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L-6 Black Bear Ct, Defuniak Springs, FL, 32435

3beds
2baths
1,489sqft
$352,519
$237price/sqft
$2,301/moest. monthly cost
$92,040/yrincome needed

About This Home

Preferred lender incentive available! Qualified buyers may receive a lender credit toward a permanent interest rate buydown--helping make this beautiful new home even more affordable. Discover this spacious new construction home featuring a desirable split floor plan with 3 bedrooms and 2 bathrooms, offering a total 2,306 sq ft of comfortable living space. Nestled on a beautifully wooded 1.57-acre lot, this property provides the perfect balance of privacy and natural surroundings. Step inside to an open-concept layout filled with natural light, ideal for both everyday living and entertaining. The expansive kitchen offers plenty of space to gather and create lasting memories. The primary suite is a true retreat, complete with a walk-in closet and a luxurious ensuite bathroom featuring a stand-alone soaking tub and separate tile shower. Enjoy peaceful outdoor living with a covered front porch and a 14' x 12' back deck, perfect for relaxing mornings or quiet evenings overlooking serene wooded views. Additional features include an attached garage with attic access, providing ample storage space. This area is experiencing exciting growth, with increasing job opportunities driven by major developments such as the Amazon Distribution Facility and the River Ranch Aerospace Manufacturing Project--both contributing to rising property values and long-term investment potential. Enjoy the peace of country living while remaining conveniently connected. This home is just a short drive to Crestview, Fort Walton Beach, and Destin, with easy access via Highway 90 and nearby interstate routes. Experience country living with modern comfort--don't miss this opportunity! All plans, features, and specifications are subject to change at the builder's discretion without prior notice, and may not be known to the listing agent at the time of change. Note: Photos may not reflect the new build specs. This is the same house plan, but builder will and or may make some changes during build

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

8/10
Mossy Head SchoolGrades PK-56.7 mi
7/10
Walton Middle SchoolGrades 6-86.5 mi
7/10
Walton High SchoolGrades 9-125.6 mi

Construction

Condition

  • Property condition: To Be Built
  • Year built: 2026

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Bathroom

  • Level: First
  • Area: 49
  • Dimensions: 9.8 x 5

Bedroom

  • Level: First
  • Area: 110.24
  • Dimensions: 10.4 x 10.6

Bedroom

  • Level: First
  • Area: 139.92
  • Dimensions: 13.2 x 10.6

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Area: 130.68
  • Dimensions: 12.1 x 10.8

Features

  • Common walls with other units/homes: No Common Walls

Garage

  • Level: First
  • Area: 415.7521
  • Dimensions: 20.4 x 20.4

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,489
  • Total interior livable area: 1,489 sqft

Kitchen

  • Level: First
  • Area: 112.32
  • Dimensions: 10.4 x 10.8

Laundry

  • Level: First
  • Area: 59.84
  • Dimensions: 6.8 x 8.8

Living Room

  • Level: First
  • Area: 292.5
  • Dimensions: 22.5 x 13

Master Bathroom

  • Level: First
  • Area: 183.4
  • Dimensions: 14 x 13.1

Master Bedroom

  • Level: First
  • Area: 204.4
  • Dimensions: 14 x 14.6

Other

  • Level: First
  • Area: 113
  • Dimensions: 22.6 x 5

Pantry

  • Level: First
  • Area: 17.64
  • Dimensions: 4 x 4.41

Property

Details

  • Parcel number: 233N202803000F0060
  • Zoning description: Resid Single Family

Features

  • Stories: 1

Lot

  • Lot size: 1.57 Acres
  • Features: Cleared,Covenants,Interior Lot,Irregular Lot,Restrictions
  • Lot size dimensions: irregular

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Strong Wind
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 $1,782$21,384
Home Insurance *$179$2,148
Property Taxes $143$1,716
Electricity $197$2,366
Total$2,301$27,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,891/yr
40% on housing$69,030/yr
45% on housing$61,360/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

$237This listing

vs Other Active Listings

Avg $/sqft

ZIP 32435$169
Walton County$485

vs Homes Sold Last Month

Median $/sqft

ZIP 32435$175
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
2026-04-19Listed for sale$352,519

For Sale by Agent

AgentTina N Marsh
BrokerageKeller Williams Realty FWB

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