Bay Harbour
Homes for Sale in Freeport, FL
All 379 homes for sale in Freeport, FL · median $428,000 · 340 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
Homes listed or recently sold were built 2003–2025 with 1 new construction; 1 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 7 ft). As of September 2026, the MLS records 26 closed sales in Bay Harbour in Freeport, FL since 2004, the most recent in August 2026. Across Freeport as a whole, 608 homes closed in the last 12 months at a median of $385,471, 71 median days on market, with 296 homes for sale today. At that median and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $3,760 ($3,380 with the full homestead exemption).
| 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 |
| For sale right now | 0 active, 1 pending |
| Owner-occupied (homestead) share | 74% |
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, “BAY HARBOUR key facts,” movewithmomentum.com/neighborhoods/bay-harbour, data as of September 20, 2026.
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.
The 60-Second Overview
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.
Emerald Coast MLS sales records identify 20 homes in BAY HARBOUR that have changed hands since 2012, built between 2000 and 2025 (median 2007), with a median living area of about 2,805 sq ft and a typical 4-bedroom, 3-bath layout; 100% are single-family homes. Source: Emerald Coast MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
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
The market around Bay Harbour
Bay Harbour is too small for its own price trend, so here is the market around it.
In ZIP 32439, 535 homes are on the market and 26% are under contract — a steady corner of Freeport.
Across Walton County, 3,174 homes are active and 698 pending (18% under contract).
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.
ZIP and county figures describe the wider market, not Bay Harbour specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Bay Harbour
Live MLS inventory for Bay Harbour. 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 and pending Bay Harbour 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.
Every Home for Sale in Bay Harbour Right Now (1)
All 1 active and pending Bay Harbour listings with a detail page, newest first, refreshed twice a day from the MLS.
- 36 Creek Harbour Boulevard · $1,699,000 · 3 bd / 4 ba · pending · listed Jun 27, 2026 · listed by Keller Williams Realty Destin
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, 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 Bay Harbour 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 Bay Harbour address.
Shop the zone: Homes zoned for Freeport High School
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.
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 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.
See all homes for sale in Freeport →
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. 2 on record.
- 107 Harbour Trace E · off market
- 969 Bay Harbour Boulevard · off market
28% of homes for sale in ZIP 32439 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 (2026-09-24).
Frequently Asked Questions
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: September 26, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 32439)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2004 (26 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.
Looking to buy here? Search homes for sale →
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See how BAY HARBOUR fits the bigger picture — live prices, inventory, and Momentum Scores:
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Explore more neighborhoods near Bay Harbour with Momentum Realty’s local guides.