Choctaw Beach in Freeport

Choctaw Beach
Homes for Sale in Freeport, FL

All 379 homes for sale in Freeport, FL · median $428,000 · 340 homes for sale in 32439 · Walton County homes for sale

Community in Freeport · Walton County · ZIP 32439
8 homesBuilt 1958–2022
Free · No obligation
Talk to a Choctaw Beach Expert

True comps, carrying-cost math, and listings before the portals.

Photo via Emerald Coast MLS

Built fromLive Emerald Coast MLS data31 years of closingsFL DOR public recordsUpdated twice daily

As of September 2026, the MLS records 12 closed sales in Choctaw Beach in Freeport, FL since 1995, the most recent in July 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 296 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).

CHOCTAW BEACH key facts
LocationFreeport, Walton County, FL · ZIP 32439, 32578
Homes in the community8 (FL DOR 2025 assessment roll)
Years built1958–2022 (median 1986.5)
Typical living area1,755 sq ft (median)
For sale right now0 active, 0 pending
Owner-occupied (homestead) share40%

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, “CHOCTAW BEACH key facts,” movewithmomentum.com/neighborhoods/choctaw-beach, data as of September 20, 2026.

Live · Choctaw Beach Housing Pulse Emerald Coast MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0 · 0
For sale · pending
live counts, refreshed twice daily
Ownership and context
40%
Owner-occupied · Choctaw Beach
4 of 10 parcels homesteaded (FL DOR 2025)
60%
Non-owner-occupied · Choctaw Beach
incl. 20% trust or LLC-held · 20% out-of-state
8
Homes in the community
plus 2 vacant residential lots · 10 residential parcels (FL DOR 2025)
Track record · 31 years of records
Est. 1958
Community established
homes built 1958-2022, median 1987 (FL DOR 2025)
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Choctaw Beach is a small pocket of roughly 65 homes in Freeport, and the first thing to understand is the age spread: the housing stock runs from 1900 all the way to 2023, with a median build year of 1982. That range tells you price here is driven by condition and individual improvement, not by a uniform product. Two homes on the same street can trade very differently depending on updates, structure, and lot. The only price figure worth anchoring to is the median, and around it the spread is wide.

Right now there are zero active listings, so the market posture is thin. For sellers, that scarcity can work in your favor when a home does come up — there is little to compete against. For buyers, it means patience and readiness: inventory here is episodic, and when the right home lists you will want financing and inspection expectations settled in advance. This is not a community you shop casually; it is one you wait for.

Nearby homes for sale

No active listings inside CHOCTAW BEACH right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.

13636 St Highway 20
$426K · 0.3 mi away
3 bd · 2 ba
13636 St Highway 20
Listed by HomeBiz Properties
13947 FL-20
$429K · 0.7 mi away
3 bd · 2 ba
13947 FL-20
Listed by Coldwell Banker Realty
31 E Kathy Lane
$569K · 0.7 mi away
4 bd · 3 ba
31 E Kathy Lane
Listed by Cindy Cole Fine Homes LLC
14040 W St Hwy 20, Niceville FL, 32578
$519K · 0.7 mi away
5 bd · 5.5 ba
14040 W St Hwy 20, Niceville FL, 32578
Listed by Go Coastal Real Estate
14138 State Highway 20
$665K · 0.8 mi away
4 bd · 3 ba
14138 State Highway 20
Listed by The Realty Firm Inc
14212 FL-20
$495K · 0.9 mi away
3 bd · 2 ba
14212 FL-20
Listed by Hammock Bay

Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.

The 60-Second Overview

With about 65 homes and a median size around 1,555 square feet, Choctaw Beach is a compact Freeport enclave where the mix of century-old and brand-new construction means each home has to be judged on its own merits.

Emerald Coast MLS sales records identify 7 homes in CHOCTAW BEACH that have changed hands since 2016, built between 1943 and 2003 (median 1966), with a median living area of about 2,052 sq ft and a typical 4-bedroom, 2-bath layout; 86% 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.

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.

Best for

  • Buyers comfortable waiting for the right home to list in a low-inventory pocket
  • Those wanting a right-sized home near the ~1,555 sq ft median rather than maximum space
  • Buyers willing to underwrite a specific home on its condition, not on the area median

Probably not for

  • Buyers who need to purchase quickly with active options on the market today
  • Those seeking shared community amenities, none of which appear in current listings
  • Buyers wanting a large-footprint or uniformly new-construction product

The market around Choctaw Beach

Choctaw Beach 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 Choctaw Beach specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in CHOCTAW BEACH, Freeport

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 4 listings
Distress share trend — 0.0% now (2026-08-10 → 2026-09-19)

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.

If we were buying in Choctaw Beach today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Choctaw Beach.

Best Buy
Buyers who want a modest footprint in a small Freeport pocket and can move when inventory appears.
Biggest Risk
Price is condition-driven, so the median tells you little about any single home.
Sweet Spot
An updated home near the 1,555 sq ft median that has been well maintained for its age.
Avoid If
You need immediate inventory, community amenities, or a large square-foot home.

