1 for sale · 5 sold/12 mo
- The Trails at Hammock Bay · 1 for sale · 2 sold/12 mo
- Hammock Bay - Moonswept · 1 for sale · 1 sold/12 mo
- Schooner Landing at Hammock Bay · 1 for sale · 1 sold/12 mo
- Buxton's Mill in Hammock Bay · 1 for sale
- Firefly at Hammock Bay · 1 for sale
- Hammock Bay - Bliss · 1 for sale
- Hammock Bay - Crescent · 1 for sale
- Parkview at Hammock Bay · 1 for sale
- Hammock Bay - Lanterns · 4 sold/12 mo
- Hammock Bay - Wildflower · 2 sold/12 mo
- Hammock Bay - Central Park · 1 sold/12 mo
- Buxton's Mill at Hammock Bay
- Sweetwater/Hammock Bay
- Symphony at Hammock Bay
| Location | Freeport, Walton County, FL · ZIP 32439 |
|---|---|
| Homes in the community | 989 (FL DOR 2025 assessment roll) |
| Years built | 1972–2024 (median 2018) |
| Typical living area | 2,765 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Pool, Playground, Exercise Room, Tennis Court(s), Community Room, Pickleball |
| Sale prices, last 12 months | $495,000 median across 104 closed sales · -8.5% vs the prior 12 months |
| Days on market (closed sales) | 56 median |
| For sale right now | 59 active, 20 pending · median asking $495,000 · 6.9 months of supply |
| Owner-occupied (homestead) share | 75% |
Data as of September 20, 2026. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “HAMMOCK BAY key facts,” movewithmomentum.com/neighborhoods/hammock-bay, data as of September 20, 2026.
Last 30 days in Hammock Bay: 12 new listings (median asking $520,950), 23 under contract right now, 8 closed sales (median $580,000). As of September 26, 2026, Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate.
Homes For Sale Right Now in Hammock Bay
Live MLS inventory for Hammock Bay. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 53 daysTop listing
Active · 5 days
Active · 212 days
Active · 368 days
Active · 20 days
Active · 247 days
Active · 64 days
Active · 186 days
Active · 249 days
Active · 118 days
Active · 171 days
Active · 25 days
Active · 9 days
Active · 135 daysActive and pending Hammock Bay listings as of 2026-09-26, priced high to low. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Price at Hammock Bay is driven by home itself more than by any shared amenity package — no community amenities turned up in the current MLS listings, so what you're paying for is the house. Stock here skews newer, with a median build year of 2018 and a median size of 2,669 square feet, though the range runs all the way back to 1972, so condition and vintage cut a wide spread around the $477,500 median.
The current posture favors buyers. Median days on market sits near 59, the market heat score is a cool 23, and prices are down 12.5% year over year. That combination — slower sales, softer pricing, 64 active listings against a 100-closing window — means sellers should price to the current market, not last year's, and buyers have room to negotiate on the right listing.
Hammock Bay right now
🟢 Buyer-leaning market. 6.9 months of supply and 25% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Emerald Coast MLS records, as of September 20, 2026. Confidence: Very High (79 active and pending listings, 104 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($495K) is down 8.5% from the prior 12 months ($541K) and up 114% since 2012.Momentum Research, record-level Emerald Coast MLS closed sales, 12-month windows ending September 20. Confidence: Very High (104 and 81 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 27, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Hammock Bay market snapshot (as of September 20, 2026): the median sale price is about $495K, a median 56 days on market for closed sales, and 6.9 months of supply, a buyer-leaning market. The trailing-12-month median is down 8% from the prior 12 months and up 114% since 2012, computed from record-level Emerald Coast MLS closed sales (104 closings in the current window).
In ZIP 32439 (Freeport), 679 homes closed in the last 12 months at a median of $385K, down 3.3% year over year, with a median 70 days on market. Right now 301 active and 108 pending listings put supply at about 5.5 months — a buyer's market. See the live ZIP 32439 housing market and the Walton County market.
County records show 114 qualified sales in HAMMOCK BAY across 2024–2025 (72 in 2024, 42 in 2025), median $540,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in HAMMOCK BAY: of 52 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary — verify any specific address at msc.fema.gov. See flood zones by neighborhood in Freeport.
Hammock Bay is a community of 989 homes in Freeport, Walton County, built between 1972 and 2024 (median 2018), with a median living area of about 2,765 square feet. 75% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Hammock Bay is a large, predominantly newer-construction community in Freeport with roughly 1,809 homes, where the median home is a 2018-built, 2,669-square-foot house priced at $477,500. A homestead share above 75% points to a mostly owner-occupied base rather than an investor or rental-heavy one.
