Live Oak
Homes for Sale in Freeport, FL
All 316 homes for sale in Freeport, FL · median $424,850 · Walton County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Emerald Coast MLS
As of November 2026, Live Oak in Freeport, FL has 1 home for sale. Homes listed or recently sold were built 1994–1998; 15 of 15 report an HOA (median $16/mo); 1 of the 15 geocoded homes sit in a FEMA special flood hazard zone (median elevation 28 ft).
Sections of Live Oak in the MLS
Live Oak in Davie, FL is recorded as 7 separate subdivisions/phases in the MLS; 10 homes are for sale across them today. Each section has its own page:
- Live Oak Condominium One · 3 for sale
- Live Oak Condominium Two · 3 for sale
- Live Oak Condo Five · 1 for sale
- Live Oak Condo Nine · 1 for sale
- Live Oak Condo Six · 1 for sale
- Live Oak Condominiums · 1 for sale
- Live Oak Condo Ten
Live Oak carries a median of $394,000 at roughly $225 per square foot, and with no shared amenities showing in current MLS listings, price here is driven by the homes themselves — square footage, condition, and finish rather than a gate, pool, or club dues. Expect a wide spread around that median depending on how updated a given house is; the number to anchor on is the mid-$390s, and everything above or below it tends to track condition.
The market posture is warm but not frantic. A median of 18 days on market and a heat score of 47 point to steady demand with room to negotiate — sellers are still moving property in under three weeks, but buyers are not being forced into blind bidding. Values are up 9.9% year over year and 165% since 2012, so the longer-term trend is clearly upward, though a buyer should underwrite on today's fundamentals, not on that history repeating.
Figures in this note are as of July 15, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Live Oak right now
🔴 Seller-leaning market. 0.9 months of supply and 67% of the inventory already under contract give sellers the pressure advantage.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 (3 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 60-Second Overview
Live Oak is a residential pocket of Melbourne in Brevard County where the value proposition is the house, not a shared amenity package — which keeps carrying costs simpler and puts the emphasis on picking the right individual property.
Flood zones in Live Oak: of 14 listing addresses checked against the FEMA National Flood Hazard Layer, 93% sit outside the FEMA Special Flood Hazard Area (Zone X); 7% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Freeport.
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.
The setting & the homes.
Aerial and on-site photos of Live Oak. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Live OakPhotos from Emerald Coast MLS listings in Live Oak; content deemed reliable but not guaranteed.
Who Live Oak is best for.
Best for
- Buyers targeting a mid-$390s budget who prefer no shared-amenity dues
- Buyers willing to renovate and hunt the softer end of the price spread for value
- Long-hold owners comfortable underwriting on current fundamentals rather than past gains
Probably not for
- Buyers who want a gated, pool, or club-style amenity package
- Buyers needing turnkey condition at the low end of the median
- Buyers who rely on deep comp data before committing
The market around Live Oak
Live Oak is too small for its own price trend, so here is the market around it.
Across Walton County, 2,879 homes are active and 587 pending (17% under contract).
ZIP and county figures describe the wider market, not Live Oak specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Live Oak
Live MLS inventory for Live Oak. 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 Live Oak listings as of 2026-11-09, 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.
Live Oak 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
- Sherwood · Elementary
- DeLaura · Middle
- Satellite · High
Zoned schools reflect the assignments reported on recent Live Oak 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 Live Oak address.
The Live Oak buying strategy.
If we were buying in Live Oak 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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 Live Oak.
Condition is the whole story
With no community amenities identified from current listings, there's no HOA amenity premium propping up the median — what you pay reflects the structure. That means the gap between an updated home and a dated one can be significant, and the $225-per-square-foot median is an average across both. A buyer who is comfortable renovating will find the softer end of that spread more forgiving than a buyer who needs turnkey.
The closing count in the current window is thin, at 11, so individual sales carry outsized weight in the statistics. Read the median as a reliable center of gravity, but treat any single comp with care — in a smaller sample, one dated fixer or one fully renovated house can pull the numbers. Pricing here rewards looking at each property on its own merits rather than trusting the neighborhood average alone.
The location and the amenities are priced into every listing in Live Oak. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-volume market where condition sets the price and comps are scarce, the value is in reading houses individually rather than leaning on an average. We walk the property, weigh the finish level against the median, and tell you where a given home actually sits on the spread — and, just as often, when to pass.
Live Oak in 15 seconds.
Tools for a Live Oak 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 Live Oak sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Live Oak, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Live Oak home worth?
Get a no-obligation home value based on real comparable sales in Live Oak, 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 →
What it really costs to own in Live Oak
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 $3,872/yr across 12 listings here (MLS tax records, 2026-11-12). |
|---|---|
| HOA dues | MLS listings here mostly enter dues as billed annually, but the median entry is only $189/year across 12 listings (2026-11-12), which usually means a quarterly or monthly amount was entered as annual. Ask the association for the current dues. |
| Home and flood insurance | The average Citizens Property Insurance premium in Brevard County is $2,348/yr (6,986 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 14 listing addresses checked against the FEMA flood map, 93% sit outside the high-risk zone and 7% inside one, where flood insurance is required with a federally backed mortgage. 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 1994 across 12 listings. An original roof here would be about 32 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. |
| Location | Freeport, Walton County, FL |
|---|---|
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Management - Off Site, Curbs, Maintenance Grounds, Carbon Monoxide Detector(s), Closed Circuit Camera(s), Fire Alarm |
| For sale right now | 1 active, 2 pending · median asking $399,900 · 0.9 months of supply |
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. Market figures describe homes, not residents. Cite as: Momentum Realty, “Live Oak key facts,” movewithmomentum.com/neighborhoods/live-oak, data as of November 9, 2026.
Every Home for Sale in Live Oak Right Now (3)
All 3 active and pending Live Oak listings with a detail page, newest first, refreshed twice a day from the MLS.
- 4850 Erin Lane · $399,900 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by Select Realty of Florida LLC
- 4919 Erin Lane · $393,500 · 4 bd / 2 ba · pending · listed Aug 13, 2026 · listed by Relentless Real Estate Co.
- 4891 Erin Lane · $339,900 · 3 bd / 2 ba · pending · listed Aug 13, 2026 · listed by Coldwell Banker Paradise
Recently sold in Live Oak
- 4855 Erin Lane · sold $379,000
- 4928 Erin Lane · sold $390,000
- 4991 Erin Lane · sold $375,000
- 4961 Rosewood Lane · sold $445,000
- 2783 Caitlin Court · sold $415,000
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
Real estate agent in Freeport? Join Momentum in Freeport: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Erin Lane (21 homes on record)
- Erin Lane (21 homes on record)
- Mariah Drive (20 homes on record)
- Mariah Drive (13 homes on record)
- Mariah Drive (10 homes on record)
Email me new listings in Live Oak
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 Live Oak
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Live Oak will answer, and the answer is published on this page for the next buyer.
33% of homes for sale in ZIP 32940 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).
Recent Developments in Live Oak
Development, infrastructure, retail, and school activity affecting Live Oak, 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 23 miles northeast of Live Oak, 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 11 miles east of Live Oak, 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 east of Live Oak.
Source: Get The Coast - June 2026Civic
DeSantis signs state budget with funding for Okaloosa County projects
Governor DeSantis signed the state budget that included roughly $15 million for 20 Okaloosa County projects, among them $5 million for the Northwest Florida State College Workforce Innovation Center in Niceville, $1.5 million for Shalimar Bridge Park, and $3 million for Destin road and drainage work. About $7.26 million in other local requests were vetoed.
What it may mean for the marketDirects state funding toward workforce, park, road, and drainage infrastructure across Okaloosa County, supporting public facilities and capacity in Niceville, Shalimar, and Destin. The site is about 12 miles northwest of Live Oak.
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 Live Oak a buyer's or seller's market right now?
Who is the best real estate agent for Live Oak?
How do I find a top Freeport real estate agent who knows Live Oak?
Can Momentum Realty connect me with an agent for Live Oak?
Where is Live Oak, and what county is it in?
Is Live Oak in a flood zone?
Should you buy in Live Oak?
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 9, 2026) |
| Under-contract shares | Emerald Coast MLS records, as of 2026-11-09 |
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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