Bay Harbour
Homes for Sale in Freeport, FL
All 326 homes for sale in Freeport, FL · median $420,962 · 334 homes for sale in 32439 · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
Over the 12 months ending 2026-11-09, 3 recorded sales closed at a median of $950,000, a median 15 days on market, sellers accepting 90% of original asking. Homes listed or recently sold were built 2003–2025 with 1 new construction; 3 of 3 report an HOA (median $50/mo); 1 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 7 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $9,270 ($8,880 with the full homestead exemption).
Bay Harbour is a small, newer-built pocket in Freeport — 22 homes, with a median build around 2020 and construction running from 1998 through 2023. At a median living area near 3,500 square feet, price here is driven far more by size, condition, and finish level than by any community premium, since the MLS shows no identified shared amenities. Expect a wide spread between an original older home and a recent build.
The market posture is thin: one active listing and one closing in the trailing window. That gives buyers little to compare against and sellers little cover — a single transaction can set the tone. With roughly 74% of homes held as homestead, turnover is limited, so when something lists it deserves close attention rather than a wait-and-see approach.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside BAY HARBOUR right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Bay Harbour market snapshot (as of November 9, 2026): the median sale price is about $950K, and a median 15 days on market for closed sales.
In ZIP 32439 (Freeport), 238 homes closed in the last 12 months at a median of $375K, with a median 71 days on market. Right now 222 active and 87 pending listings put supply at about 11.2 months — a buyer's market. See the live ZIP 32439 housing market and the Walton County market.
County records show 3 qualified sales in BAY HARBOUR across 2024–2025 (2 in 2024, 1 in 2025), median $635,500 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Bay Harbour is a community of 22 homes in Freeport, Walton County, built between 1998 and 2023 (median 2020.5), with a median living area of about 3,495 square feet. 74% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Bay Harbour is a compact enclave of larger newer homes in Freeport, Walton County, where inventory is scarce and most homes are owner-occupied for the long term.
The setting & the homes.
Aerial and on-site photos of Bay Harbour. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Bay Harbour
Bay Harbour
Bay HarbourPhotos from Emerald Coast MLS listings in Bay Harbour; content deemed reliable but not guaranteed.
Who Bay Harbour is best for.
Best for
- Buyers seeking a larger single-family home around 3,500 square feet with a recent build vintage
- Long-hold owners who value a stable, low-turnover street over quick resale
- Buyers ready to move decisively when the rare listing appears
Probably not for
- Buyers who need a wide range of homes to compare before committing
- Anyone prioritizing pools, clubhouses, or other shared amenities
- Sellers needing a deep pool of recent comparables to support pricing
Bay Harbour 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 contributors.
The Bay Harbour buying strategy.
If we were buying in Bay Harbour 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.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
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 Bay Harbour.
A small, size-led market
With only 22 homes and a median living area around 3,495 square feet, Bay Harbour skews toward substantial floor plans. The build range from 1998 to 2023 means you can encounter both established homes and near-new construction, and the median year built just past 2020 tells you the bulk of the stock leans recent. Because there are no community amenities identified in current listings, pricing rests on the house itself — square footage, updates, and condition — not on shared features.
Liquidity is the defining trait. One active listing and one recent closing mean thin comparables and slower, more negotiated deal-making. A homestead share near 74% signals owners who tend to stay, which keeps supply tight. Both sides should treat each listing as its own event and price against the specifics rather than a deep pool of recent sales.
The location and the amenities are priced into every listing in Bay Harbour. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin, the comparable set is too small to lean on a formula. We underwrite each Bay Harbour home on its own merits — size, build vintage, and condition — and read the limited transaction history for what it actually tells you. Whether you are the lone seller setting the tone or a buyer with few options to weigh, we position you against the specifics, not against assumptions.
Bay Harbour in 15 seconds.
Tools for a Bay Harbour 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 Bay Harbour sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bay Harbour, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Bay Harbour home worth?
