$439,000

Estimated payment $2,860/month

Total Views 7,133
3 Beds
2 Baths
1,962 Sq Ft
$224 Price per Sq Ft

Highlights

  • Waterfront Community
  • Boat Dock
  • Newly Painted Property
  • Freeport Middle School Rated A-
  • Fishing
  • Wooded Lot

About This Home

This home truly has it all—and it's ready for you to move right in. Sellers have completed approx. $35K in upgrades in the last three years. Tucked away in the Gardens neighborhood of renowned Hammock Bay community, this beautifully upgraded 3-bedroom, 2-bath home features a low-maintenance brick exterior and sits on a generous lot backing up to preserved green space, offering privacy, peaceful views, fresh air and tranquility. Step inside and you will immediately notice the care and attention to detail. Fresh interior paint and rich laminate wood flooring run throughout all living areas and bedrooms—no carpet anywhere. The sun-room, with its elegant French doors and tile flooring, is the perfect spot to relax. The kitchen is a standout, featuring granite countertops, upgraded lighting, and a full suite of new KitchenAid appliances-dishwasher, stove, microwave plus an LG refrigerator. Every window features custom plantation shutters and new chandeliers add a touch of style throughout the home. The master suite offers a quiet retreat with a separate tiled shower, a tub and dual vanities. Two additional bedrooms, on the opposite side of the home, provide space for guests, family, or a home office. And when it's time to unwind outdoors, you'll love the recently extended brick paver patio-perfect for cozy evenings under the stars. The landscaping is beautifully maintained, and the automatic sprinkler system keeps everything looking fresh with minimal effort. The side-entry 2-car garage includes a pull-down ladder to a large, floored attic space, giving you tons of extra storage. Additional upgrades include phantom screen doors, leaf filter gutter guards, tree trimming, a new well pump and filter, and a new HVAC system (2023)-totalling approximately $35,000 in improvements. The location of this home offers the perfect blend of privacy and accessibility. Hammock Bay offers resort-style living with pools, fitness center, tennis & pickle-ball courts, playgrounds, walking trails, a fishing pier, clubhouse, and event spaces. You're just minutes from Publix and top-rated schools, with easy access to the white sands of 30A, South Walton's dining and shopping, Destin's entertainment, Panama City Beach, Eglin and Hurlburt Air Force Bases, and major airports. Low-maintenance, thoughtfully upgraded, and full of charm this Hammock Bay gem is ready to welcome you home. Schedule your showing today!

Listing Agent

Beverly Buck

Coldwell Banker Realty License #3444968 Listed on: 10/11/2025

Coldwell Banker Realty

Co-Listing Agent

Natalia Dimitrova

Coldwell Banker Realty License #3597887

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,444

Year Built

  • Built in 2011

Lot Details

  • 0.32 Acre Lot
  • Lot Dimensions are 82x143
  • Sprinkler System
  • Wooded Lot
  • Lawn Pump
  • Property is zoned City, Deed Restrictions, Resid Single Family

HOA Fees

  • $187 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Automatic Garage Door Opener

Home Design

  • Newly Painted Property
  • Brick Exterior Construction
  • Slab Foundation
  • Frame Construction
  • Dimensional Roof
  • Pitched Roof
  • Ridge Vents on the Roof
  • Vinyl Trim

Interior Spaces

  • 1,962 Sq Ft Home
  • 1-Story Property
  • Crown Molding
  • Vaulted Ceiling
  • Ceiling Fan
  • Recessed Lighting
  • Double Pane Windows
  • Plantation Shutters
  • Entrance Foyer
  • Family Room
  • Sitting Room
  • Dining Room
  • Sun or Florida Room
  • Pull Down Stairs to Attic
  • Hurricane or Storm Shutters

Kitchen

  • Breakfast Bar
  • Walk-In Pantry
  • Electric Oven or Range
  • Microwave
  • Ice Maker
  • Dishwasher
  • Disposal

Flooring

  • Laminate
  • Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Split Bedroom Floorplan
  • 2 Full Bathrooms
  • Dual Vanity Sinks in Primary Bathroom
  • Separate Shower in Primary Bathroom
  • Garden Bath

Laundry

  • Laundry Room
  • Exterior Washer Dryer Hookup

Outdoor Features

  • Patio
  • Rain Gutters

Schools

  • Freeport Elementary And Middle School
  • Freeport High School

Utilities

  • Central Heating and Cooling System
  • Underground Utilities
  • Water Tap Fee Is Paid
  • Electric Water Heater
  • Cable TV Available

Listing and Financial Details

  • Assessor Parcel Number 17-1S-19-23010-000-0460

Community Details

Overview

  • Association fees include accounting, legal, management, master, security, cable TV
  • Hammock Bay Subdivision
  • The community has rules related to covenants
  • Handicap Modified Features In Community

