Bear Creek
Homes for Sale in Freeport, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
Bear Creek is a community in Freeport, Walton County, FL. Across Freeport as a whole, 802 homes closed in the last 12 months at a median of $393,668, 71 median days on market, with 320 homes for sale today. At that median and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $3,840 ($3,460 with the full homestead exemption).
Sections of Bear Creek in the MLS
Bear Creek in Freeport, FL is recorded as 2 separate subdivisions/phases in the MLS; 4 homes are for sale across them today. Each section has its own page:
- Bear Creek Ph I · 2 for sale
- Bear Creek Subdivision Phase III A · 2 for sale
Bear Creek is a small, newer-build community in Freeport, with 41 homes and a median build year of 2021. What sets price here is condition and construction vintage more than any amenity package or view premium — the homes are recent, and the median living area runs a generous 2,820 square feet. Expect a wide spread rather than a tidy band, because a 2005 home and a 2024 home sit under the same community name and are not the same product.
With only two closings in the recent window, this is a thin-transaction market where a single sale can skew perception. For sellers, that means pricing to the actual condition of your home and not to a neighbor's headline number. For buyers, it means patience — inventory turns over slowly here, and the right home may take waiting rather than choosing from a deep shelf.
Figures in this note are as of July 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
Bear Creek is a compact community of larger, relatively new homes in Freeport, in Walton County. With no community amenities identified from current listings, the draw is the house itself and the location rather than shared facilities.
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.
Who Bear Creek is best for.
Best for
- Buyers prioritizing recent construction and a large footprint over shared amenities
- Long-horizon owner-occupants comfortable waiting for the right listing to surface
- Those who want a Freeport address in Walton County without a resort-style HOA package
Probably not for
- Buyers who require a pool, gym, gate, or other community amenities
- Anyone needing a quick purchase from a broad, always-available inventory
- Investors expecting a rental-heavy community rather than an owner-occupied one
The market around Bear Creek
Bear Creek is too small for its own price trend, so here is the market around it.
Across Walton County, 2,879 homes are active and 587 pending (17% under contract).
ZIP and county figures describe the wider market, not Bear Creek specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in BEAR CREEK, Freeport
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
The Bear Creek buying strategy.
If we were buying in Bear Creek 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 Bear Creek.
A newer-build pocket with square footage to spare
The housing stock here spans 2005 to 2024, but the median year built lands at 2021, so most of what trades is recent construction. At a median 2,820 square feet, these are substantial floor plans — the space is the story, and buyers should evaluate on layout, finish, and how well each home has been maintained rather than assuming uniformity across the community.
About two-thirds of homes here are homesteaded, which points to an owner-occupied core rather than a rental-heavy footprint. No community amenities show up in current MLS listings, so if a pool, gym, or gated entry is on your must-have list, confirm before you fall for a floor plan — this community competes on the home and the Freeport location, not on shared extras.
The location and the amenities are priced into every listing in Bear Creek. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this small with this few recent closings, comparable sales are scarce and easy to misread. We price and negotiate off the actual condition and vintage of the specific home, not a rounded number pulled from one nearby sale — and we tell you plainly when the space you are paying for does not match the finish you are getting.
Bear Creek in 15 seconds.
Tools for a Bear Creek 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 Bear Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bear Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Bear Creek home worth?
Get a no-obligation home value based on real comparable sales in Bear Creek, 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 →
Should you buy in Bear Creek?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Bear Creek with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: November 9, 2026) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
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.
Recent Developments in Bear Creek
Development, infrastructure, retail, and school activity affecting Bear Creek, 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 22 miles northeast of Bear Creek, 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 project is about 11 miles east of Bear Creek, elsewhere in Walton County.
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 11 miles east of Bear Creek.
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 12 miles west of Bear Creek.
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.
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. A Momentum agent can price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how BEAR CREEK fits the bigger picture — live prices, inventory, and Momentum Scores: