Hammock Bay - Mill Cottages
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 - Mill Cottages in Freeport, FL has 1 home for sale. Homes listed or recently sold were built 2020–2021; 6 of 6 report an HOA (median $198/mo); none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 53 ft).
Part of the Hammock Bay master-planned community in Freeport, FL — see all Hammock Bay homes for sale (118 listings across 20 villages and sections in the MLS).
Hammock Bay - Mill Cottages right now
🟡 Balanced market. 3.0 months of supply and 50% 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 November 9, 2026. Confidence: Low (2 active and pending listings, 0 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 setting & the homes.
Aerial and on-site photos of Hammock Bay - Mill Cottages. Swipe to explore the community.
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Hammock Bay - Mill Cottages
Hammock Bay - Mill Cottages
Hammock Bay - Mill Cottages
Hammock Bay - Mill Cottages
Hammock Bay - Mill Cottages
Hammock Bay - Mill CottagesPhotos from Emerald Coast MLS listings in Hammock Bay - Mill Cottages; content deemed reliable but not guaranteed.
The market around Hammock Bay - Mill Cottages
Hammock Bay - Mill Cottages is too small for its own price trend, so here is the market around it.
In ZIP 32439, 448 homes are on the market and 25% are under contract — a steady corner of Freeport.
Across Walton County, 2,879 homes are active and 587 pending (17% under contract).
ZIP and county figures describe the wider market, not Hammock Bay - Mill Cottages specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Hammock Bay - Mill Cottages
Live MLS inventory for Hammock Bay - Mill 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 and pending Hammock Bay - Mill Cottages 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.
Hammock Bay - Mill 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 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 - Mill 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 Hammock Bay - Mill Cottages address.
Shop the zone: Homes zoned for Freeport High School
The Hammock Bay - Mill Cottages buying strategy.
If we were buying in Hammock Bay - Mill 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 Hammock Bay - Mill Cottages.
A closer look at the Hammock Bay - Mill Cottages market
Inventory runs at 3.0 months of supply, a balanced market.
The housing stock is 143 homes built between 1972 and 2021, and 57% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Hammock Bay - Mill Cottages. The deal is won or lost on condition, the comps, and the renovation math.
Tools for a Hammock Bay - Mill 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 Hammock Bay - Mill Cottages 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 - Mill 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 Hammock Bay - Mill Cottages home worth?
Get a no-obligation home value based on real comparable sales in Hammock Bay - Mill 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 all homes for sale in Freeport →
Recently off market in HAMMOCK BAY - MILL COTTAGES
Homes in HAMMOCK BAY - MILL 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. 1 on record.
- 324 This Way · off market
| Location | Freeport, Walton County, FL · ZIP 32439 |
|---|---|
| Homes in the community | 143 (FL DOR 2025 assessment roll) |
| Years built | 1972–2021 (median 2020) |
| Typical living area | 2,058 sq ft (median) |
| Home types (current listings and sales) | detached single family 100% |
| Amenities listed by sellers | Exercise Room, Fishing, Playground, Pool, Tennis Court(s), Community Room |
| For sale right now | 1 active, 1 pending · median asking $416,000 · 3.0 months of supply |
| Owner-occupied (homestead) share | 57% |
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 - Mill Cottages key facts,” movewithmomentum.com/neighborhoods/hammock-bay-mill-cottages, data as of November 9, 2026.
Housing distress & ownership in HAMMOCK BAY - MILL 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.
Every Home for Sale in Hammock Bay Mill Cottages Right Now (2)
All 2 active and pending Hammock Bay Mill Cottages listings with a detail page, newest first, refreshed twice a day from the MLS.
- 305 This Way · $429,000 · 5 bd / 3 ba · pending · listed Oct 4, 2026 · listed by Compass
- 510 Earl Godwin Road · $416,000 · 4 bd / 2 ba · listed Aug 13, 2026 · listed by Realty ONE Group Emerald Coast
More Freeport home searches
- All homes for sale in Freeport, FL
- Homes for sale in Walton County, FL
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- 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.
- Earl Godwin Road (2 homes on record)
25% of homes for sale in ZIP 32439 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 (2026-11-10).
What it really costs to own in Hammock Bay - Mill Cottages
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $198/month across 5 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. |
| Roof and age | Median build year 2020 across 4 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Hammock Bay - Mill Cottages
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 - Mill Cottages
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Hammock Bay - Mill Cottages will answer, and the answer is published on this page for the next buyer.
Recent Developments in Hammock Bay Mill Cottages
Development, infrastructure, retail, and school activity affecting Hammock Bay Mill Cottages, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Development
DeFuniak Springs tactical training firm plans campus expansion after multimillion-dollar contracts
Stronghold Test & Training Center, on a 50-acre campus at 150 Warfighter Way, plans a new complex with secure vaults, classrooms, offices and a 3D-printing prototyping bay. The company cites a $21 million Navy contract through 2030 and other federal awards; no cost, timeline or job count was given.
What it may mean for the marketDefense-linked contracting growth near Eglin and Hurlburt supports employer activity and specialized jobs in the DeFuniak Springs area. The project is about 25 miles north of Hammock Bay Mill Cottages, elsewhere in Walton County.
Source: Get The Coast - August 2026Infrastructure
Walton commissioners approve up to $4.69 million Westbay Parkway design contract
At its August 17, 2026 meeting, the Walton County Board of County Commissioners approved, on the consent agenda, a contract with Mott MacDonald for Westbay Parkway design not to exceed $4,693,502.38. The same agenda included a $184,117 Dewberry task order for the Santa Clara Regional Beach Access Bramble Grove addition.
What it may mean for the marketDesign work on Westbay Parkway is an early step toward added road capacity in western Walton County. The project is about 10 miles north of Hammock Bay Mill Cottages, elsewhere in Walton County.
Source: Walton County Government - July 2026Infrastructure
Scenic Walton advances underground utilities and gateway landscape projects
Scenic Walton reported progress on countywide initiatives, including a $200,000 Freeport U.S. 331 gateway landscape project supported by a $100,000 FDOT Highway Beautification Grant, plus a 30A West gateway landscape project and early planning for countywide underground utilities. Funding for the utilities study advanced into Walton County's draft budget for fiscal year 2026 to 2027.
What it may mean for the marketAdvances roadway beautification and stormwater improvements along the Freeport U.S. 331 corridor and the 30A west gateway and lays groundwork for utility resilience upgrades across Walton County. The site is about 11 miles northeast of Hammock Bay Mill Cottages.
Source: Get The Coast
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
Is Hammock Bay - Mill Cottages a buyer's or seller's market right now?
How many homes are in Hammock Bay - Mill Cottages?
What share of Hammock Bay - Mill Cottages is owner-occupied?
When were the homes in Hammock Bay - Mill Cottages built?
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Where is Hammock Bay - Mill Cottages, and what county is it in?
Data sources & freshness
| Live listings | Emerald Coast MLS, refreshed twice daily (last: November 11, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32439)) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
| Historical depth | Closed-sale records back to 2026 (2 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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See how HAMMOCK BAY - MILL COTTAGES fits the bigger picture — live prices, inventory, and Momentum Scores: