Buyer leverage
Strong buyer advantage
211 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Sources: Emerald Coast MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
Highlights
As of September 30, 2026, 906 Symphony Way in Hammock Bay/Symphony, Freeport is listed at $538,000. It has been 211 days on market. Listing facts: built in 2013. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2013 · 13 yrs
- 2-car garage
- 211 days on market
- HOA ~$50/mo (estimate; confirm)
Property timeline
This home’s history
- 2013BuiltPer public record
- Aug 4, 2026First trackedObserved at $538,000 · 211 days on market
- 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.
Financing
Estimated monthly payment
Cost to own
Property taxes
✓ Based on certified county tax rollEstimated property taxes after purchase
$4,750/yr
≈ $396/mo·effective rate ~0.88%
Estimated from today’s asking price and current Walton County tax rates.
⚠️Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $4,000/yr ($333/mo)
+$750 more each year
(+19%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes🔄
Home sellsResets the January after🧾
Buyer paysBased on purchase price$59,936
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Adjust for your exemptions, portability, and down payment
Historical tax data loading…
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.
Sources: Florida DOR certified tax roll (2025), Emerald Coast AR. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Walton County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively Moderate
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveRelatively Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Momentum Scores
Momentum Property Score
42/100
Strongest on: Affordability (50), Market liquidity (35)
0 limited50100 exceptional
42/100 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.
Affordability50
List price $538,000 vs the community median $538,000. Not a measure of personal affordability.
Market liquidity35
Community inventory, ~12.0 months of supply (12-month record).
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.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 211 days on market for this home, against a 211-day area median.Days on market:this home 211Area median: 211 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 20, 2026.
79% of homes in HAMMOCK BAY - SYMPHONY are owner-occupied. An estimated 21% are non-owner-occupied, including 6% held in a company or trust and 4% 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), 102 homes matched. Community-level context.
What’s unique here: one of only 3 active listings in HAMMOCK BAY - SYMPHONY, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
OVERSIZED LOT !! Take a look at this beautiful 3 bedroom, 2 bath home with bonus flex room. This 2357 sqft home in the Symphony Neighborhood sits on a large 0.57 acre lot that backs up to a wooded area; it is located at the end of the cul-de-sac.
Plenty of room to add your very own pool! No carpet here to replace, the flooring is all bamboo. The fireplace, built in bookshelves and trey ceilings complete the cozy living room.
The kitchen appliances are stainless steel with a gas stove and pantry. Just off the kitchen step into the spacious Primary Bedroom, with sitting area and separate entrance to the patio. The ensuite bathroom boasts a large walk in closet, shower and double vanities.
Enjoy your time on the large covered patio deck watching your favorite team on TV, grilling out or just relaxing. Don't forget to check out the tree house, the perfect hiding spot. The 12x8 shed will keep your things tidy and out of sight.
A custom concrete pad on the other side of the yard was made for fun bonfire nights. The two car garage will provide additional space for vehicles and toys. Back inside, at the front of the home, the bonus room with doors can provide an additional guest bedroom, office or work out space.
Two additional bedrooms, full bathroom and laundry can also be found on this side of the home. The AC was replaced Summer 2025. Get ready to experience all that the Hammock Bay Community has to offer.
Description provided by HomeBiz Properties and reproduced from the MLS; not independently verified.
Property facts & sources
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
List price$538,000
Bed / bath3 / 2
Year built2013
Property typeDetached Single Family
Garage2-car
MLS #996723
Listing status211 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~32 ft
Windstorm exposureLow
CountyWalton
Area listings3 active · 0 under contract
Estimated first-year tax~$5,649/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Estimated monthly payment$3,583
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$538,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of HomeBiz Properties · Listing agent: Katherine L McFerrin · ethan@homeBizproperties.comProvided via the Emerald Coast Association of REALTORS® Internet Data Exchange · Source: Emerald Coast Association of REALTORS® · © 2026 Emerald Coast Association of REALTORS®, Inc. · deemed reliable but not guaranteedIDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Keep looking
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Recently off market in Hammock Bay/Symphony
Transparency
Price & listing history
Listed for $538,000Momentum Realty · on market 211 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$5,649/yr
A rough first-year estimate only, applying a typical Walton rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~32 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Listed by HomeBiz Properties · MLS # 996723
Market data · public records
Recent sales activity in Hammock Bay/Symphony
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/Symphony neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$538,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$0
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Hammock Bay/Symphony
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.
In the area
Recent Hammock Bay Symphony news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
Scenic Walton advances underground utilities and gateway landscape projects
Scenic Walton reported progress on countywide initiatives, including a $200,000 Freeport U.S. 331 gateway landscape project supported by a $100,000 FDOT Highway Beautification Grant, plus a 30A West gateway landscape project and early planning for countywide underground utilities. Funding for the utilities study advanced into Walton County's draft budget for fiscal year 2026 to 2027.
Why it matters: Advances roadway beautification and stormwater improvements along the Freeport U.S. 331 corridor and the 30A west gateway and lays groundwork for utility resilience upgrades across Walton County. The project is about 22 miles east of Hammock Bay Symphony, elsewhere in Walton County.
Get The Coast
Jun 2026 · Civic
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
Why it matters: Directs state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 3 miles north of Hammock Bay Symphony.
Get The Coast
Assigned schools
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.
GRADEA
FreeportAssigned elementary school · Walton County School District · Grade A (Florida DOE 2025-26)
FreeportAssigned middle school · Walton County School District
GRADEA
FreeportAssigned high school · Walton County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
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.
Just listed: new homes for sale in the Emerald Coast in the last 48 hours · updated hourly · RSS · The Emerald Coast market today: new listings, price cuts, pendings
If you rent it out
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.
Estimated rent$2,466 – $3,587/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,184 – −$175At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 906 Symphony Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2013: 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 $5,649/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.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
Provenance
Data sources & freshness
| Listing record | Emerald Coast MLS, refreshed hourly (last: September 30, 2026) |
| Community market stats | Emerald Coast MLS closed sales, as of September 20, 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.
Answered before you ask
Frequently asked questions
How big is 906 Symphony Way and when was it built?
Per the listing record, 906 Symphony Way was built in 2013 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 906 Symphony Way in?
906 Symphony Way is in Hammock Bay/Symphony in Freeport, Walton County. The community section on this page shows recent closed sales, days on market, and active inventory for Hammock Bay/Symphony from the same MLS data.
Why might property taxes on 906 Symphony Way differ from the current owner's?
The estimate on this page (about $5,649 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 906 Symphony Way 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.