Amenities

  • Community Barbecue Grill
  • Picnic Area
  • Community Pavilion
  • Recreation Room

Recreation

  • Boat Dock
  • Waterfront Community
  • Tennis Courts
  • Community Playground
  • Community Pool
  • Fishing

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,444

Year Built

Built in 2011

Lot Details

0

HOA Fees

$187 per month

Parking

2

Listing Details

  • Property Sub Type: Detached Single Family
  • Prop. Type: Residential
  • Lot Size Acres: 0.32
  • Lot Size: 82X143
  • Road Frontage Type: City Street
  • Road Surface Type: Paved
  • Co List Office Mls Id: ECU2
  • Co List Office Phone: 850-650-4563
  • Subdivision Name: HAMMOCK BAY
  • Directions: HWY 20 TO HAMMOCK BAY - 3RD NEIGHBORHOOD ON LEFT - GARDENS - 2ND HOUSE ON THE RIGHT
  • Architectural Style: Ranch
  • Carport Y N: No
  • New Construction: No
  • Building Stories: 1
  • Year Built: 2011
  • Remarks Misc:Remarks: This home truly has it all—and it's ready for you to move right in. Sellers have completed approx. $35K in upgrades in the last three years. Tucked away in the Gardens neighborhood of renowned Hammock Bay community, this beautifully upgraded 3-bedroom, 2-bath home features a low-maintenance brick exterior and sits on a generous lot backing up to preserved green space, offering privacy, peaceful views, fresh air and tranquility. Step inside and you will immediately notice the care and attention to detail. Fresh interior paint and rich laminate wood flooring run throughout all living areas and bedrooms—no carpet anywhere. The sun-room, with its elegant French doors and tile flooring, is the perfect spot to relax. The kitchen is a standout, featuring granite countertops,
  • Utilities Electric: Yes
  • Utilities:Public Sewer: Yes
  • Utilities:Public Water: Yes
  • Appliances Refrigerators: Yes
  • Energy:AC - Central Elect: Yes
  • Energy:Heat Cntrl Electric: Yes
  • Energy:Water Heater - Elect: Yes
  • Rooms:Dining Room: Yes
  • Utilities:Tap Fee Paid: Yes
  • Appliances Microwave: Yes
  • Energy:Ceiling Fans: Yes
  • Energy:Double Pane Windows: Yes
  • Rooms:Foyer: Yes
  • Rooms:Laundry2: Yes
  • Rooms:Sitting Room: Yes
  • Utilities:Gas - Natural: Yes
  • Utilities:Underground: Yes
  • Rooms:Family Room: Yes
  • Energy:Ridge Vent: Yes
  • Rooms:Sun Room: Yes
  • Special Features: VirtualTour
  • Stories: 1

Interior Features

  • Furnished: Furnished - None
  • Appliances: Auto Garage Door Opn, Dishwasher, Disposal, Microwave, Refrigerator, Refrigerator W/IceMk, Stove/Oven Electric, Water Heater - Elect
  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Flooring: Floor Laminate, Floor Tile
  • Interior Amenities: Breakfast Bar, Ceiling Crwn Molding, Ceiling Vaulted, Lighting Recessed, Newly Painted, Pantry, Pull Down Stairs, Split Bedroom, Washer/Dryer Hookup
  • Window Features: Plantation Shutters, Window Treatment All, Double Pane Windows
  • Interior:WasherDryer Hookup: Yes
  • Appliances:StoveOven Electric: Yes
  • Master Bedroom:First: Yes
  • Appliances Dishwasher: Yes
  • Mstr BdrmMstr Bath:MBath Garden Tub: Yes
  • Mstr BdrmMstr Bath:MBath Separate Shwr: Yes
  • Interior:Breakfast Bar: Yes
  • Interior:Floor Tile: Yes
  • Appliances:Refrigerator WIceMk: Yes
  • Interior:Pull Down Stairs: Yes
  • Interior:Split Bedroom: Yes
  • Mstr BdrmMstr Bath:MBath Double Vanity: Yes
  • Interior:Ceiling Crwn Molding: Yes
  • Interior:Lighting Recessed: Yes
  • Interior:Window Treatment All: Yes
  • Interior:Ceiling Vaulted: Yes
  • Interior:Newly Painted: Yes
  • Interior:Plantation Shutters: Yes
  • Interior:Floor Laminate: Yes