Get a no-obligation home value based on real comparable sales in Bay Harbour, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Recently off market in BAY HARBOUR
Homes in BAY HARBOUR 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. 3 on record.
- 107 Harbour Trace E · off market
- 36 Creek Harbour Boulevard · off market
- 969 Bay Harbour Boulevard · off market
| Location | Freeport, Walton County, FL · ZIP 32439 |
|---|---|
| Homes in the community | 22 (FL DOR 2025 assessment roll) |
| Years built | 1998–2023 (median 2020.5) |
| Typical living area | 3,495 sq ft (median) |
| Amenities listed by sellers | Pavillion/Gazebo, Pets Allowed, Beach, Dock, Fishing, Security System |
| Sale prices, last 12 months | $950,000 median across 3 closed sales |
| Days on market (closed sales) | 15 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 74% |
Data as of November 9, 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, “Bay Harbour key facts,” movewithmomentum.com/neighborhoods/bay-harbour, data as of November 9, 2026.
Recently sold in Bay Harbour
- 36 Creek Harbour Boulevard · sold $1,575,000
- 969 Bay Harbour Boulevard · sold $950,000
- 107 Harbour Trace E · sold $950,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Freeport home searches
- All homes for sale in Freeport, FL
- Homes for sale in Walton County, FL
- Freeport pool homes for sale
- Freeport home values: what is my house worth?
Freeport guides & data
- Market data
- Best neighborhoods (ranked by data)
- Flood zones
- Property taxes (Walton County)
- Homestead exemption (Walton County)
- Home insurance cost
- New construction
- New construction (Walton County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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What it really costs to own in Bay Harbour
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $600/year (about $50/month) across 3 MLS listings (most billed annually; 2026-11-11). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Walton County is $1,942/yr (433 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2021 across 3 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Bay Harbour
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Bay Harbour
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Bay Harbour will answer, and the answer is published on this page for the next buyer.
Recent Developments in Bay Harbour
Development, infrastructure, retail, and school activity affecting Bay Harbour, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Development
DeFuniak Springs tactical training firm plans campus expansion after multimillion-dollar contracts
Stronghold Test & Training Center, on a 50-acre campus at 150 Warfighter Way, plans a new complex with secure vaults, classrooms, offices and a 3D-printing prototyping bay. The company cites a $21 million Navy contract through 2030 and other federal awards; no cost, timeline or job count was given.
What it may mean for the marketDefense-linked contracting growth near Eglin and Hurlburt supports employer activity and specialized jobs in the DeFuniak Springs area. The project is about 18 miles north of Bay Harbour, elsewhere in Walton County.
Source: Get The Coast - August 2026Infrastructure
Walton commissioners approve up to $4.69 million Westbay Parkway design contract
At its August 17, 2026 meeting, the Walton County Board of County Commissioners approved, on the consent agenda, a contract with Mott MacDonald for Westbay Parkway design not to exceed $4,693,502.38. The same agenda included a $184,117 Dewberry task order for the Santa Clara Regional Beach Access Bramble Grove addition.
What it may mean for the marketDesign work on Westbay Parkway is an early step toward added road capacity in western Walton County. The site is about 4 miles east of Bay Harbour.
Source: Walton County Government - July 2026Infrastructure
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.
What it may mean for the marketAdvances 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 site is about 5 miles east of Bay Harbour.
Source: Get The Coast - June 2026Civic
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.
What it may mean for the marketDirects 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 17 miles west of Bay Harbour.
Source: Get The Coast
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
What is the median home price in Bay Harbour?
How long do homes in Bay Harbour take to sell?
How many homes are in Bay Harbour?
What share of Bay Harbour is owner-occupied?
When were the homes in Bay Harbour built?
Who is the best real estate agent for Bay Harbour?
How do I find a top Freeport real estate agent who knows Bay Harbour?
Can Momentum Realty connect me with an agent for Bay Harbour?
Where is Bay Harbour, and what county is it in?
Should you buy in Bay Harbour?
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: November 10, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending November 9, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 32439)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
| Historical depth | Closed-sale records back to 2026 (3 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.
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