Bear Creek
Homes for Sale in Freeport, FL
All 366 homes for sale in Freeport, FL · median $428,652 · 320 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
As of October 2026, Bear Creek in Freeport, FL has 2 homes for sale. As of October 2026, the MLS records 12 closed sales in Bear Creek in Freeport, FL since 2011, the most recent in May 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 332 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).
Sections of Bear Creek in the MLS
Bear Creek in Freeport, FL is recorded as 2 separate subdivisions/phases in the MLS; 5 homes are for sale across them today. Each section has its own page:
- Bear Creek Subdivision Phase III A · 3 for sale
- Bear Creek Ph I · 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.
Bear Creek right now
🟢 Buyer-leaning market. 24.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Emerald Coast MLS records, as of September 20, 2026. Confidence: Low (2 active and pending listings, 1 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 2026 · Live data: Emerald Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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.
Emerald Coast MLS sales records identify 15 homes in BEAR CREEK that have changed hands since 2011, built between 2001 and 2026 (median 2021), with a median living area of about 2,075 sq ft and a typical 3-bedroom, 2.5-bath layout; 80% 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 8 qualified sales in BEAR CREEK across 2024–2025 (5 in 2024, 3 in 2025), median $649,900 — 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.
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.
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 Bear Creek specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Bear Creek
Live MLS inventory for Bear Creek. 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 Bear Creek listings as of 2026-10-19, 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.
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 Bear Creek 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 Bear Creek address.
Shop the zone: Homes zoned for Freeport High School
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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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.
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 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 →
| Location | Freeport, Walton County, FL · ZIP 32439 |
|---|---|
| Homes in the community | 41 (FL DOR 2025 assessment roll) |
| Years built | 2005–2024 (median 2021.0) |
| Typical living area | 2,820 sq ft (median) |
| Amenities listed by sellers | Exercise Room, Gated, Pickleball, Playground, Pool, BBQ Pit/Grill |
| For sale right now | 2 active, 0 pending · median asking $671,150 · 24.0 months of supply |
| Owner-occupied (homestead) share | 67% |
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, “Bear Creek key facts,” movewithmomentum.com/neighborhoods/bear-creek, data as of September 20, 2026.
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.
Every Home for Sale in Bear Creek Right Now (1)
All 1 active and pending Bear Creek listings with a detail page, newest first, refreshed twice a day from the MLS.
- 97 Muzzle Street · $759,900 · 4 bd / 3 ba · listed Jul 21, 2026 · listed by Compass
More Freeport home searches
- All homes for sale in Freeport, FL
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- Homes under $300K in Freeport
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- 4-bedroom homes for sale in Freeport
- Freeport home values: what is my house worth?
- ZIP 32439 housing scorecard
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
Real estate agent in Freeport? Join Momentum in Freeport: 100% commission, one $12K cap.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Walton County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Walton County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Email me new listings in Bear Creek
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 Bear Creek
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Bear Creek will answer, and the answer is published on this page for the next buyer.
29% 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 (2026-10-13).
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 October 2026.
- 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.
Frequently Asked Questions
Is Bear Creek a buyer's or seller's market right now?
How many homes are in Bear Creek?
What share of Bear Creek is owner-occupied?
When were the homes in Bear Creek built?
Who is the best real estate agent for Bear Creek?
How do I find a top Freeport real estate agent who knows Bear Creek?
Can Momentum Realty connect me with an agent for Bear Creek?
Where is Bear Creek, and what county is it in?
Should you buy in Bear Creek?
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: October 19, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32439)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2011 (12 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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See how BEAR CREEK fits the bigger picture — live prices, inventory, and Momentum Scores:
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