226 E Cypress Avenue, DeFuniak Springs, FL 32433
As of September 26, 2026, 226 E Cypress Avenue in Oakwood Hills Unit 1, DeFuniak Springs is listed at $219,900. It has been 29 days on market. Listing facts: built in 2009. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2009 · 17 yrs
- 29 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2009BuiltPer public record
- Aug 4, 2026First trackedObserved at $219,900
- NowUnder contractCurrently pending
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 $1,174/mo 78%
- Taxes $192/mo 13%
- Insurance $84/mo 6%
- HOA $50/mo 3%
$1,500/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
50/100 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
0% of homes in OAKWOOD HILLS are owner-occupied. An estimated 100% are non-owner-occupied, including 0% held in a company or trust and 25% 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), 8 homes matched. Community-level context.
What’s unique here: one of only 30 active listings in OAKWOOD HILLS, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Under contract. Accepting Back up offers. Country Living Without Giving Up Convenience What if you could enjoy the peace and privacy of country living while still being within easy reach of work, shopping, dining, healthcare, entertainment, and some of Florida's most beautiful beaches?
Nestled just outside DeFuniak Springs, this inviting 3-bedroom, 2-bath home offers the lifestyle many buyers are searching for but rarely find--a place where you can slow down, spread out, and enjoy your own space without sacrificing convenience. From the moment you arrive, you'll appreciate the freedom this property provides. With no HOA, a fully privacy-fenced backyard, and a desirable Flood Zone X location, you'll have the flexibility to create the lifestyle you've always envisioned.
Whether that means gardening, raising chickens, entertaining family and friends, or simply relaxing with a cup of coffee on the front porch, this property offers room to make it your own. Inside, the thoughtfully designed split-bedroom floor plan provides both comfort and functionality. Durable vinyl plank flooring runs throughout the home, while the attractive galley-style kitchen features stainless steel appliances, stylish countertops, a tiled backsplash, and freshly painted walls and baseboards that create a bright, welcoming atmosphere.
A convenient utility room with washer and dryer hookups completes the home's practical design. One of the most appealing aspects of this property is the value it offers in today's market. Many buyers are searching for a home that doesn't require costly renovations, major repairs, or ongoing HOA fees.
Here, much of the work has already been done. The home is clean, well-maintained, and move-in ready, allowing you to spend less time on projects and more time enjoying your new home. Finding a property that combines privacy, functionality, and affordability in such a convenient location is becoming increasingly difficult.
Beyond the property itself is where this location truly shines. Enjoy the tranquility of rural living while remaining just minutes from shopping, restaurants, schools, healthcare, and everyday conveniences in DeFuniak Springs. For those who commute, US-90 provides easy access throughout the region.
When it's time for recreation, some of Northwest Florida's most sought-after destinations are within reach. Spend weekends exploring the sugar-white beaches of the Emerald Coast, enjoying the coastal communities of 30A and Santa Rosa Beach, boating around Crab Island, or experiencing the dining, shopping, and entertainment options found throughout Destin and Panama City Beach. The location is also ideal for military personnel, healthcare professionals, and those seeking access to major employment centers, with convenient proximity to Eglin Air Force Base, Duke Field, Hurlburt Field, Sacred Heart Hospital, regional airports, and surrounding communities.
Whether you're searching for your first home, a place to downsize, an investment opportunity, or simply a property that offers more freedom, privacy, and flexibility, this home delivers a rare combination of country charm, move-in-ready convenience, and exceptional value. Come experience the space, tranquility, and lifestyle you've been looking for. Systems info: New Interior paint 2026 New Roof 2021 New windows 2022 New heat pump 2017
All 30 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 OAKWOOD HILLS UNIT 1
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 OAKWOOD HILLS UNIT 1
- 215 E Juniper Avenue · $153,900 · 3 bd / 2.0 ba · listed September 9, 2026 (courtesy of The Ketchersid Group LLC)
- 244 E Laurel Lane · $269,000 · 3 bd / 2.0 ba · listed September 5, 2026 (courtesy of Keller Williams Realty Nville)
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 # 1005452
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Recent sales activity in OAKWOOD HILLS UNIT 1
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 OAKWOOD HILLS UNIT 1 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 OAKWOOD HILLS UNIT 1
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 226 E Cypress Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2009 (17 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- 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 $2,309/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 26, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of July 25, 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 226 E Cypress Avenue and when was it built?
Per the listing record, 226 E Cypress Avenue was built in 2009 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 226 E Cypress Avenue in?
226 E Cypress Avenue is in Oakwood Hills Unit 1 in DeFuniak Springs, Walton County. The community section on this page shows recent closed sales, days on market, and active inventory for Oakwood Hills Unit 1 from the same MLS data.
Why might property taxes on 226 E Cypress Avenue differ from the current owner's?
The estimate on this page (about $2,309 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 226 E Cypress Avenue 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 226 E Cypress Avenue 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.