The setting & the homes.
Aerial and on-site photos of Hammock Bay. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Hammock BayPhotos from Emerald Coast MLS listings in Hammock Bay; content deemed reliable but not guaranteed.
Who Hammock Bay is best for.
Best for
- Buyers targeting newer construction around a $477,500 median who want negotiating leverage in a slower market
- Owner-occupant buyers comfortable in a high-homestead community rather than a rental-heavy one
- Patient buyers willing to compare homes across a wide age range to find condition-driven value
Probably not for
- Buyers who require a resort-style amenity package, since none surfaced in current listings
- Short-horizon buyers who can't absorb a market that's down 12.5% year over year
- Sellers who insist on last year's pricing in a market with a heat score of 23
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Emerald Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($495K) IS the median in the snapshot above, and the move from 2025 ($541K) IS the -8.5% one-year change.
Windows contain 57 to 186 sales each (104 in the current window); every figure carries its sample size. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
30% of homes for sale in Hammock Bay are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-27).
HAMMOCK BAY Market Scorecard
HAMMOCK BAY is currently a buyer's market. About 6.4 months of supply, a median asking price of $520,000, and homes go under contract in about 66 days.
Typical home value in the 32439 ZIP is $389,845, right around the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in HAMMOCK BAY, Freeport
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Hammock Bay on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Emerald Coast MLS. Map data © OpenStreetMap, tiles © CARTO.
Schools
- Walton County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Freeport · Elementary
- Freeport · Middle
- Freeport · High
Zoned schools reflect the assignments reported on recent Hammock Bay listings and can change; always confirm with Walton County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Hammock Bay address.
Shop the zone: Homes zoned for Freeport High School
The Hammock Bay buying strategy.
If we were buying in Hammock Bay today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Hammock Bay.
A newer Freeport market in a buyer's window
The long arc is up — values are 118% higher than in 2012 — but the last year has cooled meaningfully, off 12.5%. Read those two numbers together: this has been a growth story over the long haul that is now in a correction, which is exactly the environment where disciplined pricing matters most on both sides of the table.
Because no community amenities show up in the listing data, value differences come down to the individual home — age, layout, and condition against that 2,669-square-foot median. With build years spanning 1972 to 2024, a buyer should expect to compare a like-new build directly against something a half-century older, and price accordingly rather than leaning on a neighborhood-wide average.
The location and the amenities are priced into every listing in Hammock Bay. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Hammock Bay buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 5 factors (5.9). Basis: Long-Term Appreciation +114% since 2012; Recent Direction -8.5% year-over-year; Liquidity & Demand 6.9 months of supply; Owner Commitment 75% owner-occupied; Pricing Power 96.5% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market that's slowed to a heat score of 23 with homes taking close to two months to sell, the pricing conversation is the whole game. We ground it in the actual closings and the 64 active listings competing right now, so sellers don't chase a stale number and buyers know which listings have real negotiating room.
Hammock Bay in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Hammock Bay buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Hammock Bay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Hammock Bay, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Hammock Bay home worth?
Get a no-obligation home value based on real comparable sales in Hammock Bay, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Freeport →
Recently off market in HAMMOCK BAY
Homes in HAMMOCK BAY that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 31 on record.
- 102 Polaris Place · off market
- 115 Lilly Bell Lane · off market
- 131 Dusky Way · off market
- 140 Flora Lane · off market
- 158 Whispering Way · off market
- 170 Windchime Way · off market
- 179 Windchime Way · off market
- 198 Blaze Boulevard · off market
Frequently Asked Questions
What is the median home price in Hammock Bay?
How long do homes in Hammock Bay take to sell?
Is Hammock Bay a buyer's or seller's market right now?
How many homes are in Hammock Bay?
What share of Hammock Bay is owner-occupied?
When were the homes in Hammock Bay built?
Have Hammock Bay home prices gone up?
Who is the best real estate agent for Hammock Bay?
How do I find a top Freeport real estate agent who knows Hammock Bay?
Can Momentum Realty connect me with an agent for Hammock Bay?
Where is Hammock Bay, and what county is it in?
Is Hammock Bay in a flood zone?
Is Hammock Bay a good place to live?
Should you buy in Hammock Bay?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (21 streets, ZIP 32439)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2006 (1,566 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Emerald Coast MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how HAMMOCK BAY fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
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