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445 Bear Creek Blvd, Freeport, FL, 32439

5beds
4baths
2,794sqft
$510,460
$183price/sqft
$3,276/moest. monthly cost
$131,040/yrincome needed

About This Home

Welcome to The Laurel. From the beautiful exterior with bay windows, enter the 2 story foyer. The dining room w/coffered ceiling opens conveniently to the eat in kitchen & flows seamlessly into the dramatic 2 story family room w/fireplace. Enjoy all the natural light cascading inside from the multitude of windows across the back of your home. As you make your way upstairs you experience the spaciousness of the home design. The primary suite has a separate sitting area featuring bay windows & the perfect bathroom to relax & rejuvenate. The 2nd floor has 3 additional bedrooms, 2 full baths & a loft. One more bedroom & bath downstairs. Covered porch, 3 car garage. Brand new floor plan! Gorgeous resort-style amenities include a pool with a NEW pool area almost completed, pickleball

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
7/10
Freeport Middle SchoolGrades 5-84.5 mi
8/10

Construction

Condition

  • Property condition: Construction Complete
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Shingle
  • Construction materials: Brick,Siding CmntFbrHrdBrd

Other

  • Builder name: Valor Communities

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Disposal,Microwave,Double Oven,Electric Water Heater
  • Laundry features: Washer/Dryer Hookup

Bedroom

  • Level: First
  • Area: 120
  • Dimensions: 12 x 10

Bedroom

  • Level: Second
  • Area: 132
  • Dimensions: 12 x 11

Bedroom

  • Level: Second
  • Area: 120
  • Dimensions: 12 x 10

Bedroom

  • Level: Second
  • Area: 108
  • Dimensions: 12 x 9

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Breakfast Room

  • Level: First
  • Area: 120
  • Dimensions: 15 x 8

Dining Room

  • Level: First
  • Area: 110
  • Dimensions: 11 x 10

Family Room

  • Level: First
  • Area: 240
  • Dimensions: 16 x 15

Features

  • Tray Ceiling(s),Kitchen Island,Recessed Lighting,Pantry
  • Window features: Double Pane Windows
  • Flooring: Vinyl,Carpet
  • Attic: Pull Down Stairs
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 2,794
  • Total interior livable area: 2,794 sqft

Kitchen

  • Level: First
  • Area: 135
  • Dimensions: 15 x 9

Loft

  • Level: Second
  • Area: 176
  • Dimensions: 22 x 8

Master Bedroom

  • Level: Second
  • Area: 240
  • Dimensions: 16 x 15

Sitting Room

  • Level: Second
  • Area: 165
  • Dimensions: 15 x 11

Property

Details

  • Parcel number: 022S192431100D0220
  • Zoning description: Resid Single Family

Features

  • Stories: 2

Lot

  • Lot size: 4,819 sqft
  • Features: Covenants,Sidewalk
  • Lot size dimensions: 61 x 79

Parking

  • Total spaces: 3
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Wildfire
Tsunami

FEMA Declared Disasters in Walton County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,581$30,972
Home Insurance *$206$2,472
Property Taxes $208$2,496
Electricity $281$3,374
Total$3,276$39,312
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,320/yr
40% on housing$98,280/yr
45% on housing$87,360/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.1%
16.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 8.0%
8.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$183This listing

vs Other Active Listings

Avg $/sqft

ZIP 32439$254
Walton County$485

vs Homes Sold Last Month

Median $/sqft

ZIP 32439$200
Walton County$400

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-09Listed for sale$510,460
2026-05-02Pending sale$510,460
2026-04-07Price change$510,460
2026-03-10Price change$535,050
2026-01-31Price change$578,700
2025-10-09Price change$582,416
2025-09-13Listed for sale$610,166

New Construction Spec

AgentLori Logue
BrokerageVCFL Realty LLC

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