Hammock Bay
Homes for Sale in Freeport, FL
All 316 homes for sale in Freeport, FL · median $424,850 · 334 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 November 2026, Hammock Bay in Freeport, FL has 42 homes for sale and 21 pending, asking from $279,900 to $2,700,000 (median $559,394). Over the 12 months ending 2026-11-09, 43 recorded sales closed at a median of $569,000, a median 51 days on market, sellers accepting 97% of original asking. Homes listed or recently sold were built 2007–2026 with 14 new construction; 74 of 75 report an HOA (median $199/mo); none of the 73 geocoded homes sit in a FEMA special flood hazard zone (median elevation 47 ft). At the median price and Walton County's FY2025-26 rate of 9.758 mills, annual property tax runs about $5,550 ($5,170 with the full homestead exemption).
Neighborhoods in the Hammock Bay area
MLS subdivisions in the same ZIP codes within Freeport, FL, placed by location around Hammock Bay (distance from the community centre). They are not necessarily part of the Hammock Bay plan.
- Crossings at Freeport · 7 for sale · 1.0 mi
- Hammock Oak Estates · 1 for sale · 1.0 mi
- Magnolia Bay Estates · 1 for sale · 1.1 mi
- Magnolia Landing Phase I · 0.9 mi
- Enclave · 1.5 mi
- Enclave at Freeport · 1.5 mi
- Hammock Oaks Estates Ph Ii · 1.0 mi
- Magnolia Landing Estates · 1.0 mi
- No Recorded Project · 1.2 mi
Villages & sections of Hammock Bay
Hammock Bay in Freeport, FL is a master-planned community recorded as 20 named villages and sections in the MLS; 55 homes are for sale or pending across them today. Each village has its own page with its listings, sales history and HOA/CDD facts.
- Hammock Bay - Bird Song · 19 for sale · 22 sold/12 mo
- Hammock Bay - Steamboat Landing · 17 for sale · 6 sold/12 mo
- Hammock Bay - Firefly · 7 for sale
- Hammock Bay - Mill Cottages · 2 for sale
- Hammock Bay - Symphony · 2 for sale
- Buxton's Mill in Hammock Bay · 1 for sale
- Firefly at Hammock Bay · 1 for sale
- Hammock Bay - Bliss · 1 for sale
- Hammock Bay - Central Park · 1 for sale
- Hammock Bay - Crescent · 1 for sale
- Hammock Bay - Moonswept · 1 for sale
- Parkview at Hammock Bay · 1 for sale
- The Trails at Hammock Bay · 1 for sale
- Hammock Bay - Starburst · 4 sold/12 mo
- Buxton's Mill at Hammock Bay
- Hammock Bay - Lanterns
- Hammock Bay - Wildflower
- Schooner Landing at Hammock Bay
- Sweetwater/Hammock Bay
- Symphony at Hammock Bay
Last 30 days in Hammock Bay: 9 new listings (median asking $499,950), 21 under contract right now, 12 closed sales (median $524,450). As of November 11, 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 Hammock Bay
Live MLS inventory for Hammock Bay. 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 · 5 daysTop listing
Active · 99 days
Active · 26 days
Active · 258 days
Active · 51 days
Active · 414 days
Active · 66 days
Active · 110 days
Active · 232 days
Active · 21 days
Active · 139 days
Active · 295 days
Active · 55 days
Active · 134 daysActive and pending Hammock Bay listings as of 2026-11-11, 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.
Price at Hammock Bay is driven by home itself more than by any shared amenity package — no community amenities turned up in the current MLS listings, so what you're paying for is the house. Stock here skews newer, with a median build year of 2018 and a median size of 2,669 square feet, though the range runs all the way back to 1972, so condition and vintage cut a wide spread around the $477,500 median.
The current posture favors buyers. Median days on market sits near 59, the market heat score is a cool 23, and prices are down 12.5% year over year. That combination — slower sales, softer pricing, 64 active listings against a 100-closing window — means sellers should price to the current market, not last year's, and buyers have room to negotiate on the right listing.
