Bear Creek Cottages
Homes for Sale in Freeport, FL
All 373 homes for sale in Freeport, FL · median $426,028 · 374 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 September 2026, Bear Creek Cottages in Freeport, FL has 9 homes for sale and 4 pending, asking from $466,138 to $675,000 (median $498,852). Over the 12 months ending 2026-09-20, 20 recorded sales closed at a median of $523,940, a median 141 days on market, sellers accepting 89% of original asking (-11% versus the prior year). Homes listed or recently sold were built 2024–2026 with 24 new construction; none of the 9 geocoded homes sit in a FEMA special flood hazard zone (median elevation 15 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $5,110 ($4,730 with the full homestead exemption).
| Location | Freeport, Walton County, FL · ZIP 32439 |
|---|---|
| Homes in the community | 12 (FL DOR 2025 assessment roll) |
| Years built | 1994–2024 (median 2024) |
| Typical living area | 2,514 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Pickleball, Exercise Room, Gated, Tennis Court(s), Playground, Pool |
| Sale prices, last 12 months | $523,940 median across 20 closed sales · -10.8% vs the prior 12 months |
| Days on market (closed sales) | 141 median |
| For sale right now | 8 active, 4 pending · median asking $498,851 · 5.1 months of supply |
| Owner-occupied (homestead) share | 9% |
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 COTTAGES key facts,” movewithmomentum.com/neighborhoods/bear-creek-cottages, data as of September 20, 2026.
Last 30 days in Bear Creek Cottages: 4 new listings (median asking $609,850), 4 under contract right now, 1 closed sale (median $620,000). As of September 28, 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.
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 · 1 daysTop listing
Active · 15 days
Active · 24 days
Active · 81 days
Active · 49 days
Active · 6 days
Active · 140 days
Active · 291 days
Active · 86 days
Pending · 19 days
Pending · 75 days
Pending · 118 days
Pending · 10 daysActive and pending Bear Creek Cottages listings as of 2026-09-28, 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 Bear Creek Cottages Right Now (13)
All 13 active and pending Bear Creek Cottages listings with a detail page, newest first, refreshed twice a day from the MLS.
- 136 Hibernate Way · $675,000 · 6 bd / 4 ba · listed Sep 24, 2026 · listed by VCFL Realty LLC
- 15 Bear Creek Boulevard · $498,850 · 4 bd / 3.5 ba · listed Sep 18, 2026 · listed by VCFL Realty LLC
- 127 Muzzle Street · $629,850 · 4 bd / 3.5 ba · listed Sep 9, 2026 · listed by VCFL Realty LLC
- Lot 2 Bear Creek Blvd Way · $589,850 · 4 bd / 2.5 ba · listed Aug 31, 2026 · listed by VCFL Realty LLC
- 67 Spirit Bear Way · $483,850 · 5 bd / 4 ba · pending · listed Aug 31, 2026 · listed by VCFL Realty LLC
- 55 Spirit Bear Way · $494,850 · 4 bd / 3.5 ba · pending · listed Aug 22, 2026 · listed by VCFL Realty LLC
- 154 Hidden Hive Way · $498,852 · 5 bd / 4 ba · listed Aug 6, 2026 · listed by VCFL Realty LLC
- Lot 25 Spirit Bear Way · $494,850 · 4 bd / 3.5 ba · pending · listed Jul 13, 2026 · listed by VCFL Realty LLC
- 109 Spirit Bear Way · $516,560 · 5 bd / 4 ba · listed Jul 5, 2026 · listed by VCFL Realty LLC
- 164 Hidden Hive Way · $466,138 · 4 bd / 3 ba · listed Jun 30, 2026 · listed by VCFL Realty LLC
- Lot 14 Clarke Hill Road · $494,850 · 5 bd / 4 ba · listed Jun 30, 2026 · listed by VCFL Realty LLC
- 29 Spirit Bear Way · $494,850 · 5 bd / 4 ba · listed Jun 30, 2026 · listed by VCFL Realty LLC
- Lot 10 Clarke Hill Road · $483,850 · 5 bd / 4 ba · pending · listed Jun 30, 2026 · listed by VCFL Realty LLC
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
🟡 Balanced market. 5.1 months of supply and 33% of the inventory already under contract put buyers and sellers on roughly even footing.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: Very High (12 active and pending listings, 20 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($524K) is down 10.8% from the prior 12 months ($588K). 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 Emerald Coast MLS closed sales, 12-month windows ending September 20. Confidence: Medium (20 and 7 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 29, 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 Cottages market snapshot (as of September 20, 2026): the median sale price is about $524K, a median 142 days on market for closed sales, and 5.1 months of supply, a balanced market. The trailing-12-month median is down 11% from the prior 12 months, computed from record-level Emerald Coast MLS closed sales (20 closings in the current window).
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.
County records show 6 qualified sales in BEAR CREEK COTTAGES across 2025–2025, median $487,500 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Bear Creek Cottages is a community of 12 homes in Freeport, Walton County, built between 1994 and 2024 (median 2024), with a median living area of about 2,514 square feet. 9% 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.
Swipe or use the arrows → tap any photo to enlarge
Bear Creek CottagesBear Creek CottagesBear Creek CottagesBear Creek CottagesBear Creek CottagesBear Creek CottagesBear Creek CottagesBear Creek CottagesPhotos from Emerald Coast MLS 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 September 20 of each year, from record-level Emerald Coast MLS 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 ($588K) IS the -10.8% 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 buyer's market. About 6.4 months of supply, a median asking price of $498,852, and homes go under contract in about 54 days.
Typical home value in the 32439 ZIP is $389,845, right around the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in BEAR CREEK COTTAGES, 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.
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 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 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.
Shop the zone: Homes zoned for Freeport High School
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 4 factors (2.9). Basis: Recent Direction -10.8% year-over-year; Liquidity & Demand 5.1 months of supply; Owner Commitment 9% owner-occupied; Pricing Power 88.6% 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
- HOA dues reported around $1,200/month (about $14,400/yr) · median of 15 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $1,200 per month ($14,400 a year) — the median AssociationFee across 15 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
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.
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Recently off market in BEAR CREEK COTTAGES
Homes in BEAR CREEK COTTAGES 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. 4 on record.
- 109 Sun Bear Circle · off market
- 61 E Grizzly Street · off market
- Lot 24 Spirit Bear Way · off market
- Lot D-5 Hidden Hive Way · off market
Frequently Asked Questions
What is the median home price in Bear Creek Cottages?
How long do homes in Bear Creek Cottages take to sell?
Is Bear Creek Cottages a buyer's or seller's market right now?
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?
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?
Where is Bear Creek Cottages, and what county is it in?
Is Bear Creek Cottages a good place to live?
Should you buy in Bear Creek Cottages?
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 28, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending September 20, 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 2017 (34 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.
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See how BEAR CREEK COTTAGES fits the bigger picture — live prices, inventory, and Momentum Scores:
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