155 Lumen Loop, Freeport, FL 32439
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 19, 2026, 155 Lumen Loop in Hammock Bay - Starburst, Freeport is listed at $544,900. That sits within a few percent of Hammock Bay - Starburst's median closed sale of $521,343 over the last 12 months (19 recorded sales). It has been 131 days on market. Listing facts: built in 2025. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2025 · 1 yrs
- 2-car garage
- 131 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2025BuiltPer public record
- Aug 4, 2026First trackedObserved at $549,900
- Aug 28, 2026Price cut$544,900
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $2,886/mo 81%
- Taxes $477/mo 13%
- Insurance $147/mo 4%
- HOA $50/mo 1%
$3,559/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
46/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟠 Seller-leaning conditions around this listing. 1.3 months of supply in the surrounding market and 131 days on market for this home, against a 89-day area median.Days on market:this home 131Area median: 89 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. As of September 12, 2026.
28% of homes in HAMMOCK BAY - STARBURST are owner-occupied. An estimated 72% are non-owner-occupied, including 28% held in a company or trust and 28% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 37 homes matched. Community-level context.
Recent HAMMOCK BAY - STARBURST sales closed near 100.0% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Emerald Coast MLS records, community-level, 12 months ending September 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in HAMMOCK BAY - STARBURST, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 19, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Your Florida Dream Begins Here -- Wrapped in Upgrades, Warmth, and a $120K Backyard Paradise!!! Some homes invite you in. This one welcomes you home!
From its sunny corner lot in the Starburst neighborhood of Hammock Bay, this 2025 residence stands apart--not because it's new, but because it's complete. While most new construction homes offer the basics and leave the rest to your imagination (and your wallet), this one has already been thoughtfully elevated with the upgrades, comforts, and lifestyle features buyers dream of but rarely find ready and waiting. The moment you step inside, the story begins with light--soft, warm, and beautifully intentional.
LED lighting throughout, paired with window blinds already installed, creates a polished, move in ready atmosphere. Wood look ceramic tile flooring stretches across the entire home, offering durability, elegance, and easy Florida living without the patchwork of mixed flooring you often see in new builds. The living room immediately draws you in with its custom accent wall, where an electric fireplace and TV center above the mantel create a rich, inviting focal point.
It's the kind of feature that transforms a house into a home--something you simply won't find in a builder's standard package. And then, the heart of the home: the kitchen.... Here, every detail has been elevated beyond builder grade.
Quartz countertops, soft close doors and drawers, upgraded backsplash, matte black faucet accents, and under-cabinet lighting come together to create a space that feels both modern and timeless. The large island, pendant lighting, gas stove, and walk in pantry with custom shelving make this kitchen as functional as it is beautiful--ready for quiet mornings, lively gatherings, and everything in between. The dining area flows naturally toward the covered back porch, where the home's most breathtaking feature awaits: a $120,000 custom saltwater, heated gunite pool and oversized spa.
This is not the kind of pool you add later. This is a resort style retreat crafted with marble coping, mosaic tile, LED lighting, tanning ledge, raised spa with waterfall, and a premium automation system. Surrounded by a fully fenced backyard, it offers privacy, beauty, and instant lifestyle value that new construction simply cannot match.
The primary suite continues the theme of comfort and luxury, featuring a tray ceiling, crown molding, and a serene private bath with a garden tub, double vanity, custom tile shower, and two walk in closets. Across the home, the additional bedrooms offer privacy for guests or family, while the flex space near the foyer adapts effortlessly to your needs--office, reading nook, playroom, or creative studio. Throughout the home, thoughtful upgrades add convenience and long term value: *Gutters installed around the entire home *Exterior soffit electrical outlet *Smart Wi Fi thermostat *Energy efficient windows and water heater *Pull down attic stairs and added shelving *Flood lights and landscaping package *Natural gas already installed (a rare and valuable feature in this neighborhood) These are the upgrades that cost thousands--and months--to add after closing on a new build.
Here, they're already done. Already paid for. Already yours.
Every day feels brighter in Hammock Bay, where resort-style amenities, natural beauty, and a warm neighborhood atmosphere come together to create a lifestyle people fall in love with. Beyond the home itself, residents enjoy pickleball courts, a 4,000-sq-ft fitness center, playgrounds, community pools, and miles of sidewalks that make it easy to stay active and connected. This isn't just a home that's move-in ready--it's life-ready.
The upgrades are complete, the comforts are built in, and the Florida lifestyle begins the moment you arrive. Set across more than 3,000 acres of preserved natural surroundings, Hammock Bay offers over 12 miles of sidewalks, nature trails, and bike paths that link every corner of the community. Multipl…
All 82 photos
Description provided by Coldwell Banker Realty and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Similar homes for sale near HAMMOCK BAY - STARBURST
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Freeport
- 58 Lago Lane #Hs, Freeport · $291,990 · 3 bd / 2.0 ba · listed September 16, 2026 (courtesy of Lennar Realty Inc)
- 187 Butterfly Bend, Freeport · $482,253 · 4 bd / 3.0 ba · listed September 16, 2026 (courtesy of Holiday Builders)
- 136 Natureview Way, Freeport · $415,288 · 3 bd / 2.0 ba · listed September 16, 2026 (courtesy of Holiday Builders)
- 700 E County Highway 83A, Freeport · $200,000 · 3 bd / 1.0 ba · listed September 15, 2026 (courtesy of HomeBiz Properties)
- 65 Old Bridge Road #Hs C3, Freeport · $353,990 · 4 bd / 2.0 ba · listed September 15, 2026 (courtesy of Lennar Realty Inc)
- 83 Perch Place, Freeport · $517,519 · 4 bd / 3.0 ba · listed September 15, 2026 (courtesy of DSLD Homes Florida LLC)
Recently off market in HAMMOCK BAY - STARBURST
- 130 Lumen Loop · last listed $550,000 · 2026-09-12
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by Coldwell Banker Realty · MLS # 1002834
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Recent sales activity in HAMMOCK BAY - STARBURST
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the HAMMOCK BAY - STARBURST neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on HAMMOCK BAY - STARBURST
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Walton County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 155 Lumen Loop, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2025: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Walton County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Confirm square footage and room dimensions independently.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $5,721/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed twice daily (last: September 19, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of September 12, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Emerald Coast MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 155 Lumen Loop and when was it built?
Per the listing record, 155 Lumen Loop was built in 2025 and has 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 155 Lumen Loop in?
155 Lumen Loop is in Hammock Bay - Starburst in Freeport, Walton County. The community section on this page shows recent closed sales, days on market, and active inventory for Hammock Bay - Starburst from the same MLS data.
Why might property taxes on 155 Lumen Loop differ from the current owner's?
The estimate on this page (about $5,721 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 155 Lumen Loop in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 155 Lumen Loop in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Emerald Coast Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Emerald Coast Association of REALTORS®. © 2026 Emerald Coast Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.