A condition-driven micro-market

The defining feature here is variability. A median year built of 1982 sits inside a range that reaches back to 1900 and forward to 2023, so buyers should expect everything from original older structures to recent builds. That variability is where value lives and where risk hides — the median price is a midpoint, not a menu, and what a specific home is worth depends heavily on what has been done to it. Assume nothing from the median alone.

Homestead share sits at half, meaning a meaningful portion of these homes are owner-occupied primary residences and the rest are not. No community amenities turn up in current MLS listings, so this is a place you buy for the home and the Freeport location in Walton County rather than for shared facilities. At a median around 1,555 square feet, the footprint is modest — right-sized for buyers who want a manageable home rather than maximum square footage.

“

The location and the amenities are priced into every listing in Choctaw Beach. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a market this small with no active listings, timing and local read matter more than search filters. We track what actually turns over in Choctaw Beach, we can tell you whether a given home's age and condition justify its ask, and we will be honest when the median figure is misleading for the specific property in front of you. That candor is worth more here than in a market with dozens of comparable listings.

Choctaw Beach in 15 seconds.

Best forBuyers who want a modest footprint in a small Freeport pocket and can move when inventory appears.
Biggest advantageWide range of home ages and a thin active market that rewards prepared sellers.
Biggest riskPrice is condition-driven, so the median tells you little about any single home.
Sweet spotAn updated home near the 1,555 sq ft median that has been well maintained for its age.
Avoid ifYou need immediate inventory, community amenities, or a large square-foot home.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Choctaw Beach homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Choctaw Beach.
In short
  • 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.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Choctaw Beach sales matched to your home.

What is your Choctaw Beach home worth?

Get a no-obligation home value based on real comparable sales in Choctaw Beach, 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 →

Real comps, not an automated estimate.

Recently off market in CHOCTAW BEACH

Homes in CHOCTAW BEACH 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. 1 on record.

Frequently Asked Questions

How many homes are in Choctaw Beach?
The Florida DOR 2025 assessment roll shows 8 homes plus 2 vacant residential lots in Choctaw Beach (public records).
What share of Choctaw Beach is owner-occupied?
40% of Choctaw Beach parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Choctaw Beach built?
Homes in Choctaw Beach were built between 1958 and 2022, with a median year built of 1986.5 (FL DOR 2025 roll).
Who is the best real estate agent for Choctaw Beach?
The best agent for Choctaw Beach is one who actively works Freeport and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Choctaw Beach.
How do I find a top Freeport real estate agent who knows Choctaw Beach?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Choctaw Beach and the wider Freeport area.
Can Momentum Realty connect me with an agent for Choctaw Beach?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Choctaw Beach purchase or sale - no call center and no pressure.
Where is Choctaw Beach, and what county is it in?
Choctaw Beach is in Freeport, Walton County, FL, ZIP codes 32439, 32578. The community's center is about 3 miles west of the center of Freeport (straight-line).
Buyers comfortable waiting for the right home to list in a low-inventory pocketExcellent fit
Those wanting a right-sized home near the ~1,555 sq ft median rather than maximum spaceExcellent fit
Buyers willing to underwrite a specific home on its condition, not on the area medianExcellent fit
Buyers who need to purchase quickly with active options on the market todayProbably not
Those seeking shared community amenities, none of which appear in current listingsProbably not
Buyers wanting a large-footprint or uniformly new-construction productProbably not

Data sources & freshness

Live listingsEmerald Coast MLS, refreshed twice daily (last: September 26, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (2 streets, ZIP 32439/32578))
Under-contract sharesEmerald Coast MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 1995 (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.

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.

By submitting, you agree that EAB RE INVESTMENTS LLC (Momentum Realty) and its agents may call, email, and text you about your inquiry, which may involve automated means and prerecorded or artificial voices. You do not need to consent as a condition of buying any property, goods, or services. To opt out, reply STOP at any time or reply HELP for assistance. You can also click the unsubscribe link in emails. Message and data rates may apply. Message frequency may vary. See our Privacy Policy and SMS Terms.or call (904) 351-6461
CallFree valuation →

Nearby Communities

Explore more neighborhoods near Choctaw Beach with Momentum Realty’s local guides.

Choctaw0.2 mi away · 50 homes, built 1964–23Choctaw S D0.2 mi awayCherokee0.5 mi away · 114 homes, built 1920–24Chickasaw S D (Walton)0.5 mi away · 37 homes, built 1943–24, 4 for saleChickasaw0.6 mi awayChickasaw S D0.6 mi awayCherokee S D0.7 mi away · 6 homes, built 2022–24Lake Sharon Estates (Walton)0.9 mi away · 78 homes, built 1950–23, 1 for sale

Browse all neighborhood guides →

Talk to a Local Choctaw Beach Expert
Call Get Listings