BEAR CREEK COTTAGES
Homes for Sale in Freeport, FL
True comps, carrying-cost math, and listings before the portals.
Photo via emeraldcoast
Price at Bear Creek Cottages is driven by condition and vintage more than by any single product type. With a build range stretching from 1900 to 2024 and a median build year of 2005, you are shopping across a genuinely wide spread of ages under one community name. The median sits at $523,940, but that number sits on top of a lot of variation, so what you actually pay tracks closely to how updated a given home is rather than a tidy neighborhood-wide baseline.
The current posture favors patience on both sides. Median days on market is roughly 125 days, and prices are down 4.5% year over year, so sellers should price to the market as it is today, not last year. Buyers have room to negotiate and time to underwrite carefully — with 8 active listings against a small closing window, there is enough choice to be selective but not so much that a well-priced, well-kept home lingers.
BEAR CREEK COTTAGES right now
🟡 Off the recent peak. The trailing-12-month median ($524K) is down 4.5% from the prior 12 months ($549K). With about 3 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level emeraldcoast closed sales, 12-month windows ending July 25. Confidence: Medium (20 and 6 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 25, 2026 · Live data: emeraldcoast, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
BEAR CREEK COTTAGES market snapshot (as of July 25, 2026): the median sale price is about $524K, and a median 126 days on market for closed sales. The trailing-12-month median is down 4% from the prior 12 months, computed from record-level emeraldcoast closed sales (20 closings in the current window).
BEAR CREEK COTTAGES is a community of 143 homes in Freeport, Walton County, built between 1900 and 2024 (median 2005), with a median living area of about 2,168 square feet. 22% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Bear Creek Cottages is a small Freeport community of about 143 homes in Walton County, where the housing stock spans more than a century of build dates and the median home runs just over 2,100 square feet.
The setting & the homes.
Aerial and on-site photos of BEAR CREEK COTTAGES. Swipe to explore the community.
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BEAR CREEK COTTAGESPhotos from emeraldcoast listings in BEAR CREEK COTTAGES; content deemed reliable but not guaranteed.
Who BEAR CREEK COTTAGES is best for.
Best for
- Buyers comfortable near the mid-$500s who will pay for inspections and reward updated condition
- Patient buyers who want negotiating leverage in a market that is down year over year
- Value-minded buyers willing to take on an older home and its maintenance profile for the right price
Probably not for
- Buyers who want an amenity-rich, master-planned setting
- Buyers who need to close fast and expect quick turnover on the sale side
- Buyers seeking a uniform, newer housing product with predictable comps
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 25 of each year, from record-level emeraldcoast closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($524K) IS the median in the snapshot above, and the move from 2025 ($549K) IS the -4.5% one-year change.
Windows contain 0 to 20 sales each (20 in the current window); every figure carries its sample size, and thin markets swing on single closings. 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.
BEAR CREEK COTTAGES Market Scorecard
BEAR CREEK COTTAGES is currently a balanced market., a median asking price of $499,350, and homes go under contract in about 79 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: emeraldcoast, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in BEAR CREEK COTTAGES
Live MLS inventory for BEAR CREEK COTTAGES. 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 · 74 daysTop listingActive · 215 daysActive · 44 daysActive · 20 daysActive · 79 daysActive · 79 daysActive · 230 daysActive · 25 days
Pending · 19 days
Pending · 75 daysActive and pending BEAR CREEK COTTAGES listings as of 2026-07-25, 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.
BEAR CREEK COTTAGES on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from emeraldcoast. 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 BEAR CREEK COTTAGES 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 COTTAGES address.
The BEAR CREEK COTTAGES buying strategy.
If we were buying in BEAR CREEK COTTAGES 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 COTTAGES.
A wide-vintage pocket, priced by condition
The defining feature here is age spread. A median build year of 2005 tells you the middle of the stock is relatively modern, but the range back to 1900 means some homes carry the maintenance profile of much older construction. That divergence is where the value is won or lost: two homes at similar square footage can justify very different prices based purely on systems, roof, and updates. Budget for inspection scrutiny.
Amenities are not the draw — none are identified from current MLS listings — so this is a location-and-house decision, not an amenity-package decision. The homestead share sits around 22%, which points to a meaningful non-owner-occupied presence; that is worth weighing if you care about the mix of long-term owners on your street and how quickly resales turn over.
The location and the amenities are priced into every listing in BEAR CREEK COTTAGES. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in BEAR CREEK COTTAGES buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (3.6). Basis: Recent Direction -4.5% year-over-year; Owner Commitment 22% owner-occupied; Pricing Power 90.5% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community where price is dictated by condition and vintage rather than a clean comp set, the analysis has to be done home by home. We read each listing against its build year, its updates, and the roughly 125-day market rhythm so you neither overpay for cosmetics nor walk from a sound house over a soft headline number.
BEAR CREEK COTTAGES in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- 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 COTTAGES 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 COTTAGES 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 COTTAGES, 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 COTTAGES home worth?
Get a no-obligation home value based on real comparable sales in BEAR CREEK COTTAGES, 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 homes for sale in BEAR CREEK COTTAGES on the map →
Frequently Asked Questions
What is the median home price in BEAR CREEK COTTAGES?
How long do homes in BEAR CREEK COTTAGES take to sell?
How many homes are in BEAR CREEK COTTAGES?
What share of BEAR CREEK COTTAGES is owner-occupied?
When were the homes in BEAR CREEK COTTAGES built?
Do cash buyers compete in BEAR CREEK COTTAGES?
Who is the best real estate agent for BEAR CREEK COTTAGES?
How do I find a top Freeport real estate agent who knows BEAR CREEK COTTAGES?
Can Momentum Realty connect me with an agent for BEAR CREEK COTTAGES?
Should you buy in BEAR CREEK COTTAGES?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near BEAR CREEK COTTAGES with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | emeraldcoast, refreshed twice daily (last: July 25, 2026) |
| Community market stats | emeraldcoast closed sales, 12-month windows ending July 25, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (8 streets, ZIP 32439)) |
| Historical depth | Closed-sale records back to 2017 (33 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 emeraldcoast 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 emeraldcoast member average and 8 days faster, and we’ll price yours against live your area comps.
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