Figures in this note are as of July 25, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Hammock Bay right now
🟢 Buyer-leaning market. 11.7 months of supply and 34% 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 November 9, 2026. Confidence: Very High (64 active and pending listings, 43 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 12, 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
Hammock Bay market snapshot (as of November 9, 2026): the median sale price is about $569K, a median 51 days on market for closed sales, and 11.7 months of supply, a buyer-leaning market.
In ZIP 32439 (Freeport), 238 homes closed in the last 12 months at a median of $375K, with a median 71 days on market. Right now 222 active and 87 pending listings put supply at about 11.2 months — a buyer's market. See the live ZIP 32439 housing market and the Walton County market.
County records show 93 qualified sales in HAMMOCK BAY across 2024–2025 (59 in 2024, 34 in 2025), median $570,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Hammock Bay: of 47 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Freeport.
Hammock Bay is a community of 715 homes in Freeport, Walton County, built between 1972 and 2024 (median 2018), with a median living area of about 2,760 square feet. 74% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Hammock Bay is a large, predominantly newer-construction community in Freeport with roughly 1,809 homes, where the median home is a 2018-built, 2,669-square-foot house priced at $477,500. A homestead share above 75% points to a mostly owner-occupied base rather than an investor or rental-heavy one.
The setting & the homes.
Aerial and on-site photos of Hammock Bay. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Hammock BayHammock BayPhotos from Emerald Coast MLS listings in Hammock Bay; content deemed reliable but not guaranteed.
Who Hammock Bay is best for.
Best for
- Buyers targeting newer construction around a $477,500 median who want negotiating leverage in a slower market
- Owner-occupant buyers comfortable in a high-homestead community rather than a rental-heavy one
- Patient buyers willing to compare homes across a wide age range to find condition-driven value
Probably not for
- Buyers who require a resort-style amenity package, since none surfaced in current listings
- Short-horizon buyers who can't absorb a market that's down 12.5% year over year
- Sellers who insist on last year's pricing in a market with a heat score of 23
Hammock Bay 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
- Freeport · Elementary
- Freeport · Middle
- Freeport · High
Zoned schools reflect the assignments reported on recent Hammock Bay 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 Hammock Bay address.
Shop the zone: Homes zoned for Freeport High School
The Hammock Bay buying strategy.
If we were buying in Hammock Bay 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 Hammock Bay.
A newer Freeport market in a buyer's window
The long arc is up — values are 118% higher than in 2012 — but the last year has cooled meaningfully, off 12.5%. Read those two numbers together: this has been a growth story over the long haul that is now in a correction, which is exactly the environment where disciplined pricing matters most on both sides of the table.
Because no community amenities show up in the listing data, value differences come down to the individual home — age, layout, and condition against that 2,669-square-foot median. With build years spanning 1972 to 2024, a buyer should expect to compare a like-new build directly against something a half-century older, and price accordingly rather than leaning on a neighborhood-wide average.
The location and the amenities are priced into every listing in Hammock Bay. 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 Hammock Bay 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 (5.2). Basis: Liquidity & Demand 11.7 months of supply; Owner Commitment 74% owner-occupied; Pricing Power 97.1% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market that's slowed to a heat score of 23 with homes taking close to two months to sell, the pricing conversation is the whole game. We ground it in the actual closings and the 64 active listings competing right now, so sellers don't chase a stale number and buyers know which listings have real negotiating room.
Hammock Bay in 15 seconds.
Tools for a Hammock Bay 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 Hammock Bay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Hammock Bay, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Hammock Bay home worth?
Get a no-obligation home value based on real comparable sales in Hammock Bay, 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 →
Recently off market in HAMMOCK BAY
Homes in HAMMOCK BAY 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. 58 on record.
- 102 Polaris Place · off market
- 102 Shimmer Circle · off market
- 115 Lilly Bell Lane · off market
- 131 Dusky Way · off market
- 132 Shimmer Circle · off market
- 14 Madiera Drive · off market
- 140 Flora Lane · off market
- 145 Mango Lane · off market
| Location | Freeport, Walton County, FL · ZIP 32439 |
|---|---|
| Homes in the community | 715 (FL DOR 2025 assessment roll) |
| Years built | 1972–2024 (median 2018) |
| Typical living area | 2,760 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Pool, Playground, Tennis Court(s), Exercise Room, Community Room, Fishing |
| Sale prices, last 12 months | $569,000 median across 43 closed sales |
| Days on market (closed sales) | 51 median |
| For sale right now | 42 active, 22 pending · median asking $594,194 · 11.7 months of supply |
| Owner-occupied (homestead) share | 74% |
Data as of November 9, 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, “Hammock Bay key facts,” movewithmomentum.com/neighborhoods/hammock-bay, data as of November 9, 2026.