Exterior Features

  • Lot Features: Covenants, Curb & Gutter, Restrictions, Sidewalk, Storm Sewer, Wooded
  • Construction Type: Brick, Frame, Roof Pitched, Trim Vinyl
  • Exterior Features: Rain Gutter, Hurricane Shutters, Lawn Pump, Sprinkler System
  • Foundation Details: Slab
  • Patio And Porch Features: Patio Open
  • Property Condition: Construction Complete
  • Construction Status:Construction Complete: Yes
  • ConstructionSiding:Slab: Yes
  • Lot Features:Wooded: Yes
  • Lot Features:Covenants: Yes
  • Lot Features:Restrictions: Yes
  • ConstructionSiding:Roof Dimensional Shg: Yes
  • ConstructionSiding:Roof Pitched: Yes
  • ConstructionSiding:Trim Vinyl: Yes
  • Exterior:Patio Open: Yes
  • ConstructionSiding:Frame: Yes
  • Exterior:Hurricane Shutters: Yes
  • Exterior:Lawn Pump: Yes
  • Exterior:Sprinkler System: Yes
  • ConstructionSiding:Brick: Yes
  • Lot Features:Sidewalk: Yes
  • Exterior:Rain Gutter: Yes
  • Lot Features:Curb Gutter: Yes
  • Lot Features:Storm Sewer: Yes

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 2.0
  • Parking Features: See Remarks
  • General Property Info:Garage2: Yes
  • Parking Features:Garage Attached: Yes
  • Appliances:Auto Garage Door Opn: Yes
  • Rooms:Garage5: Yes
  • Parking Features:See Remarks4: Yes

Utilities

  • Cooling: Ceiling Fans, Central Air
  • Cooling Y N: Yes
  • Heating: Central
  • Heating Yn: Yes
  • Sewer: Public Sewer
  • Utilities: Electric, Gas - Natural, Public Water, Tap Fee Paid, TV Cable, Underground
  • Utility: Yes

Condo/Co-op/Association

  • Community Features: Pickle Ball, BBQ Pit/Grill, Community Room, Dock, Exercise Room, Fishing, Handicap Provisions, Pavillion/Gazebo, Pets Allowed, Picnic Area, Playground, Pool, Tennis, TV Cable, Waterfront
  • Association #2 Fee: 560.0
  • Association Fee Frequency: Quarterly
  • Association: Yes

Association/Amenities

  • Fees Include:Master Association: Yes

Fee Information

  • Association Fee Includes: Accounting, Legal, Management, Master Association, Security, Cable TV

Schools

  • Elementary School: Freeport
  • High School: Freeport
  • Middle Or Junior School: Freeport

Lot Info

  • Lot Size Sq Ft: 13939.2
  • Parcel #: 17-1S-19-23010-000-0460
  • Zoning: City, Deed Restrictions, Resid Single Family

Tax Info

  • Tax Annual Amount: 4444.5
  • Tax Year: 2024

Map

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $4,277 $340,474 $52,815 $287,659
2024 $4,267 $341,305 -- --
2023 $4,267 $331,364 $0 $0
2022 $4,069 $321,713 $58,625 $263,088
2021 $2,275 $145,344 $0 $0
2020 $2,261 $210,051 $31,724 $178,327
2019 $2,212 $140,114 $0 $0
2018 $2,181 $137,501 $0 $0
2017 $2,147 $134,673 $0 $0
2016 $2,380 $156,109 $0 $0
2015 $2,575 $155,024 $0 $0
2014 $2,577 $153,794 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
11/05/2025 11/05/25 Price Changed $439,000 -2.4% $224 / Sq Ft
10/11/2025 10/11/25 For Sale $449,900 +16.9% $229 / Sq Ft
09/28/2021 09/28/21 Sold $385,000 0.0% $196 / Sq Ft View Prior Sale
09/03/2021 09/03/21 Pending -- -- --
09/03/2021 09/03/21 For Sale $385,000 +61.8% $196 / Sq Ft
04/26/2016 04/26/16 Sold $238,000 0.0% $120 / Sq Ft View Prior Sale
03/14/2016 03/14/16 Pending -- -- --
01/09/2016 01/09/16 For Sale $238,000 -- $120 / Sq Ft
Source: Emerald Coast Association of REALTORS®

Purchase History

Date Type Sale Price Title Company
Warranty Deed $385,000 Mitchell Land And Title Inc
Interfamily Deed Transfer -- Attorney
Deed -- Attorney
Warranty Deed $238,000 Mitchell Land & Title Inc
Corporate Deed $201,115 Dhi Title Of Florida Inc
Special Warranty Deed $184,000 Dhi Title Of Florida Inc
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $50,000 Purchase Money Mortgage
Previous Owner $190,400 New Conventional
Previous Owner $196,015 FHA
Source: Public Records

Source: Emerald Coast Association of REALTORS®

MLS Number: 987349

Emerald Coast Association of REALTORS®

APN: 17-1S-19-23010-000-0460