Camp Creek Lake
Homes for Sale in Inlet Beach, FL
All 286 homes for sale in Inlet Beach, FL · median $1,900,000 · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of October 2026, Camp Creek Lake in Inlet Beach, FL has 3 homes for sale. Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $4,364,500, a median 209 days on market, sellers accepting 84% of original asking. Homes listed or recently sold were built 1979–2026 with 1 new construction; none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 23 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $42,590 ($42,200 with the full homestead exemption).
Part of the Camp Creek master-planned community in Inlet Beach, FL — see all Camp Creek homes for sale (29 listings across 7 villages and sections in the MLS).
Homes For Sale Right Now in Camp Creek Lake
Live MLS inventory for Camp Creek Lake. 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 · 152 daysTop listing
Active · 119 daysActive · 103 daysActive and pending Camp Creek Lake listings as of 2026-10-17, 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.
Camp Creek Lake sits at the top end of the Inlet Beach market, with a median price of $4,364,500. At this level, the number is driven by land position, build quality, and proximity to the water far more than by any standard price-per-foot math — each listing tends to be its own negotiation rather than a comp off the one next door.
The posture right now is patient. With a median of about 210 days on market and only 4 active listings against 4 closings, this is a thin, slow-turning market where nothing moves on impulse. Buyers have time to underwrite carefully; sellers need to price to condition and be prepared to wait for the right match rather than a fast one.
Camp Creek Lake right now
🟢 Buyer-leaning market. 9.0 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: Medium (3 active and pending listings, 4 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 18, 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
Camp Creek Lake market snapshot (as of September 20, 2026): the median sale price is about $4.36M, a median 210 days on market for closed sales, and 9.0 months of supply, a buyer-leaning market.
In ZIP 32459 (Inlet Beach), 967 homes closed in the last 12 months at a median of $960K, up 2.0% year over year, with a median 82 days on market. Right now 496 active and 94 pending listings put supply at about 7.0 months — a buyer's market. See the live ZIP 32459 housing market and the Walton County market.
Camp Creek Lake is a community of 55 homes in Inlet Beach, Walton County, built between 1978 and 2024 (median 1989), with a median living area of about 3,110 square feet. 29% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
This is a small, high-end pocket of Inlet Beach where inventory is measured in single digits and homes sit for the better part of a year. Expect a deliberate process on both sides of the table.
The setting & the homes.
Aerial and on-site photos of Camp Creek Lake. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Camp Creek LakeCamp Creek LakeCamp Creek Lake
Camp Creek Lake
Camp Creek Lake
Camp Creek LakePhotos from Emerald Coast MLS listings in Camp Creek Lake; content deemed reliable but not guaranteed.
Who Camp Creek Lake is best for.
Best for
- Buyers with a multi-million-dollar budget who value a small, low-inventory setting
- Purchasers who can move slowly and underwrite each property on its own merits
- Sellers willing to price to condition and wait for the right match
Probably not for
- Buyers needing a fast close or immediate liquidity
- Anyone expecting a shared amenity package to anchor value
- Sellers who need to move quickly at a predictable, comp-driven price
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 ($4.36M) IS the median in the snapshot above.
Windows contain 0 to 5 sales each (4 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.
24% of homes for sale in ZIP 32461 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 (2026-10-17).
Camp Creek Lake Market Scorecard
Camp Creek Lake is currently a buyer-leaning market. About 9.0 months of supply, a median asking price of $2,695,000, and homes go under contract in about 119 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Emerald Coast MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Camp Creek Lake 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 contributors.
Schools
- Walton County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Dune Lakes · Elementary
- Emerald Coast · Middle
- South Walton · High
Zoned schools reflect the assignments reported on recent Camp Creek Lake 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 Camp Creek Lake address.
Shop the zone: Homes zoned for South Walton High School
The Camp Creek Lake buying strategy.
If we were buying in Camp Creek Lake 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 Camp Creek Lake.
A thin, deliberate luxury market
The defining feature here is scarcity paired with time. Four active listings and four recent closings mean there is very little to compare against, and the roughly 210-day median days-on-market tells you buyers are taking their time and sellers are holding out for their price. That combination makes the median a starting reference point, not a formula — the spread between two homes can be wide and is largely condition- and location-driven.
No community amenities surfaced from current MLS listings, so the value proposition is the setting and the individual property, not a shared amenity package. That puts the burden on due diligence: understand exactly what each home offers on its own lot, because you are not buying into a standardized product.
The location and the amenities are priced into every listing in Camp Creek Lake. 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 Camp Creek Lake 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 (1.3). Basis: Liquidity & Demand 9.0 months of supply; Owner Commitment 29% owner-occupied; Pricing Power 83.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market this thin, the wrong assumption costs real money. We work the actual listings and closings rather than a generic average, help you read condition and location against the median, and keep the process disciplined on timing — because at roughly 210 days on market, patience and accurate pricing matter more than motion.
Camp Creek Lake in 15 seconds.
What it really costs to own in Camp Creek Lake
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $35,952/yr across 3 listings here (MLS tax records, 2026-10-18). |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Walton County is $1,942/yr (433 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1980 across 3 listings. An original roof here would be about 46 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Camp Creek Lake
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 Camp Creek Lake
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Camp Creek Lake will answer, and the answer is published on this page for the next buyer.
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 Camp Creek Lake 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 Camp Creek Lake sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Camp Creek Lake, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Camp Creek Lake home worth?
Get a no-obligation home value based on real comparable sales in Camp Creek Lake, 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 Inlet Beach →
| Location | Inlet Beach, Walton County, FL · ZIP 32459, 32461 |
|---|---|
| Homes in the community | 55 (FL DOR 2025 assessment roll) |
| Years built | 1978–2024 (median 1989) |
| Typical living area | 3,110 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Short Term Rental - Allowed, Gated, Waterfront, Beach, Dock, Fire Alarm |
| Sale prices, last 12 months | $4,364,500 median across 4 closed sales |
| Days on market (closed sales) | 209 median |
| For sale right now | 3 active, 0 pending · median asking $2,695,000 · 9.0 months of supply |
| Owner-occupied (homestead) share | 29% |
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, “Camp Creek Lake key facts,” movewithmomentum.com/neighborhoods/camp-creek-lake, data as of September 20, 2026.
Housing distress & ownership in CAMP CREEK LAKE, Inlet Beach
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.
Just listed in Camp Creek Lake
The newest homes for sale in Camp Creek Lake right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 27 Chance Lane $2,249,000 · 5 bd · 4.5 ba · 106 days on market Courtesy of Christies International Real Estate Emerald Coast
- 178 Pelican Circle $2,300,000 · 4 bd · 3 ba · 122 days on market Courtesy of Compass
- 211 Pelican Circle $7,900,000 · 4 bd · 4 ba · 155 days on market Courtesy of Christies International Real Estate Emerald Coast
Checked against the MLS Oct 18, 2026. All new listings in this market.
Every Home for Sale in Camp Creek Lake Right Now (3)
All 3 active and pending Camp Creek Lake listings with a detail page, newest first, refreshed twice a day from the MLS.
- 27 Chance Lane · $2,249,000 · 5 bd / 4.5 ba · listed Jul 16, 2026 · listed by Christies International Real Estate Emerald Coast
- 178 Pelican Circle · $2,300,000 · 4 bd / 3 ba · listed Jul 16, 2026 · listed by Compass
- 211 Pelican Circle · $7,900,000 · 4 bd / 4 ba · listed Jul 16, 2026 · listed by Christies International Real Estate Emerald Coast
More Inlet Beach home searches
- All homes for sale in Inlet Beach, FL
- Homes for sale in Walton County, FL
- Inlet Beach waterfront homes for sale
- Gated communities in Inlet Beach
- Inlet Beach golf course homes
- 4-bedroom homes for sale in Inlet Beach
- Inlet Beach home values: what is my house worth?
- ZIP 32459 housing scorecard
- 5 coming-soon communities in Walton County
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Pelican Circle (20 homes on record)
Frequently Asked Questions
What is the median home price in Camp Creek Lake?
How long do homes in Camp Creek Lake take to sell?
Is Camp Creek Lake a buyer's or seller's market right now?
How many homes are in Camp Creek Lake?
What share of Camp Creek Lake is owner-occupied?
When were the homes in Camp Creek Lake built?
Who is the best real estate agent for Camp Creek Lake?
How do I find a top Inlet Beach real estate agent who knows Camp Creek Lake?
Can Momentum Realty connect me with an agent for Camp Creek Lake?
Where is Camp Creek Lake, and what county is it in?
Should you buy in Camp Creek Lake?
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 17, 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 (1 streets, ZIP 32459/32461)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 1996 (37 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 →
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 CAMP CREEK LAKE fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Camp Creek Lake
- Home values · What homes in Camp Creek Lake actually sell for
Nearby Communities
Explore more neighborhoods near Camp Creek Lake with Momentum Realty’s local guides.