Housing distress & ownership in HAMMOCK BAY, 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.
Just listed in Hammock Bay
The newest homes for sale in Hammock Bay right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 300 Brighton Cove $499,950 · 3 bd · 3 ba · listed Nov 11, 2026 Courtesy of 1 Percent Lists Florida Coast
- 71 Clermont Cove $2,700,000 · 5 bd · 5 ba · listed Nov 7, 2026 Courtesy of Compass
- 114 Fanny Ann Way $319,900 · 3 bd · 2 ba · listed Nov 6, 2026 Courtesy of Coldwell Banker Realty
- 36 Brighton Cove $609,999 · 4 bd · 3 ba · listed Nov 2, 2026 Courtesy of Altitudes Realty Group
- 277 Dickens Drive $372,500 · 4 bd · 2 ba · listed Oct 31, 2026 Courtesy of Keller Williams Realty SRB
- 106 E Sky Way $494,900 · 4 bd · 3 ba · listed Oct 25, 2026 Courtesy of Gulf Coast Realty Of Niceville
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Hammock Bay Right Now (56)
All 56 active and pending Hammock Bay listings with a detail page, newest first, refreshed twice a day from the MLS.
- 300 Brighton Cove · $499,950 · 3 bd / 3 ba · listed Nov 10, 2026 · listed by 1 Percent Lists Florida Coast
- 71 Clermont Cove · $2,700,000 · 5 bd / 5 ba · listed Nov 6, 2026 · listed by Compass
- 114 Fanny Ann Way · $319,900 · 3 bd / 2 ba · listed Nov 5, 2026 · listed by Coldwell Banker Realty
- 36 Brighton Cove · $609,999 · 4 bd / 3 ba · listed Nov 1, 2026 · listed by Altitudes Realty Group
- 277 Dickens Drive · $372,500 · 4 bd / 2 ba · listed Oct 30, 2026 · listed by Keller Williams Realty SRB
- 106 E Sky Way · $494,900 · 4 bd / 3 ba · listed Oct 24, 2026 · listed by Gulf Coast Realty Of Niceville
- 529 Lightning Bug Lane · $365,000 · 3 bd / 2 ba · listed Oct 23, 2026 · listed by Counts Real Estate Group Inc
- 320 Symphony Way · $799,900 · 4 bd / 3 ba · listed Oct 22, 2026 · listed by Real Estate Empowered LLC
- 350 Shimmer Circle · $1,456,019 · 5 bd / 3.5 ba · listed Oct 16, 2026 · listed by Randy Wise Realty LLC
- 61 Brighton Cove · $639,900 · 3 bd / 3 ba · listed Oct 11, 2026 · listed by Legacy Premier Agency LLC
- 202 Secret Street · $489,900 · 3 bd / 2 ba · listed Oct 1, 2026 · listed by Hammock Bay
- 288 Fanny Ann Way · $485,000 · 5 bd / 3.5 ba · pending · listed Sep 23, 2026 · listed by Coldwell Banker Realty
- 25 Caymus Cove · $1,298,785 · 6 bd / 4 ba · listed Sep 21, 2026 · listed by Level Up Living Realty
- 233 Whitman Way · $399,900 · 3 bd / 2 ba · pending · listed Sep 18, 2026 · listed by Hammock Bay
- 389 Meadow Lake Drive · $695,000 · 4 bd / 3 ba · listed Sep 17, 2026 · listed by Keller Williams Realty SRB
- 129 Leap Year Lane · $500,000 · 3 bd / 2.5 ba · listed Sep 11, 2026 · listed by 30A Local Real Estate
- 88 Fanny Ann Way · $319,000 · 3 bd / 2 ba · pending · listed Sep 11, 2026 · listed by Hammock Bay
- 209 Nelly Street · $320,000 · 3 bd / 2 ba · listed Sep 8, 2026 · listed by Coldwell Banker Realty
- 33 Caymus Cove · $1,099,000 · 4 bd / 3.5 ba · listed Sep 6, 2026 · listed by Barbee Realty Inc
- 105 Amadeus Avenue · $365,000 · 3 bd / 2 ba · pending · listed Sep 4, 2026 · listed by RE/MAX Gulf Coast Realty
- 37 Melody Lane · $650,000 · 4 bd / 2.5 ba · listed Sep 1, 2026 · listed by EXP Realty LLC
- 41 Haven Way · $538,900 · 4 bd / 3.5 ba · pending · listed Sep 1, 2026 · listed by Bay Living Inc
- 497 Symphony Way · $443,900 · 3 bd / 2 ba · pending · listed Aug 31, 2026 · listed by Keller Williams Realty SRB
- 110 Harmony Way · $929,000 · 4 bd / 3 ba · pending · listed Aug 28, 2026 · listed by Hammock Bay
- 24 Brighton Cove · $599,000 · 5 bd / 3 ba · pending · listed Aug 27, 2026 · listed by Carriage Hills Realty Inc
- 239 Mango Lane · $459,500 · 4 bd / 3.5 ba · listed Aug 25, 2026 · listed by Hammock Bay
- 426 Fanny Ann Way · $354,900 · 3 bd / 2 ba · listed Aug 17, 2026 · listed by Merrifield & Pilcher Realty
- 518 E Tweet Street · $580,000 · 4 bd / 3 ba · pending · listed Aug 16, 2026 · listed by Hammock Bay
- 380 This Way · $347,500 · 4 bd / 2 ba · listed Aug 14, 2026 · listed by Coldwell Banker Realty
- 669 Earl Godwin Road · $295,000 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by Real Broker LLC
- 121 Revana Way · $1,499,000 · 5 bd / 5 ba · listed Aug 13, 2026 · listed by ERA American Real Estate
- 165 Blaze Boulevard · $620,000 · 5 bd / 3 ba · listed Aug 13, 2026 · listed by Keller Williams Realty Destin
- 283 Sweet Tea Lane · $609,500 · 4 bd / 3 ba · listed Aug 13, 2026 · listed by Coldwell Banker Realty
- 23 Vintage Cove · $859,000 · 4 bd / 3.5 ba · listed Aug 13, 2026 · listed by Hammock Bay
- 71 Nelly Street · $388,900 · 4 bd / 3 ba · listed Aug 13, 2026 · listed by Berkshire Hathaway HomeServices
- 663 Earl Godwin Road · $279,900 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by Keller Williams Realty Destin
- 446 Mango Lane · $614,000 · 5 bd / 3 ba · listed Aug 13, 2026 · listed by ERA American Real Estate
- 395 Windchime Way · $415,000 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by ERA American Real Estate
- 18 W Sky Way · $500,000 · 4 bd / 3 ba · listed Aug 13, 2026 · listed by Sea Haus Realty
- 36 Madiera Drive · $674,900 · 5 bd / 3 ba · listed Aug 13, 2026 · listed by EXP Realty LLC
- 355 Mill Pond Cove · $799,000 · 4 bd / 3 ba · listed Aug 13, 2026 · listed by Fathom Realty FL LLC
- 629 Earl Godwin Road · $285,000 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by Hammock Bay
- 240 Whitman Way · $449,000 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by World Impact Real Estate
- 48 Madiera Drive · $539,900 · 4 bd / 3 ba · listed Aug 13, 2026 · listed by Hammock Bay
- 41 Dickens Drive · $404,000 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by Berkshire Hathaway Home Services PenFed Realty
- 174 Revana Way · $834,000 · 3 bd / 2.5 ba · listed Aug 13, 2026 · listed by Compass
- 186 Revana Way · $1,374,640 · 5 bd / 5 ba · listed Aug 13, 2026 · listed by HomeBiz Properties
- 183 Meadow Lake Drive · $578,888 · 4 bd / 2.5 ba · listed Aug 13, 2026 · listed by Coldwell Banker Realty
- 14 Lullaby Lane · $775,000 · 5 bd / 3 ba · listed Aug 13, 2026 · listed by Longleaf Real Estate
- 471 Shimmer Circle · $1,264,850 · 4 bd / 3.5 ba · listed Aug 13, 2026 · listed by Randy Wise Realty LLC
- 379 Whitman Way · $394,250 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by 30A Local Real Estate
- 471 Symphony Way · $444,900 · 5 bd / 2.5 ba · pending · listed Aug 13, 2026 · listed by 1 Percent Lists Florida Coast
- 172 Mill Pond Cove · $750,000 · 4 bd / 3 ba · pending · listed Aug 13, 2026 · listed by Serhant
- 201 Canopy Cove · $548,000 · 5 bd / 3 ba · pending · listed Aug 13, 2026 · listed by HomeBiz Properties
- 7 Cozy Cove · $423,900 · 3 bd / 2 ba · pending · listed Aug 13, 2026 · listed by Hammock Bay
- 266 Sweet Tea Lane · $649,900 · 5 bd / 3 ba · pending · listed Aug 13, 2026 · listed by Coastal Collective Realty LLC
Recently sold in Hammock Bay
- 253 Picnic Place · sold $549,900
- Lot 21 Shimmer Circle · sold $1,491,940
- 247 E Sky Way · sold $489,900
- 402 Sweet Tea Lane · sold $499,000
- 246 Lottie Loop · sold $469,900
- 77 Meadow Lake Drive · sold $651,000
- 181 Revana Way · sold $1,427,737
- 132 Shimmer Circle · sold $1,201,829
- 400 Lilly Bell Lane · sold $428,000
- 628 Meadow Lake Drive · sold $665,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Freeport home searches
- All homes for sale in Freeport, FL
- Homes for sale in Walton County, FL
- Freeport pool homes for sale
- Freeport home values: what is my house worth?
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
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Fanny Ann Way (58 homes on record)
- Cornelia Street (55 homes on record)
- Lilly Bell Lane (52 homes on record)
- Windchime Way (46 homes on record)
- Camellia Court (46 homes on record)
- Whitman Way (42 homes on record)
- Brighton Cove (39 homes on record)
- Symphony Way (39 homes on record)
- Nelly Street (38 homes on record)
- Concert Court (38 homes on record)
- Mango Lane (36 homes on record)
- Dickens Drive (33 homes on record)
What it really costs to own in Hammock Bay
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 $3,569/yr across 9 listings here (MLS tax records, 2026-11-12). |
|---|---|
| HOA dues | Median $199/month across 21 MLS listings (most billed quarterly; 2026-11-12). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| 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. Flood: of 47 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2019 across 12 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Estimated carrying cost at the median asking price, before the mortgage: about $658/month (tax $297, HOA $199, insurance $162). An estimate from the sources above, not a quote.
Email me new listings in Hammock Bay
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 Hammock Bay
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Hammock Bay will answer, and the answer is published on this page for the next buyer.
33% of homes for sale in Hammock Bay 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 (2026-11-12).
HAMMOCK BAY Market Scorecard
HAMMOCK BAY is currently a balanced market. About 4.6 months of supply, a median asking price of $559,394, and homes go under contract in about 98 days.
Typical home value in the 32439 ZIP is $388,440, 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.
Frequently Asked Questions
What is the median home price in Hammock Bay?
How long do homes in Hammock Bay take to sell?
Is Hammock Bay a buyer's or seller's market right now?
How many homes are in Hammock Bay?
What share of Hammock Bay is owner-occupied?
When were the homes in Hammock Bay built?
Who is the best real estate agent for Hammock Bay?
How do I find a top Freeport real estate agent who knows Hammock Bay?
Can Momentum Realty connect me with an agent for Hammock Bay?
Where is Hammock Bay, and what county is it in?
Is Hammock Bay in a flood zone?
Is Hammock Bay a good place to live?
Should you buy in Hammock Bay?
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: November 11, 2026) |
| Community market stats | Emerald Coast MLS closed sales, 12-month windows ending November 9, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (16 streets, ZIP 32439)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
| Historical depth | Closed-sale records back to 2026 (43 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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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. A Momentum agent can price yours against live local comps.
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See how HAMMOCK BAY fits the bigger picture — live prices, inventory, and Momentum